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Thursday marks six months since the World Health Organization declared COVID-19 a global health emergency. The coronavirus is only the sixth time a global health emergency has been declared.Compared to the previous five emergencies, experts say the coronavirus pandemic is easily the most severe.Here in the United States, we’re still far behind when it comes to recovery. Health security experts at Johns Hopkins University say we have seen some success in treating the virus, but there hasn't been much success in responding to it, especially when it comes to testing.“Many states did not invest in testing and many states did not invest in contact tracers, so when you see cases spiral out of control in certain states, it's not surprising to me,” Dr. Amesh Adalja of Johns Hopkins University said. “That's exactly the recipe you would set up if you wanted cases to rise.”Dr. Adalja says in order to tackle the spread of the virus, the US needs to prioritize testing, tracing and isolating.Health experts across the country have also signed a letter calling on the US to shut down the country and start over. The letter includes a list of recommendations for what's needed before cities can reopen. It calls for enhanced testing capabilities, more contact tracers and more personal protective equipment.Dr. Bill Hanage at Harvard University was one of those who signed the letter, and says safely reopening can happen, “If we look at countries like New Zealand, South Korea, then you can actually see that it is possible with sustained action to shut down, strangle the virus, throw it back to the sea, and then you can open with substantial amounts of normal economy.”Hanage adds that while it can be done, it's yet to be seen if the US is capable of doing this.The Association of American Medical Colleges has also offered a road map that would change the country's approach to the pandemic. It calls for some of the same things other doctors have asked for -- testing, tracing, and more PPE.It also goes further and asks for broad health insurance coverage for people who have lost their jobs, remedying drug shortages, and establishing national standards on face coverings. 2188

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

Three-time gold medal gymnast Aly Raisman was sexually abused by former USA Gymnastics doctor Larry Nassar and is "angry" about the culture that allowed the abuse to go on, she said in an interview with "60 Minutes."Raisman, now 23, was a star gymnast on the 2012 and 2016 US Olympic teams, earning six medals overall. She said that she was first treated by Nassar when she was 15 years old."Why are we looking at why didn't the girls speak up?" Raisman said in a short clip released by 60 Minutes. "Why not look at what about the culture? What did USA Gymnastics do, and Larry Nassar do, to manipulate these girls so much that they are so afraid to speak up?""You're angry," reporter Jon Lapook said."I am angry. I'm really upset because it's been -- I care a lot, you know, when I see these young girls that come up to me, and they ask for pictures or autographs, whatever it is, I just -- I can't -- every time I look at them, every time I see them smiling, I just think -- I just want to create change so that they never, ever have to go through this."Raisman is the second member of the famed "Fierce Five" team of American gymnasts to speak out about Nassar, the former team doctor who has been charged with various counts of sexual misconduct and child pornography.Last month, under the "#MeToo" hashtag, McKayla Maroney said Nassar sexually abused her under the guise of providing "medically necessary treatment." That "treatment" began when Maroney was 13 and continued through her stellar performance at the 2012 Olympics."It seemed whenever and wherever this man could find the chance, I was 'treated.' It happened in London before my team and I won the gold medal, and it happened before I won my silver," Maroney wrote.Maroney described one incident with Nassar as "the scariest night of my life," and she encouraged others to come forward and speak about their experiences."Is it possible to put an end to this type of abuse? Is it possible for survivors to speak out, without putting careers, and dreams in jeopardy? I hope so," she wrote. "Our silence has given the wrong people power for too long, and it's time to take our power back."And remember, it's never too late to speak up."WATCH PART OF THE INTERVIEW: 2236

Thursday was supposed to mark the second of three presidential debates between Joe Biden and Donald Trump.Instead, Trump and Biden will hold town hall forums on opposite networks in a hope to sway voters to the polls by November 3. The town hall forums will air Thursday evening at 8 p.m.How we got hereIn the two weeks since the last debate, Trump tested positive for the coronavirus as dozens of others who had contact with Trump around the time of the debate also tested positive for the virus. Also, revelations surfaced that Trump’s travel party did not follow the debate’s coronavirus guidelines at the Sept. 30 meeting in Cleveland.As a result, the Commission on President Debates announced last week the debate scheduled for Oct. 15 would be held virtually. Wanting no part of a virtual debate, Trump immediately retracted his participation in the debate, and instead his campaign said it would hold a rally.Meanwhile, Biden said he’d opt to hold a televised town hall forum on Thursday.On Wednesday, NBC News announced that Trump had agreed to participate in a town hall at the same time.When/where to watchBiden’s town hall will begin at 8 p.m. ET live in all time zones. The town hall will air live on ABC, ABC News Live on streaming platforms, YouTube, Twitter and Facebook. ABC News anchor George Stephanopoulos will moderate.Trump’s town hall will also begin at 8 p.m. ET live in all time zones. The town hall will air live on NBC, MSNBC and CNBC, stream on NBC News NOW and be available in Spanish on Telemundo’s digital platforms. NBC News’ Savannah Guthrie will moderate.Biden’s town hall is slated to last 90 minutes, while Trump’s will go 60 minutes.NBC News took criticism from some on social media for opting to hold the town hall at the same time as Biden’s event. The concurrent town halls will leave swing viewers having to pick one of the candidates to watch. Stephanopoulos hosted a town hall with Trump and voters last month, while Biden did a town hall with NBC News’ Lester Holt a week ago.FormatUnlike debates, town hall forum responses have no time limit, which allows for deeper discussions on topics. Based on recent town hall forums, the coronavirus and the economic fallout will likely be key topics.Also of note is that Trump has largely avoided taking questions from reporters since being diagnosed with the coronavirus. It would not be surprising to see direct questions posed to Trump on holding large events without masks amid a pandemic. 2486

There’s no doubt that this is probably one of the most polarizing election years in history.The tension can cause anxiety. According to the American Psychological Association, two in three adults say this election has been a major source of worry. Now health experts say that stress could also affect our children.Child and adult psychiatrist Dr. Judith Joseph has some advice for parents to help manage their children's anxiety during this time of unrest.She says it starts with communication. When there's a lot of stress in the environment, Dr. Joseph says that also cause the cortisol levels to also go up causing you to lose focus. It's important to talk to your children to find out how they're feeling.Next, use the election as a teaching moment and reassure them they are safe no matter the outcome. Create a project that involves kids learning about the voting process and how government works. Also, limit news exposure. Getting too much screen time can only lead to more anxiety.Furthermore, while creating a large change may be a bit of a stretch, Dr. Joseph urges parents to be honest about what’s happening in the world and focus on empowering our youth by allowing them to give back locally.Finally, encourage kids to keep a journal. Writing will also help them manage sleep and anxiety, further putting them on the right path to getting through these rough times worry free.This story was originally published by Stacy-Ann Gooden at WPIX. 1462

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