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It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

It started out as a way to help her brother, and now, it's become so much more than that. Now one sister's efforts have made an impact far more than she could ever imagine.In their household, twins Sarah and Jacob Greichen are both included and involved. But one day after school a few years ago, Greichen realized outside the walls of their home, it was a different story."My brother got in and he was crying," Greichen said. "And he was saying, 'Mom I have no friends why don't I have any friends.'"Jacob has autism, and exclusion took its toll."He actually stopped talking completely," Greichen recalled. "He regressed, he went from probably a fourth, fifth, sixth-grade level to first-grade level and it was a really hard time for my family."Greichen decided to do something. And at 13 years old, she founded the non-profit Score A Friend, which builds clubs for students with and without intellectual disabilities in schools and communities."Every single kid meets friends through school or though activities and sports," Greichen said. "And Score A Friend is creating those opportunities for everyone. So that they can meet friends and then those friendships can go from school to home."Clubs can be focused on sports or electives, and one club even got the whole school involved with score a friend week."They talk about inclusion," Greichen said. "What unified sports are what person first language is what do you say when you walk up to a person with a disability and what is the right way to act."Now, Score A Friend has gone national, spreading to more than a dozen schools across the country, including at least two colleges."I mean now we have commercials and billboards out which is crazy!" Greichen exclaimed. "I mean, I never would have guessed this from the beginning."But for Greichen, her brother is the true measure of success."Jacob finally started talking again," Greichen said. "He started playing sports again he started talking to other students and he actually had people to sit with at lunch."Greichen sees Score A Friend becoming a movement. One inspired by the person closest to her, and impacting the whole world. 2151

Issues of race relations has become a major campaign issue in this year’s presidential election, with the issue getting pushed to the forefront following the Memorial Day death of George Floyd while in Minneapolis police custody.During Thursday’s presidential debate, President Donald Trump declared himself the “least racist person in this room” after he decried the Black Lives Matter movement.“The first time I ever heard of Black Lives Matter, they were chanting ‘pigs in a blanket,’ talking about police,” Trump said. “‘Pigs in a blanket, fry them like bacon.’ I said that is a horrible thing. And they were marching down the street. And that was my first glimpse of the black lives matter. I thought it was a terrible thing.“As far as my relationships with all people, I think I have great relationships with all people. I am the least racist person in this room.”Both Trump and former Vice President Joe Biden had a spirited exchange about Biden’s record on race relations. Trump confronted Biden for his support of the Crime Bill in the 1990s while a US Senator.“I said not since Abraham Lincoln has anybody done what I've done for the Black community,” Trump said. “You have done nothing other than the crime bill which put tens of thousands of black men, mostly, in jail.”While there are sections of the bill Biden continues to back, including an assault weapons ban and the Violence Against Women Act, Biden has shied away from backing mandatory minimum sentences for drug crimes.“It was a mistake,” Biden said. “I've been trying to change particularly the portion on cocaine. That is why I've been arguing that we should not send anyone to jail for a pure drug offense. They should be going into treatment.”During the discussion on race, Biden attempted to make a personal appeal to Black voters.“I never had to tell my daughter, if she's pulled over, make sure she puts both hands on top of the wheel and don't reach for the glove box, because someone may shoot you,” Biden said. “But a Black parent, no matter how wealthy or how poor they are, has to teach their child, when you are walking down the street, don't have a hood on, make sure that if you get pulled over, yes sir, no sir, hands on top of the wheel, because you are the victim whether you are a person making 0,000 a year or someone who is on food stamps. The fact of the matter is, there is institutional racism in America.”While Trump has previously said that he does not believe there is institutional racism in America, he said that no one has done more for Black Americans in recent history.“Nobody has done more for the Black community than Donald Trump,” he said. “If you look, with the exception of Abraham Lincoln, possible exception, nobody has done what I've done. Criminal justice reform, Obama and Joe didn't do it. I don't even think they tried. They might have wanted to do it, but if you had to see the arms I had to twist to get that done, it was not a pretty picture, and everybody knows it, including some very liberal people that cried in my office -- two weeks later they are out saying, we have to defeat him.” 3120

In the wake of recent fatal pedestrian crashes, a law firm commissioned a study that reveals the most dangerous intersections for pedestrians in San Diego.In 2016, there were 103 pedestrian fatalities in San Diego County. Between 2010 and 2016, a total of 430 people were killed and nearly 8,000 injured in pedestrian crashes.According to the law firm Estey and Bomberger, the most dangerous intersection in San Diego lies in Hillcrest at the intersection of First Avenue and University Avenue.The below map shows the cities with the highest numbers of dangerous intersections in California. Los Angeles takes the top spot by far, followed by Sacramento. San Diego falls second to last on the list. Click on the map below to see more dangerous intersections in San Diego County.  797

In the last week, Pfizer has shipped more than 2.9 million doses of the coronavirus vaccine to locales throughout the US in an effort to get health care workers vaccinated amid a surge of cases nationwide.With Pfizer declaring the initial round of distribution a success, the company says it is awaiting instructions on where to ship its next batch of vaccines.“We have millions more doses sitting in our warehouse but, as of now, we have not received any shipment instructions for additional doses,” Pfizer said in a statement.Pfizer’s vaccine comes in two doses, which means those who have been vaccinated this week will be asked to return in three weeks to receive a booster. Distributing the vaccine is made more arduous due to the extremely cold temperatures required to store the vaccines.Pfizer has been working with UPS and FedEx on distributing vaccines from its warehouses. Pfizer has said that it plans on distributing up to 50 million vaccines doses globally by the end of the year.“Over the last several months, we have activated Pfizer’s extensive manufacturing network, including thousands of highly skilled workers in multiple locations. As a result, Pfizer is manufacturing and readying for release millions of doses each day, and that volume will grow over the coming weeks,” Pfizer said.As health care workers get vaccinated, the shots are slated to make their way to those living and working in assisted living facilities. Major pharmacy chains, such as CVS and Walgreens, are slated to help administer the vaccines to those in assisted living facilities.“With approximately 70 percent of the U.S. population living within three miles of a CVS Pharmacy, we’ll be easy to reach when a vaccine is authorized by the FDA and becomes available in retail settings,” Dr. Troyen Brennan, Chief Medical Officer, CVS Health, said last month. "Our pharmacists, nurse practitioners and pharmacy technicians have been an invaluable community resource since the pandemic began and are ready to play a critical role in the vaccination effort.”Joining the Pfizer vaccine is a similar shot by Moderna, which is in the process of receiving an emergency use authorization from the FDA. The FDA is expected to authorize the vaccine this weekend. 2253