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WILMINGTON, Del. (AP) — The Democrats' historic boundary breakers are joining forces at the party’s national convention. Barack Obama, Hillary Clinton and Kamala Harris are all addressing the virtual convention Wednesday night in an effort to rouse the diverse coalition Joe Biden will need to defeat President Donald Trump this fall. Harris made a surprise, brief appearance as proceedings got under way, calling on supporters to make specific plans to vote — and overcome obstacles including the coronavirus and postal delays.Obama, the first Black president, and Clinton, the first woman nominated for president by a major party, were also speaking later, and Harris will be delivering remarks that will serve as her introduction to millions of voters. 763

With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

White House senior adviser Jared Kushner's family real estate group obtained business loans after Kushner met with the company heads in his official government capacity, The New York Times reported Wednesday.According to the Times, Kushner met with Joshua Harris, one of the founders of Apollo Global Management, on multiple occasions while advising the Trump administration on infrastructure policy, three people familiar with the meetings said.The topic of a job at the White House was also brought up, though never materialized. In November 2017, Apollo's real estate group lent Kushner Companies 4 million to refinance the mortgage of a Chicago skyscraper. The size of the loan, according to the Times, was triple the size of their average property loan.  775

When she married George H. W. Bush in 1945, Barbara Bush became a vocal defender of her husband, and later his children. After her passing on Tuesday, former Bush rivals joined forces to honor the former first lady. President Donald Trump was among those who had kind words for Barbara Bush on Tuesday, even though she didn't always have nice things to say about him. Bush expressed her displeasure for Trump's comments during the 2016 presidential campaign, when he called Bush's son Jeb, a Republican presidential hopeful, "low energy." 551

Willie Nelson's 35th annual benefit concert Farm Aid is going virtual this year.Musicians John Mellencamp, Neil Young, Dave Matthews, and others will come together on Sept. 26 at 8 p.m. ET to help raise money for farmers who face challenges amid the coronavirus pandemic.“This pandemic and so many other challenges have revealed how essential family farmers and ranchers are to the future of our planet,” said Farm Aid President and founder Willie Nelson in a press release. “Farm Aid 2020 is going to give the whole country a chance to learn about the important work of farmers and how they’re contributing to our well-being, beyond bringing us good food.”The three-hour event will be live-streamed on Farm Aid’s YouTube channel, AXS TV, and Fans.com.You can find the full line-up here. 796