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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

WEST PALM BEACH, Fla. - For better or worse.Attorneys in South Florida say that during the COVID-19 pandemic, more couples are requesting prenuptial agreements.For Amanda Locker, her wedding day felt like a fairy tale."Was only thinking marriage, kids, and being married forever," Locker said.10 years after tying the knot..."Two beautiful children, but our lives did change. Could I imagine being married today to the same gentleman? Absolutely not," Locker said.Now the former stay-at-home mom imagines if she would have had a prenuptial agreement."I think I would want to sign one to protect myself," Locker said.According to the American Academy of Matrimonial Lawyers, 60% of family law attorneys surveyed reported an overall rise in prenuptial agreements in recent years."There’s been a lot of postnuptial agreements, prenuptial agreements," attorney Abigail Bebe said.WPTV called six local attorneys and five of them said during the pandemic they’ve seen an increase of prenuptial agreements. Bebe said you should start the process at least three months before the wedding."It’s really the ideal time to make plans so when it comes to that if it ever does, there are really fewer things to fight about," Bebe said.Licensed clinical social worker and family therapist Alyse November said the pandemic is bringing up difficult financial conversations for couples."We want to hear, really hear and when we hear we can repeat it and ask somebody did I get it? Did I get everything that you were saying? And the next step we want to have them do is ask them if there’s anything more you want to tell me about this," November said.This story was first reported by Sabirah Rayford at WPTV in West Palm Beach, Florida. 1725

With Burger King bringing back its menu, the burger chain is celebrating by giving away money for fans to try it out.Currently, the company is depositing into random people's Venmo accounts to encourage people to check out the Your Way Menu.The menu will feature four items: bacon cheeseburger, chicken jr. sandwich, a value soft drink, and value fries. And they all cost . 392

Will the iPhone X change your life for the better and usher you into the future, face first? Or is it just another smartphone with a giant screen and a strange little rectangle on top?We've only had the phone since Monday morning. It's more than the few minutes of hands-on time reporters had when the device was launched, but a day is not enough time to fairly review the iPhone X. It's like deciding if you want to marry someone after one blind date.So while we test, tinker and tap this week, here are some first impressions to whet your appetite, presented as yearbook superlatives: 594

While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party is projected to have a majority of seats in the US House once the new Congress is seated in January. All 435 seats in the House of Representatives were up for election on Tuesday, and that fact has spurred high voter turnout in an election that could see a lot of change on Congress. 401