Medigram, the Wisconsin Medical Society’s electronic newsletter for physicians, features timely news, upcoming events, answers to frequently asked questions and the information you need to make your practice run more efficiently. Topics include legislative updates, legal information, practice management information, government regulations, and much more. Medigram is delivered via email on Thursdays.

If you have a Medigram story idea or would like to offer feedback, please email us or call 866.442.3800.

Horizon High School: Helping Recovering Teens Reach for the Stars
Staff from the Wisconsin Medical Society Foundation (Foundation) saw firsthand the important work made possible by donations to the Foundation’s Community Grant program when they visited 2026 grant recipient, Horizon High School. Horizon High School is one of 42 recovery schools in the nation and Dane County’s only recovery high school helping teens succeed in sobriety.

William Edward Finlayson, MD: A Century of Service, Scholarship, and Social Change
William Edward “Bill” Finlayson, MD, affectionately known as “Doc,” lived 101 years with purpose, conviction, and a steadfast commitment to uplifting others.

Big Changes to Federal Student Loans Start July 1
The federal student loan landscape is undergoing its most massive structural overhaul in decades. Driven by recent federal legislation, here are the key changes to know right now.

Call for Volunteers: Prescribers Needed for Madison Street Medicine
The Wisconsin Medical Society Foundation has been a proud supporter and community partner of Madison Street Medicine over the years and now they need your help as a volunteer.

George Lange, MD, Presented to AMA Senior Physicians Section
Wisconsin Medical Society member George Lange, MD, presented to the Senior Physicians Section (SPS) of the American Medical Association’s (AMA) Annual Meeting.

Digital Marketing Discount for WisMed Members
You can get a digital marketing or TV campaign tailored specifically to your needs and customers with the Wisconsin Medical Society’s (WisMed) preferred media vendor, WMSN-TV in Madison.

Horizon High School: Helping Recovering Teens Reach for the Stars

Horizon High School

Staff from the Wisconsin Medical Society Foundation (Foundation) saw firsthand the important work made possible by donations to the Foundation’s Community Grant program when they visited 2026 grant recipient, Horizon High School. Horizon High School is one of 42 recovery schools in the nation and Dane County’s only recovery high school helping teens succeed in sobriety. Funds from the Foundation grant supported wraparound services that Horizon provides for students in recovery, including group and individual counseling.

Horizon High School was founded in 2005 by a group of parents who watched their own teens struggle in traditional schools due to substance use and mental health challenges and realized a gap in the support available to their teens. In her letter of support, Elizabeth Perry, MD, Medical Director of Patient and Family Experience at UW Health writes, “The Horizon School is a very rare and important opportunity for kids who have run out of opportunities. They have fallen through the social safety net because of their significant trauma. They have fallen through the educational safety net because their substance use and mental health issues impair their progress. They have fallen through the medical safety net because they don’t know how to ask for help from a system that makes them feel invisible.”

Counseling is integrated into the school day to promote a culture of safety, encourage help-seeking behaviors, and to break down stigma around addiction and recovery. Group therapy sessions are guided by evidence-based research, including the Matrix Program, and focus on coping skill development, boundary setting, and emotional and social awareness. The academic curriculum blends life skills training and careers/higher education preparation, while still maintaining a concentration on the four core subjects of high school academics. Since its origins operating out of a church basement, Horizon High School has expanded to provide year-round services including after school programs, summer school, and weekend support.

serenity prayergardensnewspaper

“At Horizon, I found a supportive environment focused on both mental health and academic success. Their student-first approach, hands-on learning, and support helped reduce my anxiety, maintain sobriety, and improve academically. I am proud of the progress I made during my time there,” writes one Horizon graduating senior. Some graduates go on to pursue careers in social work or counseling and remain involved with the efforts of the school. Many post-graduates continue to utilize the school’s support services including the food pantry, which is supported by community donations and partnership with Second Harvest Food Bank.

Consistent funding is the biggest challenge for Horizon High School and currently, the school is operating at capacity due to staffing limitations. Funding comes from various sources, including a small proportion from Madison Metropolitan School District, and heavily relies on grants and individual donations. Foundation funding has been allocated toward supporting the Behavioral Health Program, with the main expense being well-trained special education assistants and a full-time counselor. If you are a health professional interested in getting involved at Horizon High School, please visit Horizon’s website. Save the date for their Fall Festival and Fundraiser on September 30, 2026, at Madison Marriott South.

Wisconsin Medical Society Foundation

Your generous support to the Foundation allows us to uplift community organizations making positive changes for a healthy Wisconsin. Horizon High School was recommended to apply for a Foundation grant through the Annual Physician Survey. We use the voices of physicians to guide how to allocate time and resources to build a strong physician workforce and advance community health initiatives. You can voice your opinions and recommend an organization to be invited to apply for a Foundation grant by taking the Annual Physician Survey. The Foundation works to support community organizations beyond the grants awarded by offering additional resources, outreach, and spotlighting the amazing work they do.

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ProAssurance Rapid Risk Review Podcast

William Edward Finlayson, MD: A Century of Service, Scholarship, and Social Change

William Edward “Bill” Finlayson, MD, affectionately known as “Doc,” lived 101 years with purpose, conviction, and a steadfast commitment to uplifting others. Born September 1, 1924, in Manatee, Florida, and called home on May 11, 2026, his life traced the arc of Black American progress from the children of former enslaved people to a generation of physicians, scholars, and civil rights leaders who reshaped the nation.

Dr. Finlayson was the youngest child of Rev. James Anthony Franklin Finlayson, a prominent Baptist minister, and Alba Eugene Keyes Finlayson, a pioneering educator. His mother, a college‑educated Black woman in the early 20th century, instilled in him the belief that education was both a responsibility and a liberation tool. She was deeply influenced by her friend and mentor, Mary McLeod Bethune.

His father, the son of a former slave, built the historic Macedonia Missionary Baptist Church in Miami and served as pastor for nearly 50 years. From him, William learned leadership, discipline, and the power of community institutions.

As a child, Dr. Finlayson received instruction from George Washington Carver, a formative experience that sparked his lifelong love of learning.

Barely out of high school, he enlisted in the United States Army during World War II, serving from 1943 to 1946 and rising to First Lieutenant. After returning home, he used the G.I. Bill to attend Morehouse College, where he studied under W.E.B. Du Bois, befriended Dr. Martin Luther King. Jr., and came under the mentorship of President Benjamin E. Mays, whose famous poem “I Have Only Just a Minute” became a lifelong mantra.

Dr. Finlayson earned his Bachelor of Science from Morehouse and later his medical degree from Meharry Medical College in 1953, followed by postgraduate study at the University of Minnesota.

In 1958, Dr. Finlayson established his private practice in Milwaukee, where he would deliver more than 10,000 babies over nearly four decades. Known as the “Baby Doctor,” he became one of the city’s most respected obstetricians and gynecologists.

He broke racial barriers as the first African American physician to practice at both Sinai and St. Joseph’s Hospitals, challenging the subtle segregation that shaped Milwaukee’s medical landscape in the 1950s and 60s.

His professional leadership included:

  • Fellowships in the American College of Obstetrics and Gynecology and the American College of Surgeons
  • Teaching roles at the Medical College of Wisconsin and the University of Wisconsin Medical School
  • Service in the Wisconsin Medical Society, including the House of Delegates
  • Advocacy for the creation of Medicare
  • Founding membership in a malpractice insurance company during the state’s malpractice crisis
  • Charter membership in Prime Care, Wisconsin’s largest HMO

In 1971, Dr. Finlayson co‑founded North Milwaukee State Bank, the first Black‑owned bank in the city. As Chairman for more than 25 years, he focused not on profit but on community development, homeownership, and financial literacy, long before these became national priorities.

His work helped stabilize neighborhoods, support small businesses, and expand access to full‑service banking for underserved communities. In 2022, a road was named for Dr. Finlayson to honor his contributions to the Milwaukee community.

Dr. Finlayson believed that representation mattered, especially in institutions where Black voices were historically absent. He served on boards and committees across Milwaukee, including:

  • The Urban League
  • The Milwaukee African American Council
  • The Garfield Foundation
  • The YMCA, where he led efforts to build a state‑of‑the‑art northside facility

As President of the Delta Chi Lambda Chapter of Alpha Phi Alpha Fraternity, Inc., he helped bring his friend and classmate Dr. Martin Luther King, Jr. to Milwaukee.

He also founded the W.E.B. Du Bois Club, mentoring young Black men in oratory, leadership, and financial literacy.

To his family, William was a source of unwavering love, wisdom, and stability. To his community, he was a drum major for justice. To his patients, he was a healer. To his colleagues, a pioneer. To his fraternity brothers, a model of scholarship and service.

His life embodied the poem by Benjamin E. Mays that he cherished, “Just a tiny little minute, but eternity is in it.”

Dr. William Edward Finlayson used his minute well.

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Big Changes to Federal Student Loans Start July 1

student loans chalkboard

The federal student loan landscape is undergoing its most massive structural overhaul in decades. Driven by recent federal legislation, here are the key changes to know right now.

Grad PLUS Loans Ending for New Borrowers

  • If you continue to be enrolled in a graduate program (i.e. medical school) that you previously received a Grad PLUS loan for prior to June 30, 2026, you are not a new borrower and the new limits do not apply.
  • Those entering a new program or those already enrolled in a program who have not borrowed will have loan limits. For medical school, the limit is $50,000 per year with a $200,000 lifetime borrowing limit.

Phaseout of repayment plans

  • Saving on a Valuable Education (SAVE), Income Contingent Repayment (ICR), and Pay as You Earn (PAYE) are being phased out on July 1, 2028. Borrowers in these payment plans will need to choose a new repayment plan over the next two years.
  • Income Based Repayment (IBR) is not being phased out, but access into the plan is being phased out on July 1, 2028. Those who want to use IBR should switch to it within the next two years.

Repayment Assistance Plan (RAP)

  • Starting July 1, 2026, borrowers may access this new income-driven repayment plan. This will be the only income-driven repayment plan for anyone with loans originating after July 1, 2026.

No New Loans, No Consolidation

  • To maintain access to existing income-driven repayment plans like ICR, PAYE, and IBR, you cannot have new loans originating after July 1, 2026.
  • Tip! Borrowers with loans prior to July 1, 2026, should not consolidate since a consolidation loan is considered a new loan.

Can You Use PSLF Buyback to Stay in SAVE Forbearance?

A common strategy being floated is whether a borrower can deliberately refuse to switch plans, remain in the SAVE administrative forbearance, and simply use the Public Service Loan Forgiveness (PSLF) Buyback program later to purchase those months back once they hit their 120 months of employment.

While the PSLF Buyback program does allow you to retroactively buy back months spent in an eligible forbearance, relying on it to bypass income recertification and related higher payments won’t help. Here's why:

  • Calculation Catch: The Department of Education does not let you buy back months at your old, lower SAVE payment rate. The buyback amount is recalculated based on what your payment would have been during those specific forbearance months.
  • Tax Returns Will Be Required: You will need to provide your tax returns and family size for the months being bought back to calculate the cost. Unfortunately, PSLF Buyback does not use your last income certification on file for the calculation.

Ultimately, trying to use PSLF Buyback to stay in SAVE won't shield you from your higher earnings; you will simply owe the higher, income-driven amount in a lump sum later to get the PSLF credit.

WisMed Financial
Mark Ziety

For personalized help with your financial plan, please contact Mark Ziety, CFP®, AIF® 608.442.3750.

Note: This article is for informational purposes only and should not be considered as financial or tax advice. Please consult with a qualified financial advisor or tax professional before making any financial decisions.

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Disability Insurance: Now is a great time to make sure you have sufficient income replacement coverage!We are here for you. WisMed Assure

Call for Volunteers: Prescribers Needed for Madison Street Medicine

volunteer flyer

The Wisconsin Medical Society Foundation (Foundation) has been a proud supporter and community partner of Madison Street Medicine over the years and now they need your help as a volunteer. Madison Street Medicine has served the Madison area community for 11 years and is a small non-profit doing big work. They believe housing is health care and they are the only street medicine provider in Dane County. They meet people where they’re at, whether that’s at a shelter, the sidewalk, the woods, in a parking lot, or at the Madison Street Medicine office. Located in the Social Justice Building on Willy Street, the space is open for unhoused individuals to come in, rest, get free items such as food, clothes, blankets, and toiletries, and access computers. Individuals can also enroll in housing programs with a case manager.

In 2025, the Madison Street Medicine health care team served 1,771 patients during 3,498 medical visits, and the outreach team provided 8,992 social services. Madison Street Medicine partners with approximately 100 volunteer physicians, nurses, and medical professionals to provide free health care, food, clothing, supplies, housing resources, and a human connection to unhoused individuals. One goal is to reduce the number of Emergency Room visits for non-emergencies, but just as important is connecting with, listening to, and caring for people who don't always feel heard.

Madison Street Medicine is currently seeking prescribers to join the volunteer team. They ask volunteers to serve a minimum of one shift every two months and commit to volunteering for a year. Clinics are held every weekday and second Saturdays, either at the clinic or on the road.


Mondays at Men's Shelter in partnership with the MEDiC program – 5:15 p.m. to 8:00 p.m.
Tuesdays at The Beacon – 9:00 a.m. to 11:00 a.m.
Wednesday Street Rounds – 9:45 a.m. to 11:45 a.m.
Thursday Street Rounds –  9:30 a.m. - 11:30 a.m. & 6:00 p.m. - 8:00 p.m.
Friday Street Rounds  – 9:30 a.m. - 11:30 a.m.
Second Saturday of every month: Foot Care Clinic at The Beacon – 8:15 a.m. to 11:30 a.m.

To learn more or to volunteer, please visit the Madison Street Medicine website.

Wisconsin Medical Society Foundation

If you would like to support important community health initiatives that increase health equity and access in Wisconsin, please consider donating to the Wisconsin Medical Society Foundation’s Mission Fund. You can offer suggestions about where Foundation grant funds are allocated by participating in our County Physician Survey, in partnership with the Wisconsin Medical Society. For more information or questions, please contact Yoshie Wingate at [email protected].

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George Lange, MD, Presented to AMA Senior Physicians Section

Dr. Lange presenting

Wisconsin Medical Society member George Lange, MD, presented to the Senior Physicians Section (SPS) of the American Medical Association’s (AMA) Annual Meeting. Dr. Lange presented the educational program entitled, Simplifying Life’s Final Affairs Through Advance Directives.

Dr. Jenny Boyer, Chair of the SPS, noted, “The material you presented was extremely valuable and contributed to the success of our program. We will continue to explore and expand upon this important topic. We appreciate your time and efforts and thank you for your commitment to the Senior Physicians Section.”

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Digital Marketing Discount for WisMed Members

You can get a digital marketing or TV campaign tailored specifically to your needs and customers with the Wisconsin Medical Society’s (WisMed) preferred media vendor, WMSN-TV in Madison. Digital marketing is hyper-targeted and more efficient than ever. Discover the ways your practice can get in front of the perfect new customer.

As a WisMed member, there are no production fees – for a TV commercial, that’s a $2,500 value, including creative design and expert advice from health care industry marketing professionals.

Examples of campaigns:

  • PSAs (vaccinations, community health initiatives, etc.)
  • Clinic Advertisement (new location, services, etc.)
  • General Awareness

Email Jim Lorence to take advantage of this offer.

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