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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
When you hear wedding bells, you often see dollar signs. But there are additional costs to consider besides basic ones like the venue, dress, photographer and cake.Here are some often overlooked wedding expenses and how to budget for them. 257

WINDSOR, Ontario — Caesars Windsor Hotel and Casino is temporarily closed due to a labor dispute with a local union.According to the company's website, the closure is the result of a labor disruption. A message on the site says, "At this time, hotel reservations booked between Friday, April 6 until Thursday, April 12 have been canceled."The Unifor Local 444 Facebook page says there was a tentative deal in place as of April 3 but that fell through.On Thursday night, only 41 percent of union members voted in favor of the new deal, which caused the strike. The 444 handles everything from janitors and food/waitstaff to hotel clerks.The casino says that Friday’s Johnny Reid concert has been postponed. Ticketholders can use their tickets when the show is rescheduled, or get a refund. However, tickets purchased at the Caesars box office will not be refunded until it reopens following the labor dispute. Right now, the casino says all other shows are scheduled until further notice.It's not clear how long the employee strike will last. The last strike at the casino happened in April of 2004 and lasted about 40 days.The casino released this statement: 1166
White House counsel Don McGahn's 30 hours of conversations with special counsel Robert Mueller's team has unnerved President Donald Trump, who didn't know the full extent of McGahn's discussions, two people familiar with his thinking said.The meetings only add complications to the already-fraught relationship between the President and the White House's top lawyer. And as nervous aides await a verdict in former Trump campaign chairman Paul Manafort's trial and watch with trepidation the inauspicious public relations blitz carried by lead attorney Rudy Giuliani, uncertainty surrounding the President's handling of the Russia investigation abounds.Trump was spending another weekend at his New Jersey golf club when The New York Times first reported McGahn's cooperation with Mueller's office, which is investigating Russian attempts to interfere in the 2016 election. 880
WEST PALM BEACH, Fla. (AP) — Unemployment benefits for millions of Americans are set to lapse at midnight unless President Donald Trump signs an end-of-year COVID relief and spending bill that had been considered a done deal before his objections. He is demanding larger COVID relief checks for Americans and complaining about "pork" spending. But Congress has already passed the package by large margins in both houses. Failing to sign it will mean pain for those struggling to make ends meet and a potential federal government shutdown in the middle of a global pandemic. 581
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