Dr. Michael Ciampi of Bangor, Maine stopped taking insurance last year. Now, along with the fee-for-service practice model, he has added a subscription option. A monthly fee covers all office visits from physicals to diagnostic testing to minor in-office procedures. Roxanne Pettigrow is uninsured because Obamacare is too expensive. She loves the personalized and quality care she gets with Dr. Ciampi. There are no co-pays and no deductibles to worry about. Dr. Ciampi is among a growing number of physicians who are opting out of insurance plans. This direct pay method gives patients a better value for their money. Physicians also like it because they can spend more time with patients and free themselves from all the insurance paperwork. Dr. Ciampi believes more doctors will pick up this new model to provide quality care to their patients at affordable prices.