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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

With Christmas right around the corner, many businesses around San Diego County are getting ready to open their doors to sell fresh Christmas trees. We've compiled a list of places you and your family can pick up a fresh Christmas tree in and around San Diego County. RELATED: Pumpkin patches around San Diego County 339

When 13-year-old Hania Aguilar?is laid to rest in North Carolina on Saturday her father will be nearly 3,000 miles away.The US State Department has denied a temporary visa for Noé Aguilar to travel from Guatemala to attend services for his teenage daughter, according to the father's attorney."I had hoped they would find it in their hearts to let me be there for my daughter's funeral," Aguilar told CNN in a brief phone interview Friday."It's very sad. She was my princess. She will always be my princess."Immigration attorney Naimeh Salem said US embassy officials in Guatemala denied the temporary visa on grounds that Aguilar "didn't have enough ties to his home country, Guatemala.""That is not true," she said. "He has family there and his own business." 774

When 4-year-old Mateo forgot his favorite toy, Bear, in San Diego during a recent trip, employees of a local hotel made sure Bear had a good time in America’s Finest City.Mateo and his parents visited San Diego earlier this month. They didn’t realize they left Bear in their hotel room at the Hyatt Regency Mission Bay. Employees were able to find Bear, but made sure he enjoyed his extended vacation in San Diego before sending him back to Los Angeles. Bear enjoyed the hotel pool and water slide, lunch, and the spa before his trip back home. Hotel employees took photos of Bear’s adventures and sent him back home to his family, along with a few goodies for Mateo.Mateo and his family are relatives of 10News reporter Melissa Mecija. 744

WILMINGTON, Del. — The revelation that federal prosecutors have launched a tax investigation into president-elect Joe Biden's son Hunter is now looming over the incoming administration's transition efforts.Reports Wednesday that federal authorities are investigating Hunter Biden's business in China is reviving distracting storylines and complicating the choice of an attorney general who would have to oversee a probe into Biden's son.The Associated Press has reported that Biden transition officials were considering nominating outgoing Sen. Doug Jones, D-Alabama, or Merrick Garland — President Barack Obama's nominee to replace Justice Antonin Scalia on the Supreme Court in 2016.But because Jones and Garland have longtime ties to Biden, the president-elect may choose to nominate someone else in the hopes of eliminating accusations of bias.President Donald Trump's initial public response was surprisingly muted, just a pair of tweets about a Fox News segment. But privately, he was demanding to know why the investigation was not revealed ahead of Election Day.Other Republicans, including possible presidential contenders, were anything but shy in piling on, questioning the integrity of the president-elect as well as his son. 1245

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