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When Madame Tussauds Wax Museum reopens on Friday, President Donald Trump's wax figure will greet anyone who walks in, while donning a mask. 148

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

With lawsuits, recounts and protests all looming, here is the official timeline for reporting and certification of the 2018 General Election results from the Florida Department of State:November 6 204

WILMINGTON, Del. – President-elect Joe Biden received his initial dose of the coronavirus vaccine on Monday.Biden received his Pfizer-BioNTech vaccine at ChristianaCare Hospital and it was administered by Tabe Mase, a nurse practitioner and head of employee health services at the hospital.With his wife, Jill, by his side, Biden received the vaccination in front of cameras as part of a growing effort to show Americans that the vaccines are safe and necessary for the nation to emerge from the pandemic.Watch Biden get vaccinated below:After he received his dose of the vaccine, Biden said his wife received her vaccination earlier in the day.“I’m doing this to demonstrate that people should be prepared when it’s available to take the vaccine. There’s nothing to worry about. I’m looking forward to the second shot and so is Jill. She’s had her shot earlier today,” said Biden.Biden said the Trump administration deserves some credit for getting the vaccine production off the ground with Operation Warp Speed.The former vice president went on to urge the public to continue taking the necessary precautions to prevent the spread of the coronavirus, because we’re still in the middle of a surge in cases.He also mentioned Moderna in his remarks, which began distributing its COVID-19 vaccine on Monday.“It’s worth stating that this is just the beginning,” said Biden. “It’s one thing to get the vaccine out. And now Moderna is going to be on the road as well, but it’s going to take time. In the meantime, I know I don’t want to sound like a sour note here, but I hope people listen to all the experts, who are talking about the need to wear masks during the Christmas and New Year’s holidays, social distance, and if you don’t have to travel, don’t travel, because we’re still in the thick of this.”Biden joins a growing list of lawmakers who have now received their first doses of the COVID-19 vaccine. Vice President Mike Pence, House Speaker Nancy Pelosi and Senate Majority Leader Mitch McConnell were among those were given doses Friday.President Donald Trump hasn't yet received the vaccine or said when he intends to. 2137

We've seen headlines for weeks about Hertz selling off its fleet after filing for Chapter 11 bankruptcy. In reality, it isn't just Hertz and it didn't just start.“You should not expect, or the market should not expect, all of a sudden this influx of rental supply to hit the market because rental companies have been right sizing their fleets since at least mid-March,” said Larry Dixon, Senior Director of Valuation Services at J.D. Power.As COVID-19 forces car rentals and auctions to shut down, the rental companies started selling more to dealers who weren't able to replenish their used car supply. Now that auctions have opened, demand is up and so are auction prices.So far for retail, what we pay is stable. At the same time, new car sales are down. So, there are fewer trade-ins. That means better deals.“Dealers are going to be more likely to be more aggressive with a trade-in offer to a consumer, particularly for highly desirable late model vehicles, think that 2 to 5-year-old used vehicle,” said Dixon.As far as rental cars being a good buy, they are well-maintained and kept clean. The negatives are they have higher miles. But that can also be a positive in the price.A dealer doesn't have to disclose if a car was a rental. You can find out on your own with a vehicle history report. 1309