Thứ Bảy, 24 tháng 2, 2018

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For more infomation >> DIY FROSTER SLIME 🍧🥤🍹 !!! STAYS COOL!!! - Duration: 9:01.

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Medical marijuana activist says OHP targeted her because of her license plate - Duration: 1:45.

For more infomation >> Medical marijuana activist says OHP targeted her because of her license plate - Duration: 1:45.

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Welfare Queen Loses Benefits, Gets Thrown In Prison When Cops See Her Facebook - Duration: 7:27.

Welfare Queen Loses Benefits, Gets Thrown In Prison When Cops See Her Facebook

A "model" who once claimed she was so poor and down on her luck that she needed

to beg for food from food banks in order to survive has now been jailed after being busted

for leading a glamorous and jet set lifestyle.

32-year-old Brit model Carina Reid claimed more than $70,000 in housing and council tax

benefits in order to help fund her luxury trips to Ibiza and Dubai.

Although she had more than $250,000 in 19 different bank accounts spread out around

the world.

The con artist model even went as far as to claim she needed money to pay rent on a flat

she herself owned on the King's Road, Chelsea.

A place where the average price for a flat is $2.9 million.

Reid told Kensington and Chelsea Council that since her beauty business in Wandsworth, South

London, was struggling even though she was actually planning to open new salons in Dubai

and Los Angeles and her salon's website claimed she had a "VIP film star" clientele,

which included Friends star and director David Schwimmer and singer-songwriter Michael Buble.

The scam went as far Reid sending $228,000 abroad in 2013-2014 to acquire property in

Dubai.

The whole scam went south when investigators looked at her Facebook page and saw pictures

of her lavish lifestyle.

Although Reid claimed that the trips were gifts from friends and boyfriends she was

sentenced to three years in prison at Isleworth Crown Court after pleading guilty to nine

charges of dishonestly claiming housing benefit and council tax benefit.

To date, none of the money she was paid in benefits has been recovered.

Via Evening Standard:

Model who claimed £50,000 in benefits while living jet-set lifestyle is jailed after inspectors

spotted her glamorous Facebook holiday snaps

A model who claimed she was so poor she lived on food handouts from her local mosque has

been jailed after benefits inspectors uncovered her jetset lifestyle from glamorous holiday

snaps posted on Facebook.

Carina Reid, 32, claimed more than £50,000 in housing and council tax benefits to help

fund luxury holidays in Dubai, Hong Kong, Spain, Portugal, France and Switzerland and

meals at the West End's top restaurants.

She claimed handouts to pay rent on a flat in an upmarket block in King's Road, Chelsea,

which she actually owned, and was found to hold £180,000 in 19 separate bank accounts.

Reid, who also works as a beautician, told Kensington and Chelsea Council she had no

savings, took no holidays and made so little from her Wandsworth beauty business Enhance

Medica that she accepted free food and drink from her local mosque.

Another holiday snap of Reid by a pool in Dubai (Facebook)

But on the firm's website, she claimed a "VIP film star" clientele including Michael

Buble and David Schwimmer, and revealed plans to expand into Dubai and Los Angeles.

While claiming benefits between 2009 and 2014 she went on a string of luxury trips which

were uncovered by suspicious council fraud inspectors who trawled through her social

media profile.

Her Facebook account, under the pseudonym Cara Delmonte, shows her sipping champagne

in Harrods and dining at other top establishments including Scotts in Mayfair, the Dorchester

and the Berkeley.

Alongside a photo from Laduree tea rooms in Harrods in August, 2014, she wrote: "Drinking

champagne.

It's a hard life!"

Pictures from the same year show her taking a helicopter trip at the Cannes film festival,

posing in a glamorous evening gown by a luxury cruise liner in Lisbon and relaxing at a rooftop

pool.

In February 2014 she went skiing in Davos and posted: "It's bloody hard.

I'm aching but surviving.

Might give snowboarding a whirl too."

Reid was jailed for three years, one of the most severe sentences ever to have been handed

out in London for benefit fraud She spent New Year 2013 in Barcelona, while

just weeks earlier she posted a picture of herself draped across a Lamborghini in Dubai

after attending a yacht party.

During a trip to Macau, Hong Kong in 2010 she wrote: "Getting over the pool party

yesterday so relaxing and chilling with millionnaires drinking champagne and Pimms!"

Investigations by Kensington and Chelsea's anti-fraud squad found the King's Road flat

she claimed to rent in her benefit claim was purchased with a deposit of £20,000.

She was able to acquire a mortgage based on genuine tax returns, which showed Enhance

was a thriving business.

In 2014 she took a helicopter trip at Cannes and she sent cash abroad to buy property in

Dubai A further financial investigation revealed

she sent £116,000 abroad in 2013-2014 to acquire property in Dubai.

Yesterday, Reid was sentenced to three years in prison at Isleworth Crown Court having

pleaded guilty to nine charges of dishonestly claiming housing benefit and council tax benefit.

It is one of the most severe sentences ever to have been handed out in London for benefit

fraud.

The court heard she had been overpaid £51,110 in benefits, none of which has been recovered.

Reid told the court that she did not believe she had an extravagant lifestyle and claimed

some of the trips abroad were paid for by friends or boyfriends, while others were business

training trips.

She insisted she had always been truthful in her tax affairs.

Sentencing, Judge Douglas Marks Moore described Reid's fraud as "sophisticated" and

"premeditated" and designed to fund her "lavish lifestyle".

He said this was "not a passive fraud" and that every time she filled in a claim

form there was a "positive demonstration to deceive."

Her beauty services are based at a separate unconnected beauty business, Regina Doctor

H, in upmarket shopping street Old York Road, by Wandsworth Town rail station.

Neighbours today told of their shock that "a glamorous and charming" businesswoman

had been exposed as a fraudster.

Andreja Oblak, 31, a barista at a coffee shop opposite Enhance's outlet in Old York Road,

said: "I can't believe it.

She always seemed so polite and sophisticated.

I can't believe she was such a scammer and she was ripping us all off to pay for her

lifestyle."

A neighbour at her block in Kings Road said: "It's a shock.

We barely saw her because of her jetset lifestyle.

She was always partying and just gave the impression of being very successful."

Councillor Nicholas Paget-Brown, leader of Kensington and Chelsea council said: "Money

that was intended for those in greatest need was instead dishonestly used by Carina Reid

to fund a lavish lifestyle at taxpayers' expense.

"I am very pleased that following our investigation, which uncovered her real circumstances, that

the court has handed down this custodial sentence."

Forget modeling and styling hair.

What this woman should really be doing is writing a book on how to be rich off welfare.

She would become a multi-millionaire just on her book sales alone.

what do you think about this?

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For more infomation >> Welfare Queen Loses Benefits, Gets Thrown In Prison When Cops See Her Facebook - Duration: 7:27.

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irritable bowel syndrome treatment | Irritable Bowel Syndrome: What Treatment Options? - Duration: 4:15.

For more infomation >> irritable bowel syndrome treatment | Irritable Bowel Syndrome: What Treatment Options? - Duration: 4:15.

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Democrat Darling Mayor Found Robbing $33K From Taxpayers To Have Illicit Affair - Duration: 3:21.

Democrat Darling Mayor Found Robbing $33K From Taxpayers To Have Illicit Affair.

We just can't go one week without learning about another dirty democrat.

I mean, seriously, the news just keeps coming!

It seems like the entire party is corrupt.

Democrats across the country are being exposed.

They are committing all sorts of atrocities.

Be it money laundering, bribery, scamming charities, or sexual harassment.

If there is something bad you can do as a politician, the Democrats are guilty of it.

So it shouldn't come as a shock that investigators were on the trail of one sick Democrat.

Looks like a Tennessee mayor was engaged in all sorts of illicit behavior.

And we're talking about really bad stuff.

Although the official denies it, law enforcement just got the evidence they needed to put the

nail in her coffin

From Tennessean: The Tennessee Bureau of Investigation says

it has obtained nude photos of a woman taken on the phone of former Sgt.

Rob Forrest, evidence that investigators believe shows Nashville Mayor Megan Barry engaged

in an affair with her former bodyguard while he was on duty…

The affidavit cites explicit images of a woman's body found on Forrest's phone that appear

to be taken while he was on out-of-town trips with the mayor.

In short, the article is being nice.

What this is really saying is that Mayor Barry was the nude woman in the photos.

It is becoming quite clear that she had an affair on the taxpayers' dime, and perhaps

her lover Sgt.

Forrest was holding these photos for blackmail.

Sounds a lot like a made-for-TV-movie.

Also on Forrest's phone, subpoenaed by the TBI earlier this month, investigators have

uncovered 260 deleted chats between that device and Barry's phone number as well as 35 deleted

call logs, the affidavit states…

Based on the photos and deleted chats they discovered on Forrest's phone, the TBI says

it has probable cause to seek evidence they believe could show a crime was committed.

The affidavit cites state statutes for misconduct of public officials and employees and theft

of property.

It seems like Barry admitted to having the affair, but claims no crimes were committed.

Um, lady, that's bad enough.

An elected official, entrusted with running a city, should not be jumping into bed with

one of her staff on the citizens' dime.

Evidence suggests that the guard was engaging in sexual activity while on duty.

That crosses into some muddy waters.

What else was going on that Barry tried to hide?

Shouldn't voters know that they elected a shady person into office?

Surprise, surprise, despite being exposed, she refuses to step down.

Do all Democrats have mental problems?

This woman has been outed as violating her office and marriage.

The relationship could have created a conflict of interest and misuse of public funds.

That's enough to remove someone from office

The smart thing for her to do is step down and deal with this criminal investigation.

It's time to let someone else run the city.

what do you think about this?

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For more infomation >> Democrat Darling Mayor Found Robbing $33K From Taxpayers To Have Illicit Affair - Duration: 3:21.

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Manga / Anime Animated, Sparkle Music Video - DEAMN - Ecstasy (SecretNc Edit ) - Duration: 4:34.

I love you in LA

I don't know how you did it

You stole my heart that night

You know just what to say

To make me weak in my knees

But I'll be fine

Yeah I'm growing, growing up with you

We're rolling, rolling down the hill

And I'm falling, falling hard for you

Baby, you're my ecstasy

Only you can give me feels

These drugs, they ain't enough

These drugs, they ain't enough

They ain't, baby

Only you can give me feels

These drugs, they ain't enough

These drugs, they ain't enough

They ain't, baby

These drugs, they ain't enough

They ain't, baby

I hate you in LA

I took too many drinks *Soft drink*

You'll never see me cry

I'm gonna walk away

You got me poppin' these pills *Soft Medicine*

But I'll be fine

Yeah I'm growing, growing up with you

We're rolling, rolling down the hill

And I'm falling, falling hard for you

Baby, you're my ecstasy

Only you can give me feels

These drugs, they ain't enough

These drugs, they ain't enough

They ain't, baby

Only you can give me feels

These drugs, they ain't enough

These drugs, they ain't enough

They ain't, baby

These drugs, they ain't enough

They ain't, baby

Only you can give me feels

These drugs, they ain't enough

These drugs, they ain't enough

They ain't, baby

Only you can give me feels

These drugs, they ain't enough

These drugs, they ain't enough

They ain't, baby

Ecstasy

For more infomation >> Manga / Anime Animated, Sparkle Music Video - DEAMN - Ecstasy (SecretNc Edit ) - Duration: 4:34.

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The Alienist 1x06 Promo "Ascension" (SUB ITA) - Duration: 0:21.

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ADATA SP900 vs SP550 vs Kingston V300 SSD 📊 Comparison - Duration: 2:36.

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[Sp., Guo Jia] Ep. 3/4 - "The Long War in the North" | DYNASTY WARRIORS 8: EMPIRES - Duration: 1:09:47.

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Build Battle (CRAZY!) |The TNT Twins| - Duration: 19:31.

Quick (Laughter) OH my gosh hey guys welcome back to another video uhh.. today we will

be doing what you see back there Build Battle O.K. should we do pineapple, light, ninja,

volcano eruption volcano yeah, nooo, no not a ring, yes! ok sooo let do a out line lets

do like no do like a cobblestone ok sure ok you work on the base i'll work on the other

bits so yeah we are not that great at build battle I'm ok at it karateboy is ok at it

id say about 5% of the time we are in the top 3 about 1% of the time we win one time

we won 3 times in a row it's not that big i'll do this yeah ok you work on the top thing

and put some lava in it and also have red, white, err red, orange, and yellow wool and

place it in random spots (really fast talking) close close very close, i'm trapped in here

oh this is a good build it's legendary! ok none go to the side where it's unfinished,

we actually did a pretty good job of clearing it up yeah we should be in the top 10 this

oneeeee I'm thinking top 5 this is not really a volcano it's kinda ba though in that amount

of

time you did

that

and

then

you see

us and

we made that giant thing

For more infomation >> Build Battle (CRAZY!) |The TNT Twins| - Duration: 19:31.

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Ala Hazrat Ky Shair Par Aitraz Ka Jawab | Deobandi Vs Barelvi | Mufti Muhammad Hanif Qureshi 2018 - Duration: 4:02.

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For more infomation >> Ala Hazrat Ky Shair Par Aitraz Ka Jawab | Deobandi Vs Barelvi | Mufti Muhammad Hanif Qureshi 2018 - Duration: 4:02.

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Karnataka Expected Science 10th Exam Questions to Get 90% 1 - Duration: 2:30.

Watch my videos up the end to get full benefit

Read the description for more useful links and information

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For more infomation >> Karnataka Expected Science 10th Exam Questions to Get 90% 1 - Duration: 2:30.

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Let's Talk Health Insurance with Dr. Jacqueline Harris - Duration: 47:17.

So let's talk Dr. Harris. Tell me about Cross Care Direct, how I

can refer people to you. Tell me exactly what you do and why it's different and how all that stuff works.

So Cross Care Direct is a traditional outpatient family medicine clinic so I

do family medicine as you recognize any other family physician

(okay) so primary care visits chronic illnesses acute care prevention and just

we cover the gamut (right). We even do small-scale procedures (okay now when you say

small-scale?) Things like removing moles, taking skin tags off, small lacerations when you cut yourself we suture you up. We freeze off

warts very basic procedures that nowadays you often don't have time to

get done (right) in the primary care office you have to get referred out to

someone else (okay so do you need a referral to come to you do you handle all that?)

I'm your front face (okay) I'm as some in the medical world will call your gate

opener (okay) so I'm a gate keeper and you're gate opener (okay) and what I mean by

that is you come to me for your services without permission from anyone else (okay)

because you choose to come here and see me as your primary care physician person

(okay) you want me to look at you, evaluate your health, see everything

that's going on with you and decide do I need to go out to a specialist is that

something together that you as a patient and me as the doc can talk about and

decide what happens next (right). In addition to that what makes the model

unique because you could argue what I've described so far is...sounds like a normal doctor, right? But the key

difference in this model is the pay, the way it's paid. Everything else about it is unique

so there's a method to that madness of the name direct care or

direct primary care (okay). That means there is a direct financial relationship

between the patient and the doctor (okay) so there are no insurance companies

there are no third party people involved there's no Medicare, no Medicaid

there's no claims there's no get a bill here at the office get another bill when you get home

None of that! It's direct care meaning we have a conversation you agree to pay a

monthly or annual fee retainer (okay) to have me as your provider to have me to

have access to me to have access to my knowledge to have access to the care that I provide.

(Wow) That keeps it simple (yeah) and what people never think about is from a

doctor's perspective the beauty of that and the benefit to you as a potential

patient I don't have to decide how to take care of you based on your insurance - or your lack of insurance

I can literally say to you I'm gonna take great care of you based on the

current standards and I'm gonna take great care person B based on the

standards and I don't ever even have to know what the insurance says or does we

don't care (right) that discussion is strictly between the two of us we get to

decide what happens to your health and how to make it happen that's a very free

way to practice (right) it's a very safe way to practice (It seems like it benefits the

customer a whole lot.) Completely! You get a hundred percent attention without any

distractions without any input or anyone else everything we decide is because I

from a medical standpoint think this and you from a personal standpoint think

that (right) so we put our heads together and figure out the best way to care for

you nobody else has anything else to say about it with that said you might say

well okay I pay you this monthly or this annual fee you serve as my doctor what

happens if I do need something else something that's not covered under these

plans as it stands that's when we have a discussion once again it's a direct

discussion between the two of us and I'll say Mr. Jamison I need you to get

test A test B and oh by the way I need to send you the specialist number

one. We have a discussion about exactly what that cost (okay) no where in

medicine doesn't happen (right) that's part of the issue now (right) with the rising

costs (the surprises) surprises (yeah). There are no surprises here! You know exactly

what a test costs which by the way any test that you get done through this

office is offered at wholesale that I don't have to make profit. (I was thinking that because you don't have that middleman it's got to be cheaper in the long run.)

Significantly cheaper! I'll give you a prime example. I went to see my own physician year before last

By the time they got through doing the testing, filed it through my insurance

I received a bill where I owed $150 all right it's about five tests five lab

test I decided let me take it to my office

I'm curious based on my wholesale prices what would I've gotten those labs done

for in my office without dealing with any third party - $50! (Wow!) That's without

filing insurance that's without anybody paying anything upfront nothing it was exactly $50. (So a third) of the cost. We think

sometimes we're getting the benefit because we have the insurance but people

have to keep in mind (there's a profit there). Everybody has to make their cut (right) but if you don't have as many layers in

there (yeah) and you offer the exact cost savings you

pass it on down to the patient they realize wow that's pretty reasonable (right)

I can do that period and I'm not disturbing anybody else I'm not having

to use insurance I'm not having to go look somebody else I'm not having to

take out a second mortgage out on my house (right) you know none of that stuff

and these things get taken care here in the office and you furthermore you

know exactly what's getting done to you and why (right, because I'm talking to you) you're

talking to me and I tell you exactly why I'm recommending this this and this

(right) we talk about what potentially can happen we also the other benefit and

that goes back to not only good access but great quality of care and an open

line of communication when you leave the office if I'm recommending the

specialist and you've agreed to see that specialist we make sure before you walk

out that door we call and say what is it gonna cost if it's not gonna cost

anything here's their insurance is it okay they use the insurance there and

what is it gonna cost them so before you leave my office not depending on what somebody else

tells you (right) before you leave the office I make sure you're set if you

want me to set that appointment before you go I do that I don't send you out the

door and say "call 'em". Call Dr. So and So and get yourself in there that's our

responsibility that's what you're paying for in terms of access (that's amazing) it's a true blanket of care that we take care of

the bases (right) we schedule it all if there's something going on I have a lady

now who's having an issue with seeing one provider it's a lot easier for her

to see a provider that's closer so we're on the phone down trying to get

that patient transferred to this other physician and if it takes me getting on

the phone with that physician to explain the circumstances we will do that

because the better care for this patient is gonna be right here where she can

best be seen (right) we're gonna make sure that happens the beautiful thing about

this setting in this model I'm your physician but more important I'm your advocate (right) that's a big

deal (right) as people get lost in the healthcare system (right) my patients go

in the hospital I know exactly what happened to them I know what's going on

I'm an affiliate through Piedmont if they say I've been hospitalized I simply go in the system and pull the records (okay) I look at it

I follow that along the way there are some that I even go and visit in the hospital (right) depending on what's going on

they don't have to fear I have to actually tell my patients you do know you could've call me right? Um and that's

the other difference significant difference in this setting and another one you have access to me 24/7

and what I mean by that is in a

normal setting that doc goes home you may get an answering service you may get a

backup doc you may get a nurse bottom line is you may not most cases you will not get

your physician directly our patients here there's a private app a HIPAA

compliant app that they are able to reach me after hours if they are from

afar they may text they may send a picture they may reach out to me by

whatever means they need to and the phone doesn't ring here it doesn't ring

to my assistant it doesn't ring all over the place it reads directly to my phone

(right) so they have the access and sometimes it's just reassurance in the

middle of the night that no you don't need to go to the emergency room (right)

I'll see you in the office the next morning that's the beautiful thing about the way this

works it could be something to happen or late on a Friday afternoon

rather than wait until Monday you can call there have been

occasions I come back up here and I meet you and we deal with it I've had to

suture folks at seven o'clock nine o'clock on a Saturday evening it's whatever

the need is to keep you out of other systems that are more costly not only to you but to the healthcare system as a whole. (Now

outside of the money aspect why do why does the general public not know

about this as a whole I would say?) As a whole (yeah) I would say for two primary

reasons number one we're creatures of habit

(okay) so if someone comes along with something new and it sounds too good to

be true (right) we're like yeah right there's something not

right about this (right) so we're a little leery in terms of being able to listen

to and open up and accept that this is indeed a way that we can take care of

many of our healthcare issues (right) that's number one number two there are others

who would argue this is not a fair way to handle health care in the sense that

people still need insurance and we don't disagree with that

matter of fact we encourage our patients to take on us as their primary care

physicians because they want the best quality care but tack on a catastrophic

coverage plan (okay) so that they indeed they are covered for the times they

absolutely must end up in an emergency room and end up being hospitalized

that's a necessity for all folks our thought is why pay an arm and a leg for

that same coverage when you either A barely utilizing the services (right) or B you

really just need the attention along the lines of primary care (yeah) primary

care is inexpensive if we do our job (right right) so why are we paying for

this souped-up policy to cover primary care ER all these catastrophic issues

(yeah) when we can simply pay for a catastrophic plan tag on a Cross Care

Direct and the other primary care docs for a less expensive fee the annual cost to

us the annual expense is ultimately a lot less (right) if you do it that way but we

have a weird way of thinking about I don't know about that you know that's a typical response

(yeah) and I like to share it as it's what I tell a lot of women how many times have

you ever put on an outfit and everything about that outfit came from the same

store (right) it's the same way with healthcare (right) you're looking for the best

bargain the best quality the best look the best fit for the best price (right)

that is healthcare we have to see it the same way there's no set way of either you

have insurance or you don't and if I have insurance I'm getting good access

and great care they're not synonymous anymore (true) if you haven't noticed deductibles are going up, premiums are going up coverages are

going down (yes) well this is a good response it's not the only answer but

this is a primary response to that (right) here's a way you can say you know what

I'm not gonna be a victim to this I get what's going on and I'm gonna work

within there and make sure I have some insurance but I'm also gonna make sure I

got good quality of care I'm not gonna get lost in that shuffle of now doctors

are having to see 20 or 30 patients a day (right) and here we see 12 to 15. (That's what I was gonna ask you've got probably a

lot less patients coming through here could you give them more time.) Cause you

give them more time you give more attention and patients why not they

deserve that because what we've learned even as physicians if we're able

to dedicate more time as a whole in general often times you can find out

what the root of the problem is not just write a prescription most people

are looking for you to show that kind of attention (right) not everybody wants you

to write a pill for every little thing that goes wrong (right) but that's what you're left

doing if you don't have the time to get to the root of what the concern is and

how to deal with it in this setting we have the time to sit and talk about

alternatives the first choice is not always going to be a medication (right)

but unlike before in a traditional setting I didn't have time to sit and

talk to you about that if I'm sitting in a 15, 20 minute slot let's get to the

problem boom here's a script (and that's what it feels like when you go to the doctor) that's what it feels like

(You're in and out they got this little shuffle that they give you you go get your blood

pressure put you in the room and then bam bam bam the doctor's boom boom boom and here's your prescription

doesn't work like that (okay) doesn't ever have to work like that here (yeah) you come here and you barely see

other folks sitting here in the room with you (right) there's no

double booking folks on top of one another your slot is your slot your

time is your time it doesn't matter if you want to come in and talk about one

item or if you literally got five things you need to deal with we have the time

slot to address that and as a result you feel comforted and reassured my

doc's actually listening to what I have to say for a change and not just going

by what the book told them to tell me so that's the beauty again of this model

this model has so many benefits (sounds like it) just they're just people will

sit and go are you serious (and the name of this model is direct care) is direct

some refer to direct care (okay) it's also known nationally as direct primary care (direct

primary care okay) literally for those interested you can Google direct primary

care and you'd be amazed at what comes up in terms of the definition the number

of practices that are growing across the country doctors are fine going this is a

better way to take care of my patients there's nothing wrong with keeping up to

date with current technology current ideas what the current studies recommend

in terms of treating patients but what should never have changed is the old way

that we really reached out and took care of our patients (like the house calls) if patients have a

specific issue and there's something that won't allow them out special

circumstances you know I have some older patients that if push comes to shove and

a family can't get them here then guess what they get a house call visit that's unheard of but that's an old way and it worked very well (right) cause you'd be

amazed what we learn from each other when I come to your house (right) as opposed to here (in the atmosphere)

(so you see okay) you see a lot more and anything I'm able to see and learn about

you it helps me take better care of you

(right) that's at the end of the day the more I know about you what your desires

are your goals are in terms of your health your stressors the better job I

can do taking care of you I can literally say I bet you we can fix this

you know I have one patient that I knew part of her issue she wanted to she

wanted something very particular to happen but her family wanted her to do

this other thing and I didn't have to say a word I knew her well

enough to say you want to do XYZ don't you and she dropped her head she's like I kinda yeah cause the family

really was pushing for this other so literally because it was a different way

of caring that family was in the room that she was in the room we're sitting

here going what's a good compromise and what am i okay with in terms of your

health that you can live with and your family will be okay (right) that

doesn't happen in a traditional sense (right) there's no time for that meeting

of the minds (right) so this this is a beautiful way to do it you know we're a

lot more satisfied at the end of the day and the patient's walk away going oh my

god yeah why has it been this way for a long time (right now when you started your practice and

started that training and going towards medicine did you look towards direct

care okay so you stumbled across that how did you) fumble into it if you will (yeah) no I started

out as a traditionally employed physician for a big hospital system

uh-huh you know all bright-eyed and bushy- tailed going in thinking oh wow I got a good

salary life is good this is what I want to do is I want to be a doctor at some

point very quickly probably within the first year I started thinking oh my god this is getting a little overwhelming

but but maybe I just need to get used to it you know let me get a feel for it and

as time grew and the more I grew accustomed of what was expected the less I

liked it so I slowly in the back of my head didn't know that potentially I

might walk away had no idea what direction to go in but literally was at

a point that I said if I can't make things better and do them a little differently I

may not stay what medicine (Wow) that's how serious it had gotten for me so I started going to

various conferences and I started talking to other colleagues and as I

reached out I found the first thing I learned about was concierge medicine (alright you're throwing another one at us)

yeah so when people hear about concierge from from a layman's standpoint (okay) the one major

difference between concierge and direct care or direct primary care is the way that

they pay concierge physicians file insurance as well as have a small

percentage of their patients that have pulled over to the concierge side (okay)

so the concierge aspect of their practice is direct care (okay) but they

pay the patients have to pay more for concierge because those doctors are also

seeing their traditional insurance (so it's kind of a hybrid model) it's kind of a

hybrid model so when you hear concierge and direct care that's gonna be your difference (okay) the

other thing you should automatically think when you hear those two terms is

concierge is automatically on average around the country gonna run you

anywhere from 1,500 to 2,000 dollars a year (okay) that's on average most direct

primary care practices will run you approximately seven eight hundred

dollars a year so significant difference in cost and the reason is direct care

docs don't have to worry about pulling finances through the insured patient

right because they don't use insurance anymore

(so obviously their overhead is down they don't have a biller & coder) exactly (their staff isn't dealing with claims all day long) that's why more people

are paying attention (okay) cause they're thinking in this effort to get health care cost down why not go

with a leaner system and that's what this presents this presents leanness

and this presents transparency (right) so in doing that what you're able to drive

those costs down if we keep things very transparent so when I've said all that

going back to that was the first model I learned about outside the traditional setting so

there that trickled on down I learned a little bit more about hybrid the real

hybrid because true hybrids are DPC plus insured like they still offer that true

cost but they have even fewer of these insurance (so the ratio is different they got

more DPC's) and that's because of the financing of it all so and then finally there's direct primary care who says we're just

not going to deal with any of the insurance policies at all with the

notion that we want our patients to have some insurance coverage because you do need

it in place for when you really need it in place (right) so bottom line is

what was funny about the whole development is I ended up I remember

when I first left residency and one of my attendings very wise gentleman he'd

say you've got to figure out what you wanna do when this is over and you're looking at him thinking I wanna be a doctor what are you talking about the first job you have we're thinking

this is what I wanna do (yeah right that's why I'm here) he goes

no 75% of you when you leave here you're not gonna keep the first job you have

and we're thinking yeah right you know we're gonna get out get these great jobs is gonna keep them and he

proceeded to tell us about different things other alum had done when they left the program well one of the alum

as I later find out is one of the gurus of direct primary care he was one of those who went out did it before it was

okay and he stepped out and I remember this attending telling me the story

about this gentleman and I went who in the world does that (right) you can't make any money doing that down the

road as I began to attend all these conferences I keep running into this one

gentleman and I listen to where he came from I think that's the alumni that's

the gentleman "right" so sure enough anyway bottom line is he now serves as a mentor

to me (okay) we ended up talking communicating and he says yeah I did it

16 years ago I've never looked back in then he said and here's why and he tells a

very similar story to what I told you earlier in terms of I don't have any

distractions in terms of my patients doesn't matter what status they are when

they come in they all get the exact same care (right) and that's the way medicine

should be (right) he says that's how I know I've been doing this thing right

and and that resonated with me as in that's it (right) that's my out and so as

a result I prepared myself to leave that traditional setting did as much research

as I possibly could and decided you know we're gonna step out on faith

and we're gonna try this (right) and see what happens here and here is Cross Care Direct (yeah) hence the name came from I literally I

will kid you across the street at the light (okay) and the name I wanted I'd

already checked with the state and the name was taken (okay) and I said man I was all hype had my name all down

so yeah yeah that's gonna be perfect and they disappointed me and so I

sat at the traffic light there one morning and I was like Lord I don't know what to name this practice

may name ain't there and I they don't have it and then it hit me he said at the cross

you're at the cross Cross and Care

why not (yeah) and that's how and the direct so you know it's a cause again my mentor put on the direct part because

his thought was I feel that direct primary care it's a movement (it sounds like it) that you have to

embrace (yeah) if we're gonna make some improvements in the health care system

it's not it's not the you know the answer to all but it is a very clear

part of what the solution is going to be about and that's transparency and that's

access and that's the reassurance that hey I have a doctor that truly cares

about what I am and not what I bring to the table (right) and that's the best way

to describe how this model works (that's amazing that's amazing) I'm telling you

it warms my heart everyday it's like yesss this is the way it was supposed to work

(and unfortunately I'm sure the insurance companies don't like it) yeah they don't (it cuts their margin I mean they still get the

the tragic care) yes (but they probably make their money I'm

sure off the little doctor's visits) and the way we're tying to appeal to them as a group is ultimately don't look at is we're cutting into your first your first

line look at how much savings we have on the bottom right and what we're gonna

do because these patients can get to us so readily and so easily we're keeping

them out of those emergency rooms where the costs are much more for those insurance companies we're keeping them out of

the hospitals cuz you're gonna pay more for that so it's very hard obviously to

change that mindset (yeah) but that's how we're trying to appeal to them we're not

trying to replace you we never could we can't afford to do it that's not what we

do but we are we think complimentary to insurance and we are part of that

problem to put insurance on board with us gives patients the best access the

top quality the most cost effective way to have great primary care plus

coverage when they really need it so that's how we're it's been a

challenge but that's how we're trying to appeal (right) to the insurance companies

as well as employers many of these employers who same thing they

look just like the individual person and go what in the world is that (yeah) how can I

be assured that you are gonna offer my employees good quality health care I

don't know what this is I don't even know what this is about (right) so we

currently have some efforts of working on a bigger scale with brokers and some

others who are willing to service in terms of volume as opposed to

saying my commission is going to come off of me something that bigger more

expensive plan we want them to get into the interest of their who they serve the

employers that are coming to them saying create me build me a good plan (right)

something that I know I can rest assured folks (my employees are going to be take care of)

right and the cost of insuring employees is growing so employers are

looking for other ways (always, every year) so we're trying to reach out and say brokers hey

we're here guys learn about us research about us a little bit

(right) this is a good way to build a plan for your employers (right) um there are

some areas of the country where they're putting this together where employers

have huge cost savings because they decided to say and they "what is that agin"

let's try that let's give that a shot one year and they can't believe

the cost savings to the company and their employees are more than satisfied

they're like hmm we've been recently been to a conference

where they talk about there's a hospital system that jumped on board (Wow) that

said you know we kept looking at that and we kept thinking how are they doing

that and they decided to do a pilot one year with the employee with what a

certain percentage of the employees and they're like now everybody we're

changing everybody over (right) there's no point in paying all this money when our

employees are more than satisfied with going through direct primary care for

their primary care services (right) as long as we're providing them with

catastrophic coverage through traditional insurance (right) they're like

and it's a huge cost savings to the hospital system (right) all right but people think

it's too good to be true you know there's nothing too good to be true but

it's very simple and very basic we we don't have to put all these extras and

put that low fluff on it it's a very simple way of doing business it's a very

simple way of providing health care and most important it brings

transparency back to the table that's where your that's where that's where

we're gonna make that difference it's one of a few industries where

transparency is almost taboo (yeah) that just doesn't make sense I mean not when people are losing their homes

(not when I'm dealing with my health) and people are losing their homes because catastrophically they don't know they thinking they're

walking out with a thousand bill and they end up with a ten thousand dollar bill you know it's so unnecessary

(right) this is so easy in terms of how to handle that (now you mentioned

something that was pretty interesting about them the employer and the plans

obviously there's no network there's no PCP or you know so how does

in that situation how does an employer give their employees a list of people do

they send them to a website is there a central location we're all direct care physicians are located?) so that's in the works there are

some listings like that and many of them come from DPC.org direct primary

care journal access health has a list of DPC's across

the country there are a number of them where you can go directly and it will

give you a list of the right primary care physicians in the country (okay) one

of the things that's happening with this movement is in various segments of the

country we're coming together as DPC docs saying let's form these

alliances and we're having a discussion about what if we were to come

together we each keep our own practices with our own separate names but we serve

as an alliance so that if an employer is looking to see how many places or how

many physicians will be available for my employees where can they go (right) and if

we settle this alliance in along the terms of we all are going to be offering

this standard of care this level of services then that that employer will

comfortably be able to say yeah I'm gonna go with the right primary care

with Dr. Harris with the reassurance that I can go and see Dr. XYZ down in

Savannah and receive the same level of care (right) that's what's being

worked on now in various regions of the country and that

seems to be expanding very well right now in the Midwest and the Northwest (okay)

so we're working on it here in Georgia as well as some of the surrounding

states (right) but that's in the works that's in the making but if it's someone

that says now I'm looking I'm really curious to do this now because I will

tell you most of us provide corporate rates so it's more than reasonable if

you're sending X number of employees over to get them covered for a fraction

of the cost tag on a catastrophic plan so those

employees are covered and it's huge cost savings to the employer (right) you could

do that now literally by going to some of those websites and hey direct primary

care doctors Google you can just google that even and there are multiple

listings that come up there are several companies one right here in metro

Atlanta that has a list of the direct primary offices across the state so there are

a number of resources to do that but again most employers are reluctant to try and

see through this hence the reason we need to get the brokers onboard so that

they're able to best describe what they get because you want to make sure you're

comparing apples and apples whenever you're looking at policies for your

employees (right) so again that's part of this movement of let's get them in the

conversation let's get them to the table and that's already started (okay) in terms

of let's get them to understand why this is beneficial and don't look at it from

the fact that yes maybe I sell a plan that's less expensive and my

commission is less but look at it from the standpoint but I'm gonna sell more

of those plans (it's going to be about volume) because the person you're serving right it's gonna be a volume issue

but again as we know changing those habits (right) that mindset is gonna take some time so that's where we are in that process (okay)

(then finally as you were talking I thought of one other thing somebody who's coming up and thinking about being a

doctor or somebody's going through residency or even a child who's saying I

want to be a doctor when I grow up (okay) how what would you recommend the route

that they take to get to where you are now should they go to regular route like

you went through residency and then going through you

know working for a big you know company or can you they jump right into the

direct care? What's the trajectory you recommend they take?) And so I will say

my journey's a little different this is a second career for me (okay) I left the US Postal Service (okay) to become a physician

a little non-traditional (okay) and so with that said it takes all kinds

there is no specific path to follow the obvious the younger you are you follow

that path to A to determine do I really want to do medicine that's the biggest

deal you know because in the end of the day going through college finishing

college going through X number of years of medical school and then going through X

number more years of training as a resident that is not something you're

gonna want to do on a whim and you will not stick with it if your heart is not

truly into it it is not your calling forget it you will quit on a drop of a

dime (right) they have too many mechanisms in place to weed out so with

that said obviously the younger up you go you follow up get yourself into

college decide what you want to major on and keep in mind you don't have to be a

science major you know I've met many colleagues that have majored in a

number of other things way off the beaten path but decided they wanted to go to

medical school so they made sure they had the additional course work which

will prerequisites and get into medical school so already be prepared for four

years of college already be prepared for four years of medical school there's no

getting around that what you decide to do after that obviously depends on what

you grow an attraction to in medical school (okay) in terms of the specialty

(okay so I will tell you that's where most doctors kind of figure out) right they

figure it out and that's because during the latter few years of the medical

school you're spending more time in clinics and hospitals getting a taste of

almost everything that there is out there (okay) that's where you develop that

that love or not so much love for certain specialties at that point you

have a couple of options you can say you know what I'm gonna follow the

traditional path I'm gonna get in get into residency and get out and take a

standard job with a hospital systems excuse me that's where the vast majority

of doctors do young doctors that's the course they normally follow I will tell

you that is slowly kind of changing a little bit as was represented in a

meeting I was just in a meeting full of Georgia direct primary care docs two

and a half weeks ago one young lady just finished residency and she said I don't

think I can do it (yeah) she immediately says I've been researching direct care I

think that's where I want to go but I'm a little afraid I don't know how this is

gonna work another one is in residency and will not

finish until June she's already decided that she's already putting together her

practice she has decided I want to follow the path where I go directly into

it I will tell you that it is a harder road to follow because you're coming in

from scratch you're brand new you already putting the burden of hey I've

gotta make this work on my own you've invested a lot of you into it and you're

hoping that with the help of your colleagues that you make this successful

so that's probably the road less traveled it doesn't mean it's not

possible the more typical way to do it is to go out accept the position whether

it's through an employee at a hospital system or as I've recommended to

somebody recently come out and do what's called locum and locum is basically

temporary doc so you're not committed to anybody for any extended period it pays

very well it is depending on your home setting as

to whether or not you need certain benefits cause they typically don't come with benefits so that has to be calculated into what you're gonna make

(that's why they pay more) that's why they pay more it pays better because you gotta go get your own coverage you gotta go get most places your own malpractice you gotta get all these other things

(okay) that's a great way to go though because what it does it gives you an

opportunity to explore all the different ways that they aren't to do what you do

and so you could agree that I'm gonna take a job in a standard outpatient

clinic nope I'm gonna take a job in a hospital setting nop I'm gonna take a job

maybe even through another DPC doc that temporarily needs somebody (okay)

nope I'm gonna take a job in an urgent care nope I'm gonna take a job up in

Timbuktu Alaska it lets you explore so that you get to see without any

long-term commitment what's out there what will work for you and what

absolutely is not a part of your DNA that's a great way to start if you

really are afraid to commit to any one thing (right) and with that said you do

that for as long as you feel comfortable doing that you do whatever research you

need to to figure out what direction to go in and then you pull the trigger

and say I'm gonna go direct primary care or no I really see how this works now

I'm gonna go into the traditional setting so it just depends on how it

goes I will tell you now a large number of the younger physicians coming out are

very dissatisfied and it has a lot to do with the fact that non-medical folks

the bean counters if you will are dictating how you see patients how long

you see patients and what you can see them for (right) and most of us will tell

you we did not go to medical school for that (yeah) and so it's very frustrating

they feel that their care is inept they're not having the time they would

like to have with these patients just as I've described to you earlier they don't

have that there in 15 or 20 minutes time slots keep in mind it's already

taking 5 or 6 minutes to get the person to the back to get the vital signs so

(so that's part of the 15?) that's part of the 15 -20 minutes so now sometimes you're left with

between 8 to 10 minutes to actually discuss an issue with your patient hence

the reason when you go to your doctor's office oftentimes they'll tell you all

right son we're gonna talk about one issue two if you lucky because they've

got to get you in and out cuz there's a whole waiting room of people that's got

to be seen and remember their incentive is the more of these I see the more I

make or the company's incentive the more of these you see the more I make versus

when you come here the money's already been paid through your monthly or in

your annual stipend so it doesn't matter if it's 1 issue versus 10 (right) it's

to my benefit to keep you healthy keep you out of here so that you don't have

to have any specific issues and it doesn't affect my bottom line one way

the other (right) that's that's one of the things that's critical and docs newer

docs are getting smarter and wiser about they're looking at what what's

gonna be the demand what's gonna be the pressures if I do it this way versus

this way don't get me wrong going into direct primary care comes

with risk (right) because you literally probably started from the

ground up there's a handful of us that were able to break away and take

patients with you I wasn't one of them I had a non-compete clause and most

doctors do (right) so you literally started from scratch you're starting on

that faith that okay I'm gonna be able to convince folks hey this is an ideal

way of doing it with the notion that they understand this is unique so they're

gonna look at you as though you have that third eye (right) but it's up to you

to sell who you are and it's up to the patients who will serve as personal

testimonies when they experience what goes on here in this office and the way

in which is handled they truly are the best in terms of word of mouth they will

go back and say oh yeah I'll never to back (yeah) yeah not at all. I had a patient not long ago he became eligible for Medicare

he said doc do I have to he literally did not want to leave the system (right)

and we explained to him no you don't have to leave

you can still utilize Medicare just not in the office but when I send you out

somewhere else if I need to send you to a specialist or you need to go get your

x-ray you can use your Medicare that's perfectly ok you just don't need to here we get to do what we

need to do here (right) and you can feel reassured that we're taking the best

care of you (right) and that's all most docs want even the newer docs coming out they're

looking for a way to satisfy that desire to help folks and unfortunately the

current system the way it keeps pushing you through the way it keeps demanding

that you enter metrics into the computer while the patient sitting there yeah (I was wondering why they're sitting there) instead of talking

(or you're talking to their back) talking to their back it's the demands of the way the

current system sits this allows them to get away from that and they really truly

feel like they're back to practicing medicine so there's no set way for

anyone to follow this path you have to sort of find your own way there are

certain standards that have to happen college degree, medical school, residency those are a must (so you gotta go those routes?)

you gotta go those routes and it'll vary depending on how you do it in terms of how many years but

college likely is gonna be four for most people med school is gonna be four for

most people unless they're adding on a master's degree very popular now is to

do a five-year program where you get your medical school degree as well as

either the MPA or MPH (okay) and then those you're not getting past and then

residency would vary anywhere from three years sometimes up to seven to ten years

depending on the specialty so that those three those three sessions you

cannot skip that's just that's the law yeah that is the required training

(and as a customer I feel good as a patient) exactly! knowing that I have that many years behind all of this

so yeah and so what they decided the end of all of that is what dictates whether

they decide to go directly into direct primary care (right) or tread those waters

carefully an go with a traditional setting or go out here on this locums

path but they sort of get to taste and feel a little bit of everything without

the benefits of some of the the perks that come with that (right) so there are

multiple ways to accomplish that and then at the end they have to sort of

figure out how they want to do it I will tell you again especially having had

that recent meeting with the Georgia DPC docs they followed a number of

different paths there were again I told you one in the room that just finished

residency one still not done most of us have been in a profession for a few

years I will tell you most of my colleagues have been out there at least

10 years (okay) I was one of the newer ones in the room I had only been out

there three years when I said that's it I can't do it anymore so it really does depend on how you kind

of get to that point others had other types of practices and

they broke away some formed urgent cares and then decided that wasn't quite it and

kind of moved on over there are a number of pathways to get there but it's all

about deciding what you as a provider are comfortable doing and what level of care

do you want to offer to your patient (right) if you're okay don't get me wrong

if you're okay seeing the 23, 25 patients a day and you're able to get through

it comfortably and your mind is all right and life is good you do it there's a place

for everybody but for a lot of a lot of a lot of new docs

especially the newer docs you know they want their lives they want happiness in

terms of their personal lives they've committed a lot of years to that

training (right) they don't wanna have to spend a whole bunch more years

struggling (right) in terms of not being happy with their career choices (yeah)

(Well you have absolutely blown my mind on how this whole system works I mean I had no idea

even in our weekly meetings) yeah (you give us some nuggets every week it's still not

encompassing every that we just talked about that that is

absolutely amazing) and that's why you hear in some of those meetings some of

them even though I talk about very real illnesses and conditions and how I

handle them but you notice that it's somewhat unorthadox

about a lot of the ways that I handle some of the things that I do (yeah)

because this setting provides that (right) I'm able to actually go through and do that yeah you missed the one last week where I don't remember you might

have been known if you missed it the first time I did the plate (yes yes) I redid it

(okay) but last week I redid it in terms of the different diets people like

to try and so (okay okay I gotcha) each person got a diet and you had to lay out

what your diet would be and what kinda food you would eat and

I did all that to prove the point of here again this is a

traditional segment that a patient may have it's a very real session that a

patient will come in and say look doc I don't know what to do in a traditional setting no doctor is gonna

have that time to sit down and sort of walk through that process (and almost

meal plan with you) and forget a meal plan they're gonna refer you to a nutritionist they're

gonna tell you go see your personal trainer or whoever at the gym and that's gonna be your set of

generic instructions versus this is one very real of

I know exactly what your health issues are I know what your goals are I know what your

concerns are we can go through maybe three or four of those top diets that

you're considering and tell you why I think this one's better or this is worse

there's time in that setting something very unique that you don't get in the

standard setting (right) who does that what the doctor (yeah)

so that that's what makes this you you hear the snippets but the snippet is

all derived from very real cases of folks that come through and the manner

in which we're able to handle them the creativity that we can use to get people

to understand what works for them (right) you don't get you know my one you know

my one bill fits all you know speech because you're very unique and person

so and so is very unique and they like that we reach out to them and we

meet them where they are (right) so it works wonderfully and we tend to get

much better responses because of that they don't feel I ran them out yeah go

lose some weight go exercise you know same old (inaudible) cut down on your fat cut down on your sugar

(yeah) those are generic statements (right) now because if you were me and I was the

patient I need you to tell me how (right) you know that's I feel better if you

explain to me how and maybe you even come back to me and say I can't do that

and that's very real I need to know that so we can figure out what can you do

(right) here's how we're gonna get you where you need to be so here's what you

can do I had one patient who said I'm not

giving up rice she didn't care what I tell her (yeah yeah) she's not giving up rice and (then you could

adjust it) I can adjust accordingly instead of sending her out saying get rid of the starches not

knowing she was never gonna give up rice "right" so it makes a huge difference (that sense of defeat that hey I couldn't

accomplish it now just throw in the towel) and here I am I'm a doctor

frustrated because you didn't listen to what I told you in those two minutes

(right) so (right right) yeah exactly so that's that's the beauty of what this is

and the reason I'm able to give those little tidbits about how this works and

why it works are very well yeah yeah (any any anything else that we should know

about direct care and if not wrap it up and tell us about you you know your

practice how we get in touch with you how we how you set an appointment how

you get information about getting on a plan you know bring all that to a

close) so in terms of just anything else I recommend I highly encourage you to go

research the model it doesn't have to be Cross Care Direct right now I want you to

research the model because I like informed patients I want patients

informed so you can decide what's the best way to put something together to

cover healthcare or health services for both you and your family so that's first

and foremost research the model online just Google direct care or direct

primary care the other thing I recommend obviously go to our website which is www.crosscaredirect.com

on that website it gives you an idea of how we got here a little bit of the background that we talked about today

how I came to the conclusion that this is a very good way to care for you

it also gives you an idea of deciding whether or not this is a potentially good model for you

and your family in addition it lists the plans that are there the cost of what

those plans are and a generic overview of what's covered under

those plans if there are additional questions almost always call the office here the

office supervisor's Chanell that's the other beautiful thing there's not a lot

of turnover in the office so you get to know the two people that work here in

this office so you can literally call her and ask her any questions and no

question is stupid it's whatever hey how does this work

wait a minute do I get to pay this so you can pick up the phone very easily

the other offer we have for any potential patient is anyone is entitled

to a free 15 minute consultation so you can literally come in call schedule

whatever the case may be to the office and say I don't know much about this better

yet I don't even know how I'm gonna like Dr. Harris (right) you can come

in for 15 to 20 minutes and we sit down and we go over whatever's wrong with you

whatever your concerns are whatever your goals are and you get a feel for once

you see the place you visit it you get to decide whether this is a good fit for

you and your family potentially and very easily you can always reach out to us

we're here in Tyrone 56 Carriage Oaks Drive Tyrone 30290. And again you can

call us at 678-827-9799 and we'll

gladly answer any questions that you have. (Awesome! Great information today

thank you very much Dr. Harris for sharing the model sharing you sharing Cross Care

Direct. I hope you guys got some real good information I hope you come see Dr.

Harris because this is a wonderful model and the office is beautiful so

come see Dr. Harris Cross Care Direct take a look at the comments I'll

have some links to her website address and everything like that) so make yourself at home find a new family {laughter}

(Thanks again Dr. Harris. Do you have a little motto or anything that you'd like to share about Cross Care Direct? Something that)

yeah, you know keep in

in mind when you look at us again WE FOCUS ON YOUR CARE, NOT YOUR COVERAGE

that's the most important aspect of Cross Care Direct (there you have it Dr. Harris

Cross Care Direct. Thank you very much. Appreciated {applause}

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