Kettering Health offers a competitive base salary of $260,000 annually, guaranteed for your first two years of employment. This guarantee provides financial security as you establish your practice and build your patient panel, eliminating the income uncertainty that often accompanies new positions. You can focus on patient care and practice development without worrying about productivity metrics affecting your paycheck during this critical ramp-up period.
After the initial two-year guarantee period, compensation transitions to a tiered model based on productivity. If you produce 5,756 wRVUs or more annually, you will maintain the $260,000 salary level. If production falls below this threshold, the base salary adjusts to $220,000. This structure rewards productivity while still providing a substantial floor that reflects the value of primary care physicians in this market.
As a non-profit health system, Kettering Health qualifies as an eligible employer under the federal Public Service Loan Forgiveness (PSLF) program. If you have federal student loans and make 120 qualifying monthly payments while employed full-time at Kettering Health, your remaining loan balance may be forgiven. For physicians carrying significant educational debt, this benefit can represent hundreds of thousands of dollars in effective additional compensation over your career.
The PSLF program applies to Direct Loans and requires enrollment in an income-driven repayment plan. Kettering Health's non-profit status has been established since its founding, providing confidence in the organization's ongoing eligibility. If you are currently making PSLF-qualifying payments at another non-profit employer, your payment count continues when you join Kettering Health.
The $260,000 salary takes on additional significance when considered against the Dayton area's cost of living, which runs approximately 29% below the national average. Your dollar stretches considerably further here than in coastal metropolitan areas or major Midwestern cities. A family medicine physician earning $260,000 in the Dayton suburbs enjoys purchasing power equivalent to a salary well over $350,000 in markets like Boston, San Francisco, or Seattle.
Housing represents the most dramatic difference. The median home price in the Xenia area allows you to purchase a spacious single-family home with land for a fraction of what a modest condominium would cost in a major metropolitan market. Your housing costs as a percentage of income will likely fall between 10% and 15%, compared to the 30% to 40% common among physicians in high-cost urban areas. This difference translates directly into discretionary income for savings, travel, education funding, and quality of life.
As a Kettering Health Medical Group employee, you will receive a comprehensive benefits package designed to support your health, financial security, and professional development. While specific benefit details will be provided during the interview process, Kettering Health's benefits typically include the following components:
This compensation package reflects Kettering Health's commitment to attracting and retaining quality physicians. The combination of a guaranteed salary, PSLF eligibility, comprehensive benefits, and exceptional purchasing power in a low-cost market creates a financial picture that compares favorably to opportunities offering nominally higher salaries in expensive metropolitan areas.