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Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701
When he was diagnosed with two autoimmune diseases, Joel Hechler knew he’d be in for a battle. He didn’t realize maybe his toughest one would be with his insurance company.“I think they put the dollars ahead of a patient’s health,” Hechler said. “I don’t think they fully understand the impact the medicine will have on my long-term health and well-being."Hechler suffers from Crohn’s disease and ulcerative colitis, diseases that attack the lining of his digestive tract. Autoimmune conditions like his can’t be cured but, with the right medication, the symptoms can be controlled. Finding the right medicine can be hard for those suffering from autoimmune diseases. Even if there are scores of drugs on the market, some patients might only respond to one. In Joel’s case, his doctor thought he’d have a better chance trying a drug called Remicade.“I received a letter from my insurance company that denied the Remicade on the basis that I have to try a different drug before I can get to Remicade," Hechler said.Hechler's insurance company, Premera Blue Cross, wouldn’t approve the drug his doctor prescribed because they wanted him to try a cheaper one first.It’s part of a program that health insurers nationwide use called step therapy, requiring that patients try less-costly drugs before “stepping up” to more expensive ones — even if doctors believes the cheaper drug won’t work.Dr. Larry Adler is president of Huron Gastro in Ypsilanti, Michigan and says he spends virtually every day battling insurance companies over step therapy drugs.“They have to fail this medicine first before they get the new drug,” Adler said. “That doesn’t make any sense.”Adler says it's common for patients to get sicker while waiting for step therapy to run its course.In Hechler's case, it took six weeks of fighting with his insurer to convince them that the cheaper drug wouldn’t be effective. As he was waiting, he was getting worse.“It got to the point where I had to be admitted to the hospital,” Hechler said. "I was very, very sick.”Step therapies are used by insurers to try to control skyrocketing prescription medicine costs, says Glen Perry, Director of Pharmacy Contracting and Sales for Blue Cross Blue Shield of Michigan.“These drugs can cost up to 0,000 per year. These are not cheap medications,” Perry said.“It seems like you’re telling patients that, in many cases, your insurer knows what’s best for you, rather than your doctor,” Jones said.“We are trying to provide the most cost effective and safe medication use,” Perry said, adding that when a doctor and insurer disagree over a drug, they can usually resolve the case within a few days without putting a patient at serious risk.“A delay of one or two days I don’t think is really going to make that much of a difference for the medical outcome of the patient," he said.But for many patients, like Phyllis Toole, the delay is longer than a few days.Phyllis suffers from rheumatoid arthritis, a condition where her body attacks her joints. When her doctor wanted to put her on Orencia, her insurance company HAP said she needed to first try a less expensive drug, Humira.But Phyllis’ doctor was worried about possible side effects and thought Humira could be risky.After battling for months, Phyllis says the whole thing made her feel more like a number than a patient. With her doctor and insurer in a standoff, she was forced to rely on samples of the drug she got from her doctor. HAP never approved her prescription.“They’re playing doctor, is what it feels like,” Toole said. “They’re saying this is what you can have for the symptoms you have. It may make you sicker, but this is what you can have.”HAP issued the following statement to Scripps station WXYZ in Detroit: 3800

WEST PALM BEACH, Fla. — Michael Womer is known as the "Gator Crusader." He posts wild videos where he gets extremely close to alligators during live shows. He said he's loved alligators since he was a child and even told his school counselor in high school he already knew he wanted to perform with gators as a teenager.He shared what he's been doing differently during the pandemic, and if he thinks alligators can sense the difference.Womer performs with a gator show in central Florida and he shares videos of his wildest antics online. He often dresses up, performs stunts and even reads to the alligators. He's perhaps most widely known for a video where he falls into a gator pit when his rope swing snaps.Womer said the alligators can tell something is different because there aren’t as many people around. 821
Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701
WHILE PUBLIC HEALTH EXPERTS ARE URGING AMERICANS TO GET VACCINATED, the process will require some patience as the supply will be limited initially. — The Federal Trade Commission’s website warned Americans on Tuesday that scammers could use coronavirus vaccines as a way to swindle the public.In the coming weeks, many high-risk Americans, mostly those who work in health care settings or those who live or work in assisted living facilities, will begin getting vaccinated against the coronavirus. The vaccines, however, likely won’t reach the broader American public for at least several months.While public health experts are urging Americans to get vaccinated, the process will require some patience as the supply will be limited initially.The Federal Trade Commission issued a series of recommendations to prevent getting conned.You likely will not need to pay anything out of pocket to get the vaccine during this public health emergency.You can’t pay to put your name on a list to get the vaccine.You can’t pay to get early access to the vaccine.No one from a vaccine distribution site or health care payer, like a private insurance company, will call you asking for your Social Security number or your credit card or bank account information to sign you up to get the vaccine.Beware of providers offering other products, treatments, or medicines to prevent the virus. Check with your health care provider before paying for or receiving any COVID-19-related treatment.The Federal Trade Commission is asking those who believe they are being the target of a scam to contact them at ReportFraud.ftc.gov. 1614
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