Assess the benefits package you're offered as carefully as you do the salary and bonus. In the past, employers typically provided indemnity-type coverage for the physician and his or her family at no cost. Now it's increasingly common for employers to provide less flexible and less costly PPO or HMO coverage. You may be required to pay for part of the cost of your premium and the entire cost for your family. Prescription and vision coverage.
Most employers provide coverage for prescription medications and vision care.
Some also offer dental coverage, but you may be required to pay for part of it out of pocket. Most private practices do not provide dental coverage. Private practices typically don't provide either. If you already have a long-term disability insurance policy, don't cancel it if you start working for an organization that provides group coverage. Most likely, your individual policy will provide you with a much higher monthly benefit for a longer period of time with fewer exclusions and exceptions.