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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 the Trump administration first asked the Pentagon to send troops to the southern border, they wanted them to perform emergency law enforcement functions, CNN has learned.The Pentagon said no.According to two defense official familiar with the request, the Department of Homeland Security asked that the Pentagon provide a reserve force that could be called upon to provide "crowd and traffic control" and safeguard Customs and Border Protection personnel at the border to counter a group of Central American migrants walking to the U.S. border to request asylum.The Pentagon rejected the request on October 26, according to one of the officials, even as it signed off on providing DHS with air and logistics support, medical personnel and engineers.The request was turned down because the Department of Defense felt that active duty troops do not have the authority to conduct that type of mission unless they are granted additional authorities by the President.Defense officials have repeatedly emphasized the troops at the border are there to support civil authorities and that they are not expected to come into any contact with migrants. 1154

White House lawyer Ty Cobb is leaving his position, the White House said Wednesday."For several weeks Ty Cobb has been discussing his retirement and last week he let chief of staff (John) Kelly know he would retire at the end of this month," White House press secretary Sarah Sanders said in a statement.The New York Times first reported the news."It has been an honor to serve the country in this capacity at the White House," Cobb told the Times. "I wish everybody well moving forward."The Times, citing two people briefed on the matter, said attorney Emmet Flood would replace Cobb as the President continues to grapple with the special counsel investigation led by former FBI Director Robert Mueller. Flood represented then-President Bill Clinton during his impeachment process in the late 1990s.Cobb, a former federal prosecutor, joined Trump's legal team in July 2017. 882

With many charities in need amid the coronavirus pandemic, Congress approved a program that allows Americans to write off up to 0 in charitable donations without filing an itemized return.The program, which was part of the CARES Act approved by Congress in the spring, is intended for those who take a standardized deduction. According to the IRS, 87% of tax filers take a standardized deduction.The IRS encourages tax payers to go to the “Tax Exempt Organization Search” in order to ensure the donation is eligible for a tax deduction. The IRS also reminds Americans to keep records of donations, such as obtaining a receipt of the contribution.“Our nation’s charities are struggling to help those suffering from COVID-19, and many deserving organizations can use all the help they can get,” said IRS Commissioner Chuck Rettig. “The IRS reminds people there’s a new provision that allows for up to 0 in cash donations to qualifying organizations to be deducted from income. We encourage people to explore this option to help deserving tax-exempt organizations – and the people and causes they serve.”More info can be found here. 1143

While recognizing that the 2020 presidential race has not been called yet, Democratic nominee Joe Biden said he expects to win the states of Pennsylvania and other key battleground states.A win in Pennsylvania would give Biden enough Electoral College votes to win the presidential election and become president-elect. Biden led the state of Pennsylvania by 29,000 votes as of late Friday. Twenty-four hours earlier, Biden trailed in the state, but was bolstered by mail-in voting numbers on Friday.Biden also leads in the states of Arizona, Nevada and Georgia.Meanwhile, President Donald Trump has vowed to fight the vote count in the four aforementioned states.“Joe Biden should not wrongfully claim the office of the President. I could make that claim also. Legal proceedings are just now beginning!” Trump tweeted on Friday.If the results hold, Trump would become the first one-term president since George H.W. Bush who lost in 1992 to Bill Clinton."And look at the national numbers: We’re going to win this race with a clear majority of the nation behind us," Biden said.Biden said that his transition team is not waiting to get to work.“Yesterday, Senator Harris and I held meetings with a group of experts on the public health and economic crises our country is facing,” Biden said. “The pandemic is getting significantly more worrisome all across the country. Daily cases are skyrocketing, and it is now believed that we could see spikes as high as 200,000 cases in a single day.”Biden then addressed the economy.“More than 20 million people are on unemployment. Millions are worried about making rent and putting food on the table,” Biden said. “Our economic plan will put a focus on a path to a strong recovery.”Biden concluded the speech by urging civility in politics as protests across the country continued.“My responsibility as President will be to represent the whole nation. And I want you to know — that I will work as hard for those who voted against me as for those who voted for me,” Biden said. 2024

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