Connect with us

Minnesota

Ramstad: The Minnesota doctor’s offices where you don’t need insurance

Published

on

Ramstad: The Minnesota doctor’s offices where you don’t need insurance


With a client base of 500 to 600, a fraction of the 2,000 to 3,000 they might see in a major health system, a DPC doctor charging an average monthly per person fee of $80 would generate around $500,000 in annual revenue. That would well cover the average salary for a family doctor, which is about $225,000 nationwide, and leave room to pay for other expenses, perhaps an office administrator and part-time nurse.

For patients, the calculation can be more complex. Slings and Vang told me most of their patients maintain insurance to cover emergencies or the prospect of hospitalization. Some turn to health shares, many of which are organized by faith organizations and serve as pools of funds designed to cover catastrophic care for their members.

If the deductible on your medical coverage is high, like mine, then taking on the additional fees of going to a DPC doctor represents a gamble.

It will pay off if you wind up visiting the doctor two or three times in a year on top of a physical. That’s because for most single adults with a high deductible policy, a physical is usually covered but each additional visit can be several hundred dollars, costs paid out of pocket until reaching the deductible of $2,000 or $3,000 or more. Cumulatively, those out of pocket costs could exceed the annual cost of a DPC doctor.

Advertisement

For a couple or family, it seems to me there’s a greater likelihood of needing a doctor multiple times before reaching the deductible, even if that threshold is higher than for a single person.

Of course, even if it costs extra, some people may feel it’s worthwhile to have more time and quicker access with a doctor. If direct primary care proliferates, new types of insurance may form around it.



Source link

Continue Reading
Advertisement
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Minnesota

Preview: Wild vs. Oilers | Minnesota Wild

Published

on

Preview: Wild vs. Oilers | Minnesota Wild


Last Season on Wild vs. Flames

Minnesota went 2-1-0 against Calgary.

Minnesota won the series-opening contest, 5-2, at Scotiabank Saddledome (12/5), earned a 3-2 shootout victory at Xcel Energy Center in the second matchup (12/14) and fell to the Flames, 3-1, in the series finale in St. Paul (1/2).

LW Matt Boldy led the Wild with four points (3-1=4). C Marco Rossi (1-2=3) had three points and LW Marcus Johansson (0-2=2) had two points. G Filip Gustavsson went 2-0-0 with a 1.92 GAA and a .940 SV% in two starts. G Marc-Andre Fleury was 0-1-0, stopping 30-of-32 shots in the third meeting.

D MacKenzie Weeger led Calgary with four points (0-4=4). LW Yegor Sharangovich had three points (1-2=3). G Dan Vladar went 0-1-1 with a 3.47 GAA and a .896 SV% in two starts. G Jacob Markstrom won his lone start, stopping 28-of-29 shots faced. G Dustin Wolf entered in the second period of the first contest and stopped 11-of-13 shots faced for Calgary.

Advertisement



Source link

Continue Reading

Minnesota

Penn State Vs. Minnesota: Keys to the Game

Published

on

Penn State Vs. Minnesota: Keys to the Game


Penn State is entering its penultimate game of the 2024 regular season, a final away matchup at Minnesota to face P.J. Fleck’s Golden Gophers. Minnesota (6-4) stands in the way of a potential 11-1 finish for the Nittany Lions. And while Fleck’s squad is unranked and a 12-point underdog, according to DraftKings, it has enough talent to cause fits for Penn State.

The Nittany Lions (9-1) have excelled this season when favored to win, avoiding letdowns against unranked opponents. A 33-30 overtime victory over USC is the closest call that James Franklin’s group has had. To maintain that success, Penn State will need some strong execution against a rested and well-prepared Minnesota squad.

Penn State vs. Minnesota predictions

Protecting the ball

Minnesota’s defense feasts on turnovers. While they’ve mostly come through 16 interceptions, the Golden Gophers also have forced seven fumbles, recovering four. Ball security, of course, is key in every game but will become especially important for Penn State when facing an opportunistic defense that tends to end up with the ball one way or another. 

Advertisement

“They do have some ball hawks in their secondary, but they make plays when the plays come to them,” Penn State quarterback Drew Allar said. “I can’t just give them opportunities, because they’ll capitalize on it. And you know, a decent amount of their picks have actually been forced by their D-line, whether it’s like, a tipped pass that just falls into a linebacker or the quarterback getting hit and the ball … just finds a way to their hands.”

One mistake from Allar or Beau Pribula through the air could easily become a wasted possession for Penn State. With the Nittany Lions ranked fourth in the latest College Football Playoff rankings, they can’t afford to give Minnesota’s offense extra scoring chances and find fuel for a potential home upset. The turnover battle could wind up telling the story of Saturday’s game, especially if it happens to swing in Minnesota’s favor.

“We’ve always preached about ball security, no matter what, who we’re going against, and it’s definitely a talking point for us every week, so we’re going to take great pride in that,” Allar said. “Obviously, with a team like this, the way they’re built, they’re similar to us in the fact that they want to control the ball and they want to force turnovers. So we’re just going to have to be disciplined and stick to our game plan.”

An efficient offensive ground game

Going back to its success in favorable matchups, Penn State is 66-3 against unranked teams since 2016, when factoring out the 2020 season. For as much criticism as Franklin and the Nittany Lions faced for losing to Ohio State a few weeks ago, and for losses against other top-5 opponents in past seasons, they almost always take care of business when they’re “supposed” to win. And one key in avoiding potential upsets is keeping the opposing team’s offense off the field.

Advertisement

Against unranked, but certainly capable opponents in West Virginia, USC, Wisconsin and Washington, running backs Nicholas Singleton and Kaytron Allen racked up a combined 494 rushing yards on 99 attempts, nearly 5 yards per carry. As Penn State faces a similar opponent this week, controlling the clock and letting two of the top backs in the Big Ten go to work can help the Nittany Lions diminish any momentum Minnesota finds.

With Fleck’s secondary also being one of the conference’s best, Penn State would be wise to avoid risking any big-shot throws and attack the defense where it’s most vulnerable. The Golden Gophers allow 119.8 rushing yards per game — and in each of its conference losses to Iowa, Michigan and Rutgers, Minnesota allowed at least 109 rushing yards. 

“I would say where we need to get better at is just being able to strain a little bit more in the run game, and get more finishes and more movement against teams to create more running lanes for Nick [Singleton] and Kaytron [Allen],” offensive lineman Anthony Donkoh said Wednesday. “I feel like going into [practice] and going into this game, we’re going to have a really good plan to be able to combat [Minnesota’s takeaways].”

Andy Kotelnicki brings his Minnesota roots to Penn State’s offense

Make Darius Taylor’s day a rough one

Minnesota starting back Darius Taylor has three games this season with at least 120 rushing yards. Minnesota won each game, including a 25-17 victory over ranked Illinois. In the Golden Gophers’ three conference losses, Taylor managed just 32.7 rushing yards per game and ran for 3.0 yards per carry. 

Advertisement

Taylor adds some complexity as a strong receiving back (312 receiving yards), but when he’s running well out of the backfield, Minnesota’s offense has clicked much more. Quarterback Max Brosmer, completing 67.1 percent of his passes this season, is also at his best when he has a strong ground game to lean on, focusing on his efficiency and avoiding turnovers rather than having to do the heavy lifting offensively.

In 2022, Penn State successfully slowed Minnesota quarterback Athan Kaliakmanis in a blowout win. But when the Golden Gophers pulled off a 31-26 upset in 2019, the Nittany Lions’ defense let quarterback Tanner Morgan do whatever he wanted, racking up 339 yards and three touchdowns on 18-for-20 passing. That type of production from Brosmer would be disastrous this time around. But should the Nittany Lions handle Taylor and Minnesota’s run game well, containing the Golden Gophers’ senior quarterback should become simpler.

“[Brosmer] I think is playing really well. … In the last three or four games he’s done a really good job of protecting the football. Their running back, No. 1, Darius Taylor, is a big back and has been playing really well for the last two years,” Franklin said. “… We’re going to have to go and play well to find a way to get a win on the road here in the Big Ten.”

The Nittany Lions will take on Minnesota at 3:30 p.m. ET Saturday on CBS.

More Penn State Football

Is Penn State’s defense getting overlooked this season?

Advertisement

For James Franklin, another pivotal moment at Minnesota

James Franklin weighs in on the Big Ten, SEC and the College Football Playoff

Daniel Mader, a May 2024 graduate of Penn State, is an Editorial Intern with The Sporting News. As a student journalist with The Daily Collegian, he served as a sports editor and covered Nittany Lions women’s basketball, men’s volleyball and more. He has also covered Penn State football for NBC Sports and the Pittsburgh Post-Gazette, with additional work in the Centre Daily Times, Lancaster Online and more. Follow him on X @DanielMader_    or Instagram @dmadersports





Source link

Advertisement
Continue Reading

Minnesota

In a Minnesota Hotel Room, Suitcases Full of Lululemon

Published

on

In a Minnesota Hotel Room, Suitcases Full of Lululemon


An East Coast couple arrested for alleged theft at a Lululemon store in Minnesota are now at the center of a probe into a wider $1 million crime spree in multiple states. The Star Tribune reports that 44-year-old Jadion Richards and 45-year-old Akwele Lawes-Richards of Danbury, Connecticut, were detained on Nov. 14 and charged a day later in Ramsey County with organized retail theft, tied to crimes that took place over the past two months. According to a criminal complaint, the couple had been stopped at a Lululemon store in Roseville on that Wednesday when they tried to exit the women’s athletic wear store and set off security alarms, per USA Today. Richards is said to have complained that he’d been racially profiled, and employees reportedly let the pair leave.

“The couple later commit[ed] fraudulent returns with the stolen items at different Lululemon stores,” police say, which led to their arrest at the Lululemon store in Woodbury, per the Kansas City Star. A retail fraud investigator later claimed that the two had been at the same store the day before, on Nov. 13, and lifted nearly four dozen items, with a combined value of nearly $5,000. They were alleged to have committed four other thefts that same day, including in Minneapolis. The couple denied involvement in any thefts, but with a search warrant issued after their arrest, police found 12 suitcases in their Marriott hotel room in Bloomington, a quarter of them stuffed with tagged Lululemon clothing, worth more than $50,000.

Advertisement

The investigator estimates the two stole about $1 million in total since September from Lululemon stores not only in Minnesota, but also in Colorado, Utah, New York, and their home state. Among the tactics the two are accused of using in their thefts, per the criminal complaint: having one of them distract staffers while the other shoved Lululemon products into whatever they were wearing. They also allegedly would have one of them set off the security alarm by trying to walk out with a relatively inexpensive item, while the other would sail out the door with more expensive items while store security was dealing with the first incident. Bail for Richards is set at $100,000, while Lawes-Richards’ is set at $30,000. Hearings for the two are scheduled for Dec. 16. (More Lululemon stories.)





Source link

Continue Reading

Trending