Moving on to the Windy City – Chicago

My assignment in Florida finished quickly. I had an amazing time catching up with my previous college professors, mentors, and friends. I also spent plenty of quality time with my brother.

I was planning on taking a nice break afterwards but ended up getting persuaded to take another assignment right after.

The geriatric practice that I have worked for in the past in both Virginia and Florida asked for some help at one of their clinics in Chicago.  They wanted me to start as soon as possible, and this was back in January. I told them I wouldn’t be available until April and they said they would wait for me.

Of course, I wouldn’t be able to live there during winter anyways. Since I wasn’t sold about starting another job right after the Florida one, I decided to ask for more pay than previously, sort of hoping it would deter them away from having me. I told them my rate goes up $5/h after each year with them, and they said that was fine. They agreed to the new rate.

Fortunately, I was able to work something out with the Florida job, in which I finished 1 week earlier than planned. This allowed me to take a mini vacation. I went to Curacao in the Caribbean and got some much-needed rest and relaxation. Not to mention I was overdue for a tan. It is less than a 3-hour flight from Miami, and the water was gorgeous and warm enough to swim in.

Let’s hope I am reinvigorated enough to start my next assignment in the windy city!

My Favorite Hotel Credit Card

My favorite hotel credit card right now is the American Express Hilton Honors Card. The current sign up bonus is earning 100,000 Hilton points after spending $1,000 within the first 3 months of card membership. That is a pretty low spend requirement for such a large bonus. The best part is that this card had no annual fee! So you can even choose to keep this card long term.

One benefit of this credit card, is it gives you instant Silver elite status. As a Hilton elite member, when you use points to book 4 consecutive nights at one hotel, you get the 5th night free. This is quite a bargain!

What can 100k Hilton points get you? You can get 3 free nights in Orlando, FL if you want to take your kids to Disney world. What a major cost savor since everyone knows Disney can quickly break the bank. Or you can choose to spend your bonus points on 2 free nights in Barcelona, Spain. Or you can splurge on one night in the Maldives, with room rates going for more than $1,000 per night!

If you really want to make your points as effective as possible you can choose to spend 10 nights in Cairo, Egypt. No joke – each night in Cairo is only 10k points per night. Or up to 2 weeks in Vietnam at 5k points per night.

I highly recommend this card! By having excellent credit and from spending $1,000 in 3 months (that you were going to spend anyway), you are able to earn a substantial amount of Hilton points. These points can help save you hundreds if not thousands of dollars on your next trip. If you haven’t been able to travel much in the past due to costs, I hope you can start using credit card points to help enable travel in the future.

If you are interested in getting this card please use the link below to apply. This will make sure you are receiving the highest sign up bonus and will allow me to receive a referral bonus as well:

https://americanexpress.com/en-us/referral/SOPHIK4JFm?XLINK=MYCP

Are Contracts That Official?

Before accepting an assignment, I personally like to think things through. But if you are a locum tenens nurse practitioner, you already know how quick the process is. Completing a phone interview and being offered the position can happen in as quickly as a matter of minutes. And usually the agency would like an answer right away. If you take a day to think things through, this makes both the agency and site nervous. They want to lock you into that position as quick as possible!

There is always that fear that you may start an assignment and absolutely hate it. Fortunately, in your contract you can give a 30-day notice and leave earlier than planned. But what if the assignment is so bad that you are afraid to lose your license? In this case, you can go ahead and break your contract. The site and agency won’t like it, but after all, you must think of yourself and your license first.

I have personally broken a contract before and know many other locum tenens providers that have too. The main issue about breaking a contract is that you open the possibility of the site not honoring your contract as well. For instance, they may not want to cover your flight back home anymore or will hold you responsible for fees encountered from breaking an apartment lease etc.

So to answer my original question: are contracts that official? Contracts are nice to have as an agreement but they are by no means 100% binding. However, there are some risks you encounter by breaking them. That is why I often like to stay at a hotel for the first week of my assignment so I can feel it out before agreeing on an apartment. I also like to keep a plethora of airline miles on hand in case I need an “emergency” flight home.

Now looking at the other spectrum, how easily can a site break a contract with you? They only can if there is a causative agent; such as complaints from patients or failure to comply with expectations. I have never been afraid of a site breaking a contract because I believe myself to be a good worker and in the rare case they do end the contract early, I know I have tons of other job options waiting for me.

Moreover, I believe the more established you are with the agency, the more flexibility there is with the contract. If you have been working with the same agency over several years and you break a contract one time out of those 5 years, there will unlikely be any repercussions. This means if the site doesn’t want to pay for your flight back, the agency will step up and go ahead and pay for it instead. This is when you know you are working with a great agency because they have your back!

Private Practice in FL

Working back in Florida is always an eye opener. I am working at a private family practice with my supervising physician, covering a maternity leave. At this clinic in particular, nurse practitioners and physician assistants are expected to forward their clinical notes to their supervising physician to sign off on at the end of each day. Supposedly its to get a higher reimbursement rate from the health insurance plans.

This is definitely a first. I remember working in California (another state with restrictions for nurse practitioners), in which the practices there often required the supervising physician to review 25% of the nurse practitioners charts for the first month. I was fine with that because it seemed fair, being a new employee at the practice and all. However, having to send ALL of my charts to my supervising physician EVERYDAY is a bit ridiculous.

It feels weird having someone “monitor” my work. Fortunately, my supervising physician here is pretty great. He doesn’t criticize my work, considering every provider practices differently. Instead, he will give me an update on worrisome patients or a thumbs up when imaging matched my diagnosis (such as pneumonia or gallstones).

In addition to forwarding my clinical notes, the supervising physician is the only one that reviews lab results and imaging. Initially, I thought ‘great, less work for me’. But now I am finding it a bit of a nuissance because I don’t know what’s going on with the patients I am caring for. This practice isn’t what I am used to, where the physician has his own patients and the nurse practitioner has her own patients. Instead they just manage the same patient panel together. So technically the patients belong to the physician and the nurse practitioner is helping the physician care for his patients. That is why there is so much oversight here.

Of course, I am not a fan of this. Especially since I have worked in so many states with independent practice for nurse practitioners. I almost forgot what it felt like to be constrained like this.

As I said previously, luckily my supervising physician treats me as an equal. He will encourage teaching moments but will say “I am not sure if you already know this or not” without assuming I don’t. He also tells me almost everyday “you are doing a great job and I am glad you are here.” I prefer this generalization versus him telling me “good job with that case” because the latter implies that he is surprised or not expecting a nurse practitioner to give good care.

On the other hand, sometimes he disagrees with my follow up timeline or my choice of medication. I try not to get worked up about it because I know each clinician practices differently. And he doesn’t disagree in a “matter of fact” way but is more inquisitive as to what led to my decision based on my vast experience. I have also observed that he really cares a lot about his patients, so I don’t take it personally when he wants to change my plan of care. It’s a testament to his practice when patients travel from out of state to continue following up with him.

Initially, it really bothered me that I wasn’t practicing “independently”. That prior to completing a note I always second guessed myself to make sure my supervising physician wouldn’t have any feedback. I slowly became accustomed to it and I am fine with it since it’s only on a temporary basis. I have even started consulting my supervising physician a bit more since they are technically his patients.

This practice is interesting because it is my first time working in a private family practice where the majority of patients are part of the working population and are very well education. This means most of them have co-pays and rigid schedules. So if they come to you with cold symptoms and paid $20 for their copay, they aren’t happy when you tell them they don’t need an antibiotic. I feel like the demand for antibiotics here is the equivalent of the demand for opioids in low income populations. The patients are looking for a quick fix so they can get back to their jobs or practicing for the next marathon.

I remember a fellow traveler telling me she worked in a private family practice last summer and didn’t enjoy it as much as working with disadvantaged populations. I understand what she means now. This population isn’t as sick as what I am accustomed too. That means less of a challenge and therefore, less of an impact.

In general, I don’t have much to complain about, my day goes smoothly and the majority of the patients are pleasant. In fact, I typically finish an hour early and get paid for the full day. I just wanted to share some interesting observations as always.

Traveling Alone

Sometimes my friends and family will ask if it gets lonely traveling around the country by myself. I always tell them no. I also have tons of readers ask me if it’s easy to meet new people on assignment. I always tell them yes.

Fortunately, I have friends or relatives that live in almost every state. So typically, I will reach out to them when I take an assignment and we will meet up at some point. If we are in the same city, we will hang out quite often. Even though we don’t have the chance to talk on a regular basis, meeting up in person allows us to rekindle our friendship.

In addition, I am lucky because some of my friends or family from home (Miami) will go out of their way to visit me while I am on assignment. For example, my mom visited me in Washington, my sister visited me in California, my friends visited me in Maine, California, Texas, and Virginia.

Even if I didn’t already have so many friends and family, I would say it is quite easy to meet people while traveling. I have found my co-workers to be very welcoming and friendly. They invite me to their homes for holidays, on hiking trips, on their boat, or out for a simple lunch. I end up keeping in touch with a lot of my co-workers after I leave.

I wouldn’t say I am the most gregarious person but I effortlessly meet people outside of work too. I became really good friends with my landlord in San Diego. He was around my age and we hit it off right away. I have also had neighbors befriend me, strangers that approach me at the gym or when taking a class.

The GroupMe app is a popular way to meet people with similar interests as you. You can meet up for group runs, dance classes, or even book clubs! I have some friends that use tinder to meet people in each city they travel to. Others I know will volunteer or join a local church and meet people that way.

So those of you that are afraid to start traveling ‘alone’, don’t let that hold you back. You can easily make friends wherever you go. Nowadays, there are so many different outlets to meet people.

I chose Tallahassee, FL

I ending up moving forward with the job in Tallahassee, Florida. Sure the extra pay was sweet, but the main reason I selected this assignment was because of my brother.

He just graduated from Florida State University in December. He had studied computer science, but like most of us after graduation, was still figuring out what to do next. He applied for jobs, internships, and is considering graduate school as an option as well. He planned on staying in Tallahassee during spring while he figured out his next step.

1. What an opportunity to spend some quality time with my brother before he has to move away to who knows where and become a working robot.

2. I thought it would be nice to offer some support to him and guide him through the process of figuring out his next step.

And 3. I found a way to support him financially through my job!

Typically, as a traveling nurse practitioner, the agency will find a place for me to live. Prior to accepting this position, I asked if I could negotiate a housing stipend instead. Originally, I was told I would be given a housing stipend to that equal of a hotel stay for a month (so about $2000-$3000 per month). I knew that was too good to be true, especially in a cheap place like Tallahassee.

Apparently, it was the clinics first time using a locums and had a very tight budget. When it was time to sign the contract they tried offering me only $1000/month for housing. I was able to negotiate them up to $1500/month for housing. Even though it wasn’t as much as I had hoped for, it was still more than enough to support my plans.

My brother is currently renting out a 1 bed/1 bathroom apartment for $450/ month, utilities included (that college life). My plan is to move in with him and pay for his monthly rental. In addition, I would give him an extra $500/month for the inconvenience, and pocket the other $500 for myself (for the inconvenience).

Inconvenience meaning, I am used to living by myself but now I will have to share a place with someone else. But it may definitely be worth the extra $1500 profit. Inconvenience for my brother because I will be taking over his bedroom while he sleeps on a mattress in the living room.

It is definitely a win for my brother because he won’t have to focus on working enough to cover his rent (he works part time at a local supermarket, and my parents are no longer paying for his rent since he graduated). This will allow him ample time to continue applying for jobs and look into graduate school. It is also a win for him because he is profiting an extra $500/month from really doing nothing, which he can use to cover other living expenses or save for his future move.

I figured I would be happy no matter where I ended up in Florida. But at least this way I can help out someone close to me J The funny thing is I always thought of this as an option, for when my brother started the transitioning phase. How astonishing that everything actually fell into place!

Yay – Florida for Winter


After finishing in Virginia, I thought about where I wanted to go next. Unfortunately, winter was back already and I knew I needed to hibernate in my own way. This meant it was time for me to return to Florida.

Florida is a tough market for locum tenens because there is a saturation of nurse practitioners. I have been lucky to find an assignment in Florida for the past 2 winters though.

I originally had 2 options in Florida. The first option was in Port St. Lucie, FL, 2 hours north of Miami. I thought that was convenient because I could easily go home for the weekend whenever I felt like it. The site was a clinic I had worked at previously, so I knew what to expect. That was definitely a plus.

My second option was in Tallahassee, Florida. This is in Northern Florida and where I went for my BSN (Florida State University). My brother currently lives in Tallahassee, so I was interested in going back there to spend time with him – along with some of my previous professors/mentors and friends. TI would be covering a maternity leave for 3 months. The physician in charge was pretty friendly and the patient per day ratio was fair (14-16 per day).

Am I the only person that really hates making decisions? Especially when my options are both equally as good.

When I thought things through, I wondered realistically how often I would actually go down to Miami if I lived in Port St. Lucie. A 2-hour drive could easily turn into 3-4hours during rush hour. Which is realistically when I would head down; right after work.

The Tallahassee position was initially paying $5/hour more than the Port St. Lucie job. I didn’t think that was a deal breaker, because after 12 weeks that only ends up being an extra ~$2000. Yet, once I mentioned I had another offer, the Tallahassee job increased their offer. So now they were offering me an extra $10/hour more than the Port St. Lucie job. After 3 months that’s an extra ~$5000.

Are you wondering which position I ended up choosing? I’ll explain which job I choose and the main reason I selected them in my next post.

Investments

As a locum tenens nurse practitioner, you should be making more income than your peers working as a permanent employee. Take advantage of this time so save up for your future. Whether it’s for retirement, starting your own practice, or preparing for your new family.

Each year I am surprised to hear how many of my peers both nurse practitioners and physicians that do not take advantage of company provided retirement benefits. Here are some basic recommendations to get you started in the world of investing:

  • 401k- If you work with a W2 agency (such as Comp Health) even for a few months, take advantage of that time and set up a 401k with them. They will even match 50 cents to the dollar up to 6% of your income with them. Even if you take a break from them and work with another agency, that money will still be in your account (and growing) until you are able to work with them again and continue contributing to the account. How much should you contribute? The recommendation for most is to contribute 10-15% of your income pre-tax. Your income might as well go to future you instead of uncle sam. If you can’t contribute that much, try to at least put in 6% of your income to maximize the match from your employer.
  • IRA – If you work with a 1099 agency, I recommend opening up a self-employed IRA. You can contribute up to 20% of your income or maximum of $55,000 each year. You can contribute monthly or at the end of the year, whatever makes your life easier. A SEP-IRA is similar to a traditional IRA, whereas you won’t be taxed until you withdraw.
  • Stocks – If you have maxed at your 401k and IRA, you can look into investing in stocks. Try vanguard or fidelity to open a brokerage account.
  • Real estate – Can be personal or commercial real estate. May be tricky if you are traveling and not home to keep an eye on the place. In that case you can hire a property management company to manage your property for you.  I personally like owning multiple properties because when I choose to retire, these places should be paid off and will be a nice source of income.

There is no better time to start investing than today 🙂

Transitioning Back to Perm

One of my good friends worked as a traveling nurse practitioner for 2 years. Eventually she missed home and wanted to move back to Florida. Fortunately, her last locums assignment was flexible allowing her to keep on extending as she searched for a permanent job.

Being a locum tenens nurse practitioner for the past 2 years, she was accustomed to a quick turnaround when applying for jobs. You could find a job, interview, and accept a position in a matter of days. Then you could start your job within a week or so.

Fast forward to searching for a permanent position. This was the complete opposite of working locum tenens. She applied for several jobs, and it took 1-2 months to hear back for an interview. After the interview it took 1-2 months to be given an offer. After accepting the offer, it took ANOTHER 1-2 months before she was able to start working.

My friend noted how crazy the difference was in applying for a locums position vs a permanent position. She states that the permanent job process took forever, for no real reason. It’s not like she had to go through multiple interviews or in front of a board of directors.

The other issue was the huge pay cut she was taking after transitioning from locums to perm. As a traveling nurse practitioner she was making $140,000 per year (including her unpaid time off). Originally the permanent position only offered her $90,000 per year. Considering her amount of experience, I thought the offer was substantially low and recommended my friend negotiate with them. Keeping in mind that Florida is a state that doesn’t pay nurse practitioners well (due to the abundancy of NPs), my friend ultimately was able to get them to go up to $100,000.

Making $100,000 a year is pretty decent but losing $40,000 a year from being a locums is the equivalent to another person’s salary. In addition to making less salary wise, my friend was also going to have more expenses being a permanent employee. She no longer would receive free housing each month. Instead she has to cover the $1500/month it costs to rent out her new place. So that brings her to a total lost of $58,000/year working as a permanent employee.

I understand that being a traveling nurse practitioner forever isn’t realistic for everyone. But I was really interested in watching her transition back to a permanent role. Luckily, my friend is enjoying her new position and the patient load is light. She is happy with the trade off – being back home and close to family, having all of her “things in one place”, and working at a job she likes. After all, money isn’t everything.

Ending in Virginia

I think I made it clear this time that I would not be extending this assignment. I thought working briefly for 3 months, would prevent me from getting attached to patients again. I forgot that with this sick geriatric population, you can see some patients almost a dozen times within 3 months.

I did form some relationships, and those patients were sad when it was time for me to leave. Some of them passed by to say bye on my last day, while others went out of their way to call my supervisor and let her know how much they appreciated me. I sincerely enjoyed establishing connections with patients again.

It was bittersweet to leave. I know the process works; I witnessed it again while the patient panel I built remained well taken care of and did not end up in the hospital. On the other hand, I was looking forward to working at a place where I could focus on my scheduled patients and not be constantly bombarded with walk-ins.

It was nice catching up with some previous co-workers and friends. I also established new friendships while I was there. I was even able to participate in the annual holiday party for the 3rd year in a row. Remember last year when they flew me up just for the party?

Instead of saying bye – I told everyone “see you later”. As you never know what the future entails.