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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

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

A well-known General Mills food brand is now selling sweaters.Pillsbury has released its first-ever Pillsbury Ugly Christmas Sweater holiday line. The wearables have wintery themes and bright colors and feature the brand's icons, the Doughboy and crescent rolls.The sweaters were available at UglyChristmasSweater.com, but sold out in just a couple hours after going up for sale Wednesday, Dec. 5. However, there is still a chance to get a sweater (today only) through a sweepstake at Pillsbury.com/bakememories.Options include: 546

After the University of North Carolina opted last week to hold all undergraduate courses virtually, the university has seen 504 confirmed coronavirus cases since last Monday.The school’s student newspaper, The Daily Tar Heel, first reported the significant outbreak.In the last week, the school’s COVID-19 positivity rate increased to 31.3% of all COVID-19 tests. The week before, it was 13.6%. On week ending August 9, the COVID-19 positivity rate was 2.8%, which gave university officials some confidence that the university could safely reopen.But as cases began to see an uptick last week, the university suspended all in-person learning for undergraduates just a week into the start of the semester. The university also encouraged on-campus residents to return home. The university said that just 15.1% of its main campus housing was being utilized as of Monday, down from 60.5% a week prior.As a number of universities begin in-person learning, the surge of cases at UNC offers a cautionary tale of operating a major university amid the worst pandemic to hit the US in over a century. Joining UNC in suspending in-person learning last week was ACC rival Notre Dame. 1179

ALPINE, Calif. (CNS) - San Diego County officials opened an erosion control center in Alpine Thursday to help businesses and homeowners prevent debris flows in the areas burned by the Valley Fire.The center at 2914 Tavern Road will offer free sandbags, fiber rolls and other items to help residents stabilize properties before rains arrive and potentially trigger mudslides and debris flows, county officials said.Starting Thursday, the center will be open to business and property owners from 8 a.m. to 4 p.m. daily Monday through Saturday, and from 9 a.m. to 2 p.m. on Sundays. Appointments are not required this weekend, but will be required starting on Monday.Residents and business owners can schedule an appointment to pick up erosion control materials by calling the county's stormwater hotline at 888-846-0800.Staff will be available to advise on how to protect properties, homes, garages, sheds and other structures. Staff can also visually inspect properties and offer information on best practices to protect structures.As of Wednesday morning, the Valley Fire remained at 17,665 acres and was 90% contained, according to a Cleveland National Forest incident page.The conflagration, which broke out early on the afternoon of Sept. 5 off Spirit Trail and Carveacre Road in Japatul Valley, ultimately destroyed 30 residences and 31 outbuildings, damaged 11 other structures and left three firefighters injured, according to Cal Fire.Jamul resident Jim Grigsby told ABC 10News, “The fire burned down three of my neighbors' houses. And I’m looking out through my window now and it’s kind of sad ... We’ve been through three fires out here, and this is the first time it got this close so we had to get all of this stuff out.”On Thursday, Grigsby went to the erosion center to pick up “fiber coils or swaddle to divert water and use them to fil up the sandbags and build a retaining wall to the gullies on the property." 1934