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A wooden sculpture of First Lady Melania Trump in her Slovenian hometown was burned by vandals on the Fourth of July, CNN and Reuters report.Brad Downey, the American, Berlin-based artist that commissioned the sculpture, said he received a call from officials in Sevnica, Slovenia, on July 5, who informed him that the statue had been badly burned the night before.Downey said he immediately had the statue removed and filed a police report. But he told CNN that he wasn't interested in pressing charges against those responsible."I would be curious to see who did it," Downey told CNN.In recent weeks, President Donald Trump has taken a hard line against vandals who have toppled statues and monuments to historical figures with ties to slavery or imperialism. In a divisive speech at Mt. Rushmore on July 3, Trump called those toppling such monuments as a part of a "far-left fascism" that aimed to "end America."The statue was erected in 2019 when Downey commissioned a local woodworker to carve the 25-foot sculpture out of a fallen tree trunk. While the sculpture's face isn't immediately identifiable as Melania Trump, she's depicted wearing the light-blue dress she wore to her husband's Inauguration in 2017.According to Reuters, Downey was inspired to commission the statue given Melania Trump's status as an immigrant despite her husband's hard-line stance of immigration throughout his time in office. 1420

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

Activists in Louisville are calling for the cancellation of the 2020 Kentucky Derby due to increased racial tensions.This comes as several high-profile police shooting deaths, including Louisville EMT Breonna Taylor, have sparked nationwide protests. AP The Justice and Freedom Coalition held a news conference on Thursday renewing their call for a boycott of the Kentucky Derby due to the continued protests."Obviously, the Kentucky Derby matters more than a Black woman who was killed in her home for no reason at all," said Tamika Mallory, Until Freedom Founder. "We see you, Mayor Fischer. We see what you are doing and we understand the game. We are not a group of unstrategic young people that don't know what's going on. We understand the political implications of every move that you made ... we are not afraid."On Wednesday, Churchill Downs announced drastic changes to how many people can attend the race due to COVID-19 concerns. Derby officials expect no more than 23,000 people to attend this year's event, roughly 14% of the record-setting crowd of more than 170,000 in 2015.This story was originally reported by Jordan Mickle at WLEX. 1187

ALPINE, Calif. (KGTV) — Sheriff's deputies are investigating reports of a suspicious vehicle near an East County school.Students walking to and from Joan McQueen Middle School Wednesday said they saw a vehicle slow down next to them as they were heading to school. This was near Victoria Drive and Sneath Way, according to the Alpine Union School District. The students became concerned and reported the incident, according to San Diego Sheriff's investigators.The driver or passenger didn't talk to or touch the students. The school district added that there were two instances in which the reported vehicle slowed near students as they walked.The school district sent a message out to parents saying, "we have asked all campuses to be vigilant about safety. I hope you will partner with us in our efforts to keep our children safe by appropriately talking about this incident at home and discussing how to practice proactive safety skills." 950

A white woman derisively labeled "Cornerstore Caroline" on social media has apologized after video of her appearing to call New York police to say a 9-year-old black boy grabbed her behind was posted online."Young man, I don't know your name, but I'm sorry," the woman told TV reporters this week after watching surveillance footage that showed the child's backpack brushing up against her backside -- his hands in plain sight -- as she leaned over a Brooklyn deli counter.Cellphone video of the public apology also circulated across social media.Before Friday's mea culpa, however, Teresa Klein was widely ridiculed on social media after a viral video of the incident became the latest example of whites calling the police on blacks over seemingly trivial reasons.The episode began Wednesday when Klein appeared to be calling the police on cellphone video captured by a Brooklynite who posted it to Facebook with the message, "Make this go viral. Meet Cornerstore Caroline." 983

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