First off, your best investment at this point is a $300 consultation with a knowledgeable physician contract or employment attorney.
> there is a three month notice required both ways for resigning or firing.
> i want to give my three month notice . my only fear is that can
> the employer accept the resignation right way, then i will be three
> months short( which i do not want to do and at same time dont
> want to stay a day more than 3 years).
I can see your dilemma. If you want to play it safe, wait until 3 year 1 day after you started your waiver to hand in your resignation.
> someone told me that florida is a at will state and anyone can be fired .
Anyone who doesn't have a contract specifying otherwise (in some more unionized states, there are state laws specifying notice periods once one has worked for an employer for a certain time, regardless whether they have a contract or not).
'Pacta sunt servanda' applies in FL, whether the employer interests like it or not. The problem is that an employer could fire you despite your contract and bank on the fact that you won't sue them for breach of contract because you have more important things to do at that point.
In all honesty, unless your employer is above headcount and waiting for an opportunity to cut cost (e.g. your head), the likelihood of them firing you prematurely is slim to none. You are fulfilling a function in their organization. In medicine, it takes often more than 3 months to fill a position due to licensing and credentialing issues. Ordinarily a physician employer would be ill advised to fire an employee doc without notice (unless they have your replacement already lined up, for a CHC that would be rather uncommon).