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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 it comes to saving lives, seconds count. And now, thanks to improving technology, drones are proving to be a game changer in an emergency.Dozens of people’s lives were saved last year with the help of drones, according to drone maker DJI.  The company said from May of 2017 to April of 2018, 65 people were rescued with the help of a drone. DJI reviewed media reports to come up with that number and included documentation in its recent report released this year.Firefighters, search and rescue teams and other members of law enforcement are using drones to survey an area much faster from the air than people can on the ground.“During a search and rescue operation we can see body temperature, Romeo Durscher, DJI’s Public Safety Integration Director, said.Drones carry more than simple cameras. They are now built to send back infrared images.Aeryon Defense USA, of Denver, has drones that can carry upwards of four pounds of payload. The company sells drones that can be used by police agencies and the military."That allows you to hook in a medical kit, radio, food, water (or) ammunition to provide life sustaining equipment," said Mark Holden of Aeryon Defense USA. “We can carry water, enough for one day, food, even ammunition resupplies and some explosives as well.”The company’s drones can also be programed to single out a person moving in the camera’s view, but ignore a tree blowing in the wind or wildlife.“This is just the beginning. Everything we do is about taking the load off the end user. We want to replace human functions on the battlefield with a robot,” Holden said.Drones have helped find a woman with dementia in Randolph County, North Carolina. She had wandered into a nearby field. Drones dropped a life preserver to flood victims in Sichuan, China before rescue crews arrived to save the victims. An infrared camera-equipped drone located a crash victim who became unconscious after leaving his car to get help. A similar camera also was used to locate lost tubers on a river in Vestavia Hills, Alabama.Technology allows drones to carry more weight than before. In the last one-and-a-half to two years, drone makers have improved how drones fly in difficult weather conditions."Search and rescue operations rarely happen on a beautiful, no wind kind of day so we had to design them to withstand the snow, the wind, and the rain,” Durscher said.They can help save the lives of rescuers too."You know what's ahead of you. It can alert you of a big cliff or flooded river,” Durscher said.Drones used by most rescue agencies run as much as ,000 to ,000. 2642

WILMINGTON, Del. – In a prime-time speech after the Electoral College vote, President-elect Joe Biden is set to declare that “not even ... an abuse of power” can stop a peaceful transition of power in the U.S. after last month’s election.That’s an overt swipe at President Donald Trump’s refusal to accept defeat and the top Republicans who have continued to stand by him.Biden is set to speak in Wilmington at about 7:30 p.m. ET Monday after the Electoral College formally votes to declare him president.According to excerpts released ahead of time by his campaign, Biden plans to call for unity and again express his intentions to be a president for everyone, regardless of whether they voted for him.“As I said through this campaign, I will be a president for all Americans,” Biden will say. “I will work just as hard for those of you who didn’t vote for me, as I will for those who did.But he also will say that “In America, politicians don’t take power — the people grant it to them.”“The flame of democracy was lit in this nation a long time ago,” Biden is set to say. “And we now know that nothing — not even a pandemic —or an abuse of power — can extinguish that flame.”As electors gathered in all 50 states and the District of Columbia on Monday to formally vote for the next president, the U.S. reached two major milestones in the COVID-19 pandemic. The nation’s death toll from the coronavirus surpassed 300,000 people and the first doses of Pfizer’s COVID-19 vaccine were administered to health care workers in several states.During his remarks, Biden is also expected to touch on the state of the pandemic and what he’ll do to help get the country through it.“There is urgent work in front of all of us. Getting the pandemic under control to getting the nation vaccinated against this virus. Delivering immediate economic help so badly needed by so many Americans who are hurting today — and then building our economy back better than ever,” Biden is set to say. 1983

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

We've heard about telehealth for people, but now it's there for animals too. According to the American Veterinary Medical Association, there's been a significant increase in telemedicine, and some veterinarians are entirely virtual.The pandemic has proven we can do almost anything from our couches, computers and phones. We've grown accustomed to all things virtual and it seems our pets are used to it too.“It really highlights the value of something like this and it also really highlights where society is living. Even before the pandemic, turned to google, turned to the internet first. It's our first step in almost everything,” says Dr. Sarah Machell.Machell is the lead veterinarian for Vetster, which provides on-demand virtual care for your pet.“Consultations, meeting pet owners in their homes, where they are with their pets, and helping to address urgent and preventive care health conversations to them,” Machell said.She says the company, which launched in October 2019, wasn’t formed because of the pandemic, but they certainly evolved at the right time."The veterinary clinics themselves are feeling a really heavy surge with the pandemic. It’s a pretty crushing situation for them. We already as a profession had some staffing challenges, not enough veterinarians for how many pets and pet owners there are,” Machell said.Pet owners, she says, often have a hard time getting an appointment. Or they have to wait in their cars with their animal outside of their clinic. And, according to Vetster, 50% of pet owners don't even have an established home clinic.“There was a poll recently that showed 37% of American households welcomed a new pet into their home during the pandemic. Pandemic puppies are a real thing,” Machell said.“I think it offers a great addition to the tools I have at my disposal. Telehealth can be used very much the same way,” said Dr. Douglass Kratt, president of the American Veterinary Medical Association. The AVMA serves roughly 96,000 veterinarians across the country. They've been through a lot this year, adjusting to new norms, like all of us. As in human medicine, they've had to perfect, or initiate virtual options.“It doesn’t replace your veterinarian. What it does is help your vet better serve you and your family member,” Kratt said.Kratt admits there are some obvious challenges.“I can’t hear if your dog is coughing, I can’t listen to the heart and lungs via telemedicine so that wouldn’t be amenable,” Kratt said.He says, however, it's effective overall, and especially worthwhile if it's with your established vet. But if you don't have one, Vetster and other businesses like it aim to help.“There are so many pets and pet owners who sometimes sit on things and aren’t sure if they need to go into a clinic, really appreciate that piece of mind in the middle of the night that no, you don’t need to pack yourself up and get into a vet clinic. This is something you’re okay to wait until the morning,” Machell said.And she says they're prepared to help all animals from pocket pets to exotic and large animals. It’s yet another adjustment and another pivot in 2020. 3131