I joined the boomer wave of “retirees” at the end of 2019, but for multiple reasons, have continued to work on a part time basis as a consultant and direct patient care provider. By the end of 2020, I concluded that carrying even part-time liability insurance was an excessive cost given the limited amount of direct patient care work I was doing. Subsequently, I’ve discovered Locum Tenens work minimizes my business costs while providing an opportunity to help colleagues in the PALTC space, who need coverage for vacations or acute illness. Locum Tenens is a model that allows a physician to temporarily assume the duties of a colleague’s practice during the agreed time of service. This means that when I work exclusively for a colleague on vacation, I’m covered by their medical liability insurance and use their billing system for the patients I see. At the main facility where I’ve provided this service, I’m familiar with their physician’s EHR and use that EHR for patient care documentation. At other facilities with a different physician EHR, I activate my old EHR and use that system for documenting patient care and for turning the documents into my colleague’s biller, for later reimbursement. Besides this reimbursement, I generally negotiate an incentive fee from the facility to cover the added work of picking up patients I don’t know, many of whom are medically complex. I have maintained my Medical Director Certification (CMD), so I also negotiate a fee for Medical Director services if I’m covering their Medical Director duties.