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After losing a child to a drug overdose, one mother prepares to save others through a program to teach people how to handle the anti-overdose drug Narcan."Maybe I'll be at the right place at the right time for somebody else," Pat Jorgensen said.Pat's daughter, Tiffany, died five years ago at the age of 29. She's left raising Tiffany's daughter."Not a day goes by that I don't think of her and miss her," Pat said. "When someone gets engrossed in a drug addiction, it's really hard coming out of it. It's the hardest thing to get off of. As her mother, I will always feel like what did I do? Maybe I did something wrong? It's been a very hard road. The whole family has been through a lot. It's not something you just get over."Pat and her son were among dozens who showed up to receive free Narcan, and training on how to use it to potentially save a life.The training session was held at the Water Tower in Milwaukee's Bay View neighborhood Wednesday night. In this case, the Aids Resource Center of Wisconsin (ARCW) has a Prevention Department that provided the free Narcan and training. The organization often gets requests from community and church group to host training sessions at no cost.Everyone who attended the meeting went home with three syringes and three vials of Narcan, as well as reminders on how to properly use it. 1349

AMC Theatres announced Tuesday that it plans on opening “almost all” of its locations in July amid speculation over the company’s future.The theater chain, which has nearly 1,000 US locations, said it expects to be open for the July 17 release of “Tenet” and the July 24 premiere of “Mulan.”AMC did not unveil exact social distancing measures that would be implemented, but said it is working with Harvard University’s School of Public Health to develop best practices. AMC added that it is developing protocols for personal protection equipment, cleaning, limited theater capacity, blocked seating, and other strategies.“These are truly unprecedented times. I join with all our employees around the world to offer our sympathies to those affected by the coronavirus, as well as our sincerest gratitude to those on the front lines,” said Adam Aron, CEO and President of AMC. “After starting the year with two solid months of revenue growth compared to last year, in mid-March we were forced to pivot the entire company to respond to the effects of the pandemic.”Aron said the company “is confident we are taking the necessary steps on a broad array of fronts to ensure AMC’s future success as we navigate these turbulent and uncertain times.”During its announcement, AMC unveiled its Quarter 1 figures, showing that the company took a nearly billion loss after seeing nearly all of its theaters close during the spread of the coronavirus.The first quarter results only covered AMC’s financial situation as of March 31, but showed a steep decline in revenue and attendance through the first three months of the year compared to 2019 as theaters began to close in mid-March. 1683

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

Although many companies across the country are having a tough time staying open during the pandemic, there is some good news: The Small Business Association is finding some people are opening new types of businesses.Many of these new small businesses are being helped by loans, which the SBA said aren’t difficult to get currently."A lot of people are being entrepreneurs and they're coming up with new ideas so you see a lot of people making masks, you see people making shields, you see a lot for 3D printing businesses starting up. So that’s a great thing, that’s entrepreneurship. Whenever we’re given a problem, people come up with a solution," says Charles Abell with the U.S. Small Business Association.Abell says new tech companies are also thriving because it's a business that can be run remotely."You see so many new tech businesses starting up and that’s a great thing. There's a lot of need for medical tech, so people are coming up with new apps on how do we track our area with the COVID-19 virus," says Abell.He says it can be tough for some people who are finding themselves out of work and an expert in just one industry to suddenly pivot to another. The SBA says some are turning their hobbies into businesses."They have a great sauce or they have a great product that they can make at home and they can use Amazon and do the shipping services to market their products. So, I think a lot of people are being very experimental right now," says Abell.People who focus on delivery services are also finding business is booming. And many of these businesses are benefiting from easier access to loans."This is an amazing time right now. A lot of people are refinancing their homes and getting the lowest interest rate possible. Well, guess what, starting your business is a very similar process," says Abell.The key right now for people who are thinking of starting a brand new business is to think through your plan and funding needs. And make sure the business can thrive in the current state of our economy."It's good that they have a business plan and have someone helping them with the business plan to make sure it's sustainable," says Abell.The SBA has free tools available to potential, new and longtime business owners on their website. They encourage new business owners to use every resource available to them so that their brand new company can not only survive this pandemic but for many years after. 2436

ALBANY, Ga. -- Located in the southwest part of Georgia, the city of Albany, which boasts a population of 75,000, is reclusive.It is three hours from Atlanta and more than an hour and a half from Tallahassee, the city with the closest major airport. And perhaps that is why the city is so self-reliant and resilient.“This is who our people are,” said Barbara Holmes, CEO of the Albany Chamber of Commerce.In 2017, a string of tornadoes battered the city, killing five people and causing more than billion in damage.Only a year later, in October 2018, Hurricane Michael ripped through the area as a Category 3 storm.Then, this past March, Albany became Georgia’s hotbed for COVID-19 as it quickly amassed the highest number of positive coronavirus cases per capita in the state. Dougherty County, the county in which Albany resides, had 1,700 cases per 100,000 people, while Fulton County, the state’s most populous county where Atlanta is, saw 280 cases per 100,000 people.Like so many cities across the country, the virus hit Albany’s workforce hard.“The business impact was immediate, right? It was a swift arc,” said Holmes.“Our business volume was way off. People were absolutely scared,” added Tim Underwood, who owns a local restuarant called The Rocket. “It was very scary because in my own home that meant my wife was home with the kids. She wasn’t working and she wasn’t able to work.”What made Albany’s case of unemployment unique, however, is there were no guidelines. It was the first outbreak in the state, so local business officials had to improvise to stay open before guidelines were issued by the Gerogia Department of Public Health and Governor Brian Kemp.And that’s where the beauty in Albany’s survival story lies.Shortly after business owners noticed the rise in the coronavirus cases, and before the governor issued any orders, 12 businesses in the community came together to figure out a plan that involved voluntarily closing their dining rooms and moving to take-out only.“Our concern was not only our business, but our community,” said Underwood. “We wanted them to know we were there for them. This was what we were going to have to do to survive quickly.”Underwood quickly slashed his staffing, took a large pay cut and set a budgetary minimum of ,000 per week in revenue. He says that was the number that would allow his restaurant to survive. Anything less and it would have to close.Week one, Tim says he made ,027.“There’s many of our staff still only working part-time hours, but they’re still working part-time hours and that’s better than not able to work,” said Underwood.Because of the effort, not a single one of Albany’s stores has closed for good. Yes, workers are fuloughed, but there is hope that at some point that work might come back."You know, it’s inspiring and it's encouraging, but what I will say to that is it’s not surprising because this is who Albany is,” said Holmes.“We’re here to help each other, and I think that’s what gets lost in all of this,” said Underwood. “And I think that’s why, at least in Albany, when you see us coming out I see a brighter future." 3136