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Commonwealth Healthcare Corporation

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Pay & Benefits

Our pay scale is among the highest in Micronesia, and depends on specifics of your contract.

Full-Time Contracts
  1. Vacation: Eight (8) hours per pay period (bi-weekly), on an full-time Employment Contract
  2. Sick leave: Four (4) hours per pay period (bi-weekly)
  3. A $10,000 one-time relocation assistance payment program for initial contracts of at least 2 years
  4. Retirement plan 401-K (Ref: Pacific Group Life Forms/CNMI)
  5. Generous health insurance AETNA Health Insurance
  6. Life insurance
  7. And (best of all) after living in the CNMI for 183 days in a calendar year, all income earned in the CNMI is subject to a 90% rebate of Federal Income Tax.
  8. No additional local tax
  9. No property tax
  10. No sales tax
  11. What you earn is what you get to keep! $200,000 earned on Saipan equates to well over $300,000 in San Francisco, California. See here to compare.
Loan Repayment

Providers in Saipan qualify for loan repayment through 2 avenues.

NHSC

The National Health Service Corp offers loan repayment for primary care providers who work in medically underserved areas. The HPSA score for Saipan is 17. The application process begins in February/March and you can expect to receive your loan repayment money in July/August. The contract with NHSC starts upon receipt of money. The money given by NHSC is tax free.

NHSC loan repayment for HPSA scores 14 and above (ours is 17) is as follows: $50,000 as a lump sum for the first 2 years combined $20,000 per year for the next 2 years $10,000 per year indefinitely

NHSC score for Psych is 18. For more information, visit this site.

Public Service Loan Forgiveness

Providers who work for “public service” can qualify for loan forgiveness. Public service includes full time employment by a 501(c)(3) tax-exempt non-profit or institution. Commonwealth Healthcare Corporation qualifies as “public service”. After borrowers make 120 on time monthly payments on their loans (10 years), the government forgives the remaining balance, tax free. This is for federal loans only, not private. For more information on Public Service Loan Forgiveness, please visit this site.

Frequently Asked Questions

  • Will the hospital pay to fly me to Saipan? What about return flights?

    Yes. CHC will cover airfare for the employee only from the point of recruitment to Saipan. Upon completion of the initial contract, CHC will pay for the employee’s return airfare.

  • The hospital will offer a $10,000 sign on bonus to help with relocation costs for new hires signing a 2-year contract. For locum tenens providers, housing and car rentals are covered for the duration of the contract.

  • Yes, but at your own expense.

  • Full-time providers usually sign 2-year contracts. Locum tenens providers may be anywhere from a few weeks to 6 months.

  • The schedule for each specialty is specified in each job description.

  • Yes. Saipan provides ample opportunities for families with children and teens to learn, explore, and grow.

  • There are a number of public and private schools on Saipan covering all grade levels. Both have sent graduates to Ivy league-level schools in the States and Asia. The high schools offer a variety of AP classes, participate in the Junior State of America (along with other specialty academic programs), and have had top national award winning groups in areas as diverse as aeronautical design and musical theater. The CNMI also has active educational theater, speech, and debate programs for all grade levels. Extra-curricular sports on-island (some connected with schools, some not) include track and field, soccer, swimming, rowing, basketball, and volleyball, among others. For highschoolers, bear in mind the great advantage of applying to colleges from a unique location, and note we are a part of the Western Undergraduate Exchange (WUE) family, allowing instate tuition when attending a large number of universities and colleges in the Western states. PLEASE NOTE: Our experience with the schools on Saipan has been good overall, but that is not everyone’s experience. Best advice: Investigate, ask around, and be flexible.

  • The malpractice coverage is Tort Claims. Also, the area has a non-litigious culture with minimal risk of litigation based on CNMI laws.

  • Vacation time is earned 1 day per 2 week pay period, for a total of 26 days per year. Paid holidays? All State and federal holidays are paid. The CNMI has 7 extra State holidays each year, for a total of 13 paid holidays.

  • Yes.