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A woman close to the Parkland, Florida, school shooter called an FBI tip line in early January to describe a young man with an arsenal of knives and guns who was "going to explode" and said she feared him "getting into a school and just shooting the place up.""I just want to, you know, get it off my chest in case something does happen and I do believe something's going to happen," the woman said, according to a transcript of the Jan. 5 call reviewed by CNN.The FBI admitted last week that it had failed to act on the tip. In a statement then, FBI Director Christopher Wray said that "we have spoken with victims and families, and deeply regret the additional pain this causes all those affected by this horrible tragedy."  739

ADRIAN, Mich. -- Police are investigating after an 85-year-old man was stabbed to death at a Meijer store in Michigan Wednesday afternoon. The suspect was arrested after a person with a concealed pistol license (CPL) intervened and held him at gunpoint until police arrived.The deadly incident happened around 12:30 p.m. Much of the details surrounding the incident are still being investigated.However, police say the victim was stabbed multiple times in the head and neck, and was pronounced dead at the scene. The victim was a resident of Lenawee County. The suspect, who is in police custody, is a 29-year-old resident of Adrian.If you have information on what happened, contact Det. Sgt. LaMar Rufner at 517-264-4808.This story was originally published by Cara Ball at WXYZ. 787

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

Adopting a child from another country can take years. For some families, the pandemic added even more waiting time as countries shut down.However, as travel opens back up, agencies are finding ways to help families complete their adoptions, like the adoption of Maria Camila in Colombia.“For most of the summer, we were waiting for just word we were able to travel to Columbia. Just waiting for them to open up,” Seth Christensen said. Seth and Gwen Christensen live in the U.S. with their three children. They started the process of adopting another child years ago, and just this October, they were able to travel to Colombia and bring her home.“That was a stressful time but we made it. We made it to Columbia,” Gwen said.We interviewed Seth and Gwen back in May, right after they went to Colombia for two weeks in March to adopt Maria Camila. However, they had to return to the U.S. without her due to COVID-19 and government closures.“Everything was just going swimmingly until, sorry they shut down all the courts in the whole country,” they explained back in May. “We had to send her back to her group home and it was awful. But she was old enough, she kind of understood, we cried and she was like OK.”So they waited, talking with their adopted daughter over FaceTime all summer until October, when they were invited back into Colombia to complete the process.“It was a complete do over. All the fees, all the appeals, everything,” Gwen explained. “But we got through faster than some families did.”“There were so many parents going through the system at that point than is normal that everyone was just overwhelmed,” Seth said about their most recent experience in the country. Due to the delay time, many families took the first chance they could get to return and finish adoptions.Seth and Gwen spent a month in Colombia, finalizing documents to bring Maria Camila back to the U.S. It's a process Gwen said usually would take less than three weeks, but for them took two separate trips.“There has been a backlog on the travel piece,” said Hollen Frazier, President at All God's Children International. The agency facilitates adoptions from a number of countries, including the adoption of Maria Camila. While the process is slower right now due to countries catching up, quarantine periods and other processes, she said adopted kids from most countries are finally getting home.“In the last six months we’ve seen kids come home from Bulgaria, Haiti, Columbia,” she said. Except for those from China. “All of our families from China, they’re all still stuck. Completely stuck,” Frazier explained.Most countries are finding ways to complete the adoption process safely after many were put on hold all summer. “Because there were so many other families around it definitely helps to kind of see other people in the same situation,” Seth said.After a long wait, Maria Camila now lives in the U.S. with her new siblings. “They’ve been excited to meet her and play with her and introduce her to things,” Seth said.The 12-year-old 6th grader started school this month. “She just started online school this week and that’s an adventure,” Gwen said. 3159

Adam Levine is not giving up a great deal about reports that Maroon 5 will be performing at the next Super Bowl halftime show."I'm still formulating a lot of things," he told Variety in a recent interview.Reaction had been mixed to early reports the group would headline the halftime show.The NFL has not officially confirmed the entertainment lineup for the next Super Bowl."It's a Super Bowl tradition to speculate about the performers for the Pepsi Halftime Show," a league rep said in a statement earlier this fall. "We are continuing to work with (longtime sponsor) Pepsi on our plans but do not have any announcements to make on what will be another epic show."Levine was more open with the publication about getting superstar rapper Cardi B to record a verse on the hit Maroon 5 single, "Girls Like You.""I told Cardi, 'I want you to put something down that shows your fierceness as a woman and say it however you want,'" Levine said. "I knew she was going to murder this verse and bring the song to a whole new place. She was vital. I begged her to do it." 1077