Cindy,
I think the simplest answer is often overlooked. It is not practicing medicine that is the problem. It is the payment system. So, consider going non-par or opting out of Medicare, drop your low paying, or all, insurers. Work on developing a "retail" practice where you can set your fees and be paid fairly. I have thought long and hard about the same issues. Concierge practices are all around, but did not feel right to me. So, I have done the above, and have only one insurance contract remaining. It can be done in steps to minimize the risk. For me, it has renewed a feeling of dignity and control. Decide what you are worth, and don't accept less. Ultimately, if I cannot survive doing this, I will find something else to do. But, for now, this has allowed me to be happy to continue in my solo practice.
It was it Ann Landers who said "No one can take advantage of you without your permission". Let's stop giving the insurers permission.
