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About 26,000 Ford vehicles are being recalled with three different safety concerns announced this week.The first one is for certain 2016-2020 Lincoln MKX and Nautilus vehicles with 16-way power seats. The issue is with the wiring of the seat harness and how close they are to the seat cushion pan. If certain wires are damaged from coming into contact with the seat cushion frame, Ford says the airbag system may not perform as intended.People with impacted models can go to a dealer to have them install flocking tape and check the wires.The second recall is for the newest model of F-650 and F-750 trucks. The vehicles are missing certain thermal protection components intended to reduce the interior cabin floor and seat attachment temperatures in hot conditions.The third recall affects less than 100 of the 2020 Ford Escape and Transit vehicles. The airbag may not inflate properly. People are encouraged to take their vehicle to a Ford dealer to have the airbag checked.Ford is not aware of any injuries from any of these safety concerns. 1052
ALPINE, Calif. (KGTV) -- The woman authorities say was shot and killed in an Alpine neighborhood Saturday has been identified. According to the San Diego County Sheriff’s Department, Melanie Benitez, 27, was shot on the 2800 block of North Victoria Drive around 2 p.m. The department also identified the suspect in the case as Paul Paraschak, 42. Deputies say Benitez and Paraschak were dating and lived together in Alpine. An area resident heard a scream and called 911 around 2 p.m. Saturday. RELATED: Woman shot and killed in quiet Alpine neighborhoodBenitez’s body was found in the passenger seat of a car in front of a neighbor’s driveway. Deputies detained Paraschak on foot about a half mile away with two hand guns, said Lt. Rich Williams, San Diego County Sheriff's Homicide Unit.Paraschak was arrested for one count of murder and booked into the San Diego Central Jail, where he is being held without bail. 924
About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage, the private insurance alternative to traditional Medicare. It’s not hard to see why: Medicare Advantage plans often cover stuff that Medicare doesn’t, and most people don’t pay extra for it.But Medicare Advantage can be more expensive if you get sick because copays and other costs can be higher, says Katy Votava, president of Goodcare.com, a health care consultant for financial advisors and consumers.Unhappy customers who want to switch back to traditional Medicare may find they no longer qualify for the supplemental policies to help pay their medical bills, or that they would face prohibitively high premiums.“These are complicated products,” says Votava, author of “Making the Most of Medicare.” “They’re like nothing else, no other insurance that people encounter anywhere until they get to Medicare.”Medicare’s alphabet soupThe first hurdle many people face when deciding about Medicare coverage is simply understanding how the various parts fit together. Traditional Medicare, also known as original Medicare, has two parts:Part A covers hospitalization and is typically premium-free.Part B covers outpatient care, including doctor visits, and has a standard monthly premium of 4.60 for 2020, although higher-income people pay more.You can choose any doctor who accepts Medicare, and most do. The government pays health care providers directly.Part D is prescription drug coverage, which is provided by private insurers. The drugs that are covered and the amounts you pay out of pocket vary widely. Monthly premiums vary as well but average .74 in 2020.Traditional Medicare has deductibles, copays and coinsurance that can quickly add up. To cover these gaps, private insurers also offer supplemental plans known as Medigap. The average monthly Medigap premium in 2019 was 2, according to health insurance marketplace eHealth.com, but it can be lower or much higher depending on the plan, the insurer and the area where you live. The plans are known by letters A through N. As with traditional Medicare, you can choose any doctor who accepts Medicare.If you apply for a Medigap policy when you’re first eligible for Medicare, the insurer has to accept you and can’t charge more for preexisting conditions.How Medicare Advantage is differentMedicare Part C is Medicare Advantage. Rather than add to the other parts of Medicare, however, Medicare Advantage plans replace them. Insurers that offer Medicare Advantage are required to provide all the benefits of Part A and Part B, and most plans include Part D drug coverage as well. In addition, the plans typically cover certain expenses that Medicare doesn’t, such as hearing, vision and dental care.Most Medicare Advantage enrollees in 2020 paid no additional premiums for their coverage, other than their regular Part B premiums, according to the Kaiser Family Foundation, a health research group.How Medicare Advantage manages costsMedicare Advantage plans are similar to employer-provided group health insurance: To be covered, you typically must choose health care providers in the insurance company’s network. The network may be relatively narrow if the plan is a health maintenance organization (HMO) or somewhat broader if it’s a preferred provider organization (PPO). You may need preapproval for certain types of care or referrals to see specialists. If you go out of network, your costs may not be covered or may not apply to your out-of-pocket limits. Even if your doctor is in-network now, that could change and you might not get much notice.Also, Medicare Advantage plans are typically regional. If you move out of the area or travel to other states, you may not be covered.The devil’s in the details, and Medicare Advantage plans have many, many details. The average Medicare beneficiary has access to 28 Medicare Advantage options, with varying networks, coverage, deductibles, copays and co-insurance, according to the Kaiser Family Foundation. In general, though, Medicare Advantage costs less upfront and potentially more overall if you need lots of medical care. Many Medigap plans have higher upfront costs but cover most if not all of your expenses when you need care.If you want to switch from one Medicare Advantage plan to another, you can do so during annual enrollment periods. But if you want to switch from Medicare Advantage to traditional Medicare, you often won’t have guaranteed access to a Medigap policy. That means the insurer may charge you more, exclude preexisting conditions for a time or not issue you a policy at all.That doesn’t mean Medicare Advantage plans are a poor choice — just a complicated one, says Tatiana Fassieux, a training specialist with California Health Advocates, a Medicare advocacy nonprofit. She recommends people contact their state health insurance assistance program, which can provide free, unbiased one-on-one counseling. Links to these programs can be found by visiting the SHIP National Technical Assistance Center.“People should not rely exclusively on television commercials,” Fassieux says. “That’s when people get stuck and sometimes make the wrong decision.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Fake Reviews and Saving ‘Too Much’Is Moving Now Your Best Financial Move?When Debt Relief Does More Harm Than GoodLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5523
After my discussions with VP Pence and others, the federal government has agreed to withdraw federal officers from Portland. They have acted as an occupying force & brought violence. Starting tomorrow, all Customs and Border Protection & ICE officers will leave downtown Portland.— Governor Kate Brown (@OregonGovBrown) July 29, 2020 349
A police chief in North Florida is receiving praise on social media after a tweet that called for any police officer to quit now if they are not willing to run toward gunfire.FULL COVERAGE:?Parkland school shootingThe tweet was made by Atlantic Beach Police Chief Michelle Cook after Broward County Sheriff Scott Israel said the deputy on duty during the Parkland shooting?at Marjory Stoneman Douglas High School on Feb. 14?failed to take action.Cook said in the tweet that she wouldn't even be mad if an officer decided to quit since "innocent lives depend on us to act."If you are a police officer and you think to yourself for even one second that you will not be able to run towards the gunfire...please quit now. We won't be mad. Innocent lives depend on us to act #dontletthemdown— Michelle Cook (@Wunulub) February 23, 2018 858
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