but owner jody stubler will tell you something is different here.t this clinic, is there a doctor overseeing you? >> no. here in utah, nurse practitioners do not need the oversight of a physician. >> reporter: a registered nurse for 25 years, she went back to school to become a nurse practitioner. she cashed in her 401(k) to open this primary care clinic in march, largely treating problems like colds, flu and ear infections. she also writes prescriptions and does stitches and small x-rays. stubler charges less than most clinics and already has more than 180 patients like amy. many don't have insurance. without this clinic -- >> i would have gone to the e.r. and had to figure out the payments eventually. >> reporter: experts predict the u.s. will have a shortage of more than 31,000 primary care physicians by 2025 and some feel nurse jody's clinic is the model that can help fill the gap. but 29 states prevent nurse practitioners from practicing with complete independence from a doctor. >> the answer to a shortage of one profession is not creating more