Josh Umbehr of the Kansas-based medical practice Atlas MD explains how his practice delivers low-cost family medicine using a direct-pay membership model. Part of Umbehr's philosophy is that insurance tends to complicate care delivery more than it helps. Under Umbehr's membership model, patients receive unlimited visits with no co-pays. Procedures and tests that can be done onsite are included, such as biopsies, joint injections, ultrasounds, spirometry, and others. The practice also dispenses medications wholesale out of its office, as Kansas is one of the 44 states that allow physicians to do so. Umbehr argues that this model could substantially shift the way that healthcare is delivered in the U.S. if adoption continues to grow.

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