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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 Francesca Marie McNally was born, she was the perfect baby. “Perfectly healthy. Beautiful. Very interactive,” describes her dad, Sean McNally. He and his wife Veronica were in love with their little girl. Just before she turned three months old, she started coughing.  “We saw four doctors,” said Veronica. “None of the doctors we were seeing, and there were so many, really knew what it was,” said Sean.After not getting answers from their pediatrician's office and local emergency rooms, they took their baby to Children’s Hospital of Michigan in Detroit. Doctors there immediately recognized how serious the situation was. She was rushed into intensive care. She did not make it. “It is with me every day. I think about her every day. I feel that loss every day,” said Veronica. Doctors found out too late that Francesca had whooping cough and they also found out how she caught it. “I had whooping cough. I don’t know where I got it from. I look back and wish that I would have known more about the way I could have protected myself and my family,” said Veronica. Babies cannot be vaccinated against whooping cough, but doctors recommend those who care for them are. Veronica says she asked why she wasn’t told this during her pregnancy. According to medical records, on the day of her delivery, a nurse offered her the Tdap shot, which is the whooping cough vaccine. 1449

WEST PALM BEACH, Fla. - Last Friday was a day for the history books at the Palm Beach Gardens Fire Rescue Station 65.For the first time, it was staffed by a shift consisting of all women."Station 65 on that day, from the top down, captain, driver, firefighter, the rescue lieutenant, the paramedic, every single person was female that day on that shift," Deputy Chief James Ippolito said.The proof is in the picture, which featured Fire Medic Kelsey Krzywada side by side with her female colleagues. She is the youngest woman in the photo, whose ages range from 20 to 50. She said it didn't take her long to find her calling"I was always interested in the medical field so medical field and something super active to help people it seemed like a perfect fit," Krzywada said.She admits that in a male-dominated field, the road wasn't easy."Fire school was definitely really hard. I'm always the smallest one, smallest height, smallest weight. It's hard to keep up with the boys. I trained as hard as I could," Krzywada said.Lucky for her, there were other women before her, like Rescue Lt. Krystyna Krakowski, to help pave the way.Krakowski understood the impact of an all-female crew, even if for one shift. WPTV Palm Beach Gardens Fire Medic Kelsey Krzywada hopes the all-female fire crew will inspire other women to become first responders. "We just thought women empowerment, girl power, how fun to have five women at the same station. It was a great day," Krakowski said.However, it was also a sad day after the death of a gender equality icon."It also happened on a day that Justice Ginsburg passed away as well," Ippolito said.As Ginsburg famously said, "Fight for the things that you care about. But do it in a way that will lead others to join you."According to Krakowski, it's already working for people like her daughter: a college student and a member of the Palm Beach Ocean Rescue."Women can do the same thing men can do," said Krakowski. "You know, we're capable of anything."And now, there are scores of other women and young girls to carry on the legacy of equality."As the years go on, and it becomes more prevalent, more girls are gonna see us and be motivated to go to fire school and EMT school and continue on through the EMS field," Krzywada said.Ippolito said Palm Beach Gardens Fire Rescue currently has 12 female employees with room for plenty more.This story was first reported by Chris Gilmore at WPTV in West Palm Beach, Florida. 2507

WHILE PUBLIC HEALTH EXPERTS ARE URGING AMERICANS TO GET VACCINATED, the process will require some patience as the supply will be limited initially. — The Federal Trade Commission’s website warned Americans on Tuesday that scammers could use coronavirus vaccines as a way to swindle the public.In the coming weeks, many high-risk Americans, mostly those who work in health care settings or those who live or work in assisted living facilities, will begin getting vaccinated against the coronavirus. The vaccines, however, likely won’t reach the broader American public for at least several months.While public health experts are urging Americans to get vaccinated, the process will require some patience as the supply will be limited initially.The Federal Trade Commission issued a series of recommendations to prevent getting conned.You likely will not need to pay anything out of pocket to get the vaccine during this public health emergency.You can’t pay to put your name on a list to get the vaccine.You can’t pay to get early access to the vaccine.No one from a vaccine distribution site or health care payer, like a private insurance company, will call you asking for your Social Security number or your credit card or bank account information to sign you up to get the vaccine.Beware of providers offering other products, treatments, or medicines to prevent the virus. Check with your health care provider before paying for or receiving any COVID-19-related treatment.The Federal Trade Commission is asking those who believe they are being the target of a scam to contact them at ReportFraud.ftc.gov. 1614

When experts look at the economy and its rebound, they go through an alphabet soup of letters, with a “V” shape recovery being the best-case scenario. It’s a fast decline with a fast recovery. Letters like “W” or “L” mean a much slower and painful path forward.A resurgence of more COVID-19 cases is shifting the likely shape of our economic recovery, and having economists evaluate the likelihood of a recovery in the shape of the more dreaded letters.“The fact that the virus has increased in a number of states shows that it is still very much a threat not only to one’s health but the economy,” said Michelle Meyer, who heads U.S. Economics at Bank of America. “The initial stage of the recovery was quite robust. It felt quite ‘V’ like, the economy was digging its way out of what was a very deep hole.”According to Bank of America, about a third of the jobs lost during the pandemic have been recovered. However, the recovery has slowed down into more of a “U” shape, and now data is showing a stall with concern of a higher chance of a “W” or “L” shape recovery.“The ‘W’ trajectory would be the worst-case scenario. That would show real fragility on the economy if we dipped back into a recession,” added Meyer.Experts say it would lead even higher unemployment, and more permanent job loss and business closures. In addition, to come out of a “W” or “L” shape recovery, we would need even more stimulus money from the federal government, which may not even improve the economic downturn as much as it did the first time.“Stimulus in Washington provides a really nice band-aid and I think it helped tremendously in the first stage of this recovery but at the end of the day, we need the economy to fundamentally improve,” said Meyer.The good news is unless there is a significant or full shutdown again, a “W” shape recovery is still less likely to occur than a “U” shape.“Our analysis projects that a 'U' shape recovery with rather steep losses and growth this year and rather flat next year and then recovering subsequently is the most likely outcome,” said David Turkington, the Senior Vice President at State Street Associates.A recent State Street study based on 100 years of historical data shows that the U.S. still has 30.1% chance of a “U” recovery, and a combined 24.4% chance of a “W” or “L” shape recovery which include stagflation and depression outcomes.“The real economy I think is what determines the recovery and how that plays forward,” said Turkington.The real economy is jobs, businesses and consumer spending. Providing stability there could determine which way the economy goes. 2615