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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

Whether planning necessary travel in the near term or fantasizing about vacationing in the ever-longer term, you might be curious how the coronavirus pandemic has affected airfare prices.We compared data from our points and miles valuations analysis to determine where and how airfare has changed since this time last year. We looked at the same routes, airlines and booking time frames for both 2019 and 2020, ensuring an apples-to-apples comparison.Although air travel has picked up significantly since the lows in April, the Transportation Security Administration is still reporting about 63% fewer daily screenings than this time last year. Has this drop in air travel demand led to a significant price drop?The short answer is: Yes, prices have fallen.Prices have dropped, but mostly in the short termThe average cost of a domestic round-trip ticket fell 23% in 2020, from 7 in 2019 to 4.This price drop is striking but not surprising given continued low demand. But the trend becomes stronger when breaking out the booking date data, with those made within 15 days dropping much further than bookings made six months in advance.The plot thickens.Airfare for long-term bookings has remained flat year over year. If you book a flight for six months from now, you’re likely to pay roughly the same price as you would have last year. But closer-in bookings, within 15 days, are not only far cheaper than they were in 2019 but also cheaper than long-term bookings.This turns conventional airfare-booking wisdom on its head. Usually, we would recommend booking flights as far ahead as possible to secure low fares. But booking too far in advance is now a recipe for getting fleeced.? Learn more: How to plan holiday travel for maximum flexibility in 2020What’s going on?The management of supply and pricing is usually an exquisitely orchestrated dance in which airlines ensure that every flight is filled to near capacity and every price is competitive. This usually means ramping up prices for nearly full flights at the last minute, when competition becomes stiffer.However, now that demand has dropped and airlines are actually falling over themselves to reduce flight capacity, the game has changed. Airlines are now competing with each other for last-minute bookings, which drives down prices. And they seem to be making up revenue by raising prices on longer-term bookings made by those few brave souls willing to plan in advance. In other words, it’s a buyer’s market for close-in bookings.Of course, these pricing dynamics, like everything this year, are liable to change by the week. If you’re thinking about booking a particular route, set up a price alert on Google Flights or another travel search tool and keep an eye on how the airfare winds are blowing.What do these unusual airfare trends mean for you? Keep it simple: Avoid booking months in advance, set up a price alert and try to shed the normal (and normally smart) habit of avoiding last-minute bookings.More From NerdWalletShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite Airlines(How) Should I Travel for the Holidays?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 3242

When you step inside a restaurant in eastern Idaho, it’s no secret which menu item is a favorite one."I don’t know what other kind of potatoes we would have if we didn’t have Idaho potatoes," said FaDale Fisher, who works at Big Jud's in Ashton, Idaho.The restaurant is feeling life again in a state that produces more potatoes than any other.“Now, we’re almost back to full force, even though we are still limited on tables, business is still really well," she said.Idaho potatoes are also an important ingredient at Grandpa's Southern BBQ in Idaho Falls.Owner Lloyd Westbrook says take-out orders have helped his restaurant thrive this year. He's been in business since 1995.“You will find hospitality in restaurants out West, but it’s just not quite southern hospitality," he said.While the sight of spirited kitchens could give hope the food industry is beginning to rebound, for some of the potato farmers who work close by in this state, that hope feels very far away.“It’s unclear if we’re even going to be able to stay in business," said Doug Hess.Hess' family has farmed his land since the 1800s.“When you look around, you realize you’re actually farming with not your equity but your grandfather's, your father's equity," Hess said.Hess’ specialty is seed potatoes. They are grown free of virus and genetic defects.He sells to commercial farmers, who use the seed potatoes to grow the ones you eventually eat.Hess says the pandemic caused a food-chain reaction that hurt his business. When restaurants closed, the distributors that deliver potatoes to kitchens pulled back on buying from commercial growers, and those growers bought less of his already grown crop."We were anticipating a bag of a potatoes," Hess said. "Click of a switch if you could get rid of it for ."He was left with a pile of potatoes, and he donated about a quarter of his crop.He's now planted significantly less as COVID-19 cases rise.The federal government has stepped in to help the potato industry, but Hess says the struggles of he and his fellow farmers could last long after the pandemic."It could be three or four years out before this thing stabilizes," he said.For this lifelong farmer, it's a generational pressure.“Every time I sit at the table and I look at my sons thinking, ‘Will I be able to pass this on as my father passed on to me?’” Hess said. 2361

While we cannot speak to specific customer scenarios or comment on an ongoing investigation, in general, as people share more information online, instances of identity theft and identity fraud have increased. This is true not just for the wireless industry but also many other industries. As wireless devices have become more sophisticated, their value has increased significantly. According to the FCC, millions of dollars are lost each year due to subscriber fraud, which occurs when someone signs up for wireless service with fraudulently obtained customer information or false identification. Fraud and identity theft impact our customers financially, forcing them to spend considerable time and effort cleaning up their credit and identity. We recognize that the privacy and security of information is of paramount importance to our customers. Unfortunately, it’s a harsh reality that bad actors are always looking for ways to engage in fraud and identity theft. With private customer information in-hand, they defraud banks, retailers, non-profits and more. As fraudsters gather more private information from the dark web and create more authentic looking fake identification, our teams at Verizon are always working to stop these criminals who impact about 7,000 customers every month. If a Verizon customer suspects fraud for any reasons, they should immediately contact Customer Service at (800) 922-0204. 1422

WISCONSIN — An update on the expected re-entry of China's old Tiangong-1 space station has been announced.The space station was initially launched in September 2011. An official Chinese statement declared that Tiangong-1 terminated its data service on March 21, 2016. Since the Chinese government has lost control of the station, it's hard to predict where and when it will fall.The European Space Agency predicts the space station will fall back to Earth between March 30 and April 6, while research organization Aerospace predicts a re-entry on April 1, give or take 4 days.Aerospace says it is much easier to predict a re-entry time than a location. This explains the wide scope of possible re-entry zones, which both Aerospace and other organizations predict will be between 43 degrees North and 43 degrees South latitudes. 855