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Alberto was downgraded to a subtropical depression Monday night, after drenching the Southeast with rain and killing at least two people.Despite weakening to a depression, the threat from Alberto remained from possible flooding and heavy rains. Storm watches and warnings were discontinued for coastal regions, but those inland remained in effect. Alberto will continue its course north bringing heavy rain to Alabama through the Tennessee Valley on Tuesday.On Monday, two people -- a news anchor Mike McCormick and photojournalist Aaron Smeltzer, of Greenville, South Carolina-based CNN affiliate WYFF -- were killed in Polk County, North Carolina. A tree fell on their SUV as they covered the hazardous weather, the station said."Two journalists working to keep the public informed about this storm have tragically lost their lives, and we mourn with their families, friends and colleagues," North Carolina Gov. Roy Cooper said in a statement. "North Carolina needs to take Alberto seriously.""I urge everyone to keep a close eye on forecasts, warnings and road conditions, especially in western North Carolina where even heavier rain is predicted through tomorrow [Tuesday]."The storm is threatening the Southeast with heavy rain, as it moves north at 12 mph.Alberto made landfall as a subtropical storm in the Florida Panhandle on Monday afternoon, reaching maximum sustained winds of 45 mph as it arrived in Laguna Beach, Florida, according to the National Hurricane Center.It left 6,540 customers in Florida without power, according to the Florida Division of Emergency Management.Where Alberto is headedThe system is forecast to move across Alabama overnight and into the Tennessee Valley on Tuesday, then into the Ohio Valley and Great Lakes region on Wednesday and Thursday, according to the National Hurricane Center.Three states likely to bear the brunt of the storm, Florida, Mississippi and Alabama had declared emergencies ahead of Alberto.Alberto could still bring isolated rain totals up to 12 inches in areas of the Florida Panhandle and Alabama, the NHC said. This could cause flooding and flash flooding, it stated.About 2 to 6 inches of rain are expected from Alabama to the western Great Lakes and from northern Florida to the mid Atlantic coast through Wednesday, it stated.The National Hurricane Center also said that swells, which could cause life-threatening surf and rip current condition, could affect the eastern and northern Gulf Coast through Tuesday.The-CNN-Wire 2501

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 wildfire burning in Arizona, just northeast of the Valley, is now the most massive fire actively burning in the country, according to officials.The wildfire has already demolished more than 114,000 acres, and it is just five percent contained, as of Thursday morning.The good news is no homes nor businesses have been destroyed, but some worry it is just a matter of time, as evacuations have been implemented in multiple towns.Fire crews say the wildfire has spread so rapidly and is difficult to contain because of the heat, low humidity, terrain, and high winds.The threat snuck up on Tonto Basin homeowners like Robyn Hill."I really wasn’t prepared for it. I thought the fire was too far away, and you are just kind of in disbelief," said Hill, who got the evacuation order Monday.Hill said she rushed home from her hair salon business in Payson once the alert came across her phone.She packed up the RV with her husband and two dogs, and they quickly left town."So when you got two hours to get your stuff and go. It would help if you were a little more prepared," she said. "I packed the bread and the peanut butter, but forgot the jelly."While the jelly makes for a good joke, leaving home was no laughing matter."You kind of shed a few tears as you leave the house because it’s my home, it’s my little paradise," said Hill, who tells KNXV she had just finished adding a pool and re-doing her garden and yard during the pandemic slowdown.While Hill and others are evacuating their homes, the Red Cross has been setting up shelters."[Monday] we had over a dozen people check-in," said Jim Gilloon, with the Arizona Red Cross. "We don’t just let them walk in. We do a screen test, we take their temperature, and we ask him questions, and then they are clear to come in."At the shelter, the people forced from their homes can get a meal, information, and then the Red Cross helps find them a place to stay for the night."It’s a wildfire season. So we are prepared," said Gilloon. "The fire is spreading, and there is no containment. So we are looking at several days, a week maybe."Many Arizonans from Punkin Center, Sunflower, and Apache Lake are now sleeping in motels.Casie Malinski though, stayed behind in her Tonto Basin home Tuesday to care for her many animals."This morning I took my older children into Payson and dropped them off with their things," said Malinski. "I have full faith in our hotshots and fire crews who are out here."As 440 firefighters desperately try to squelch the inferno, hundreds more are praying for them."I think everybody is just terrified and hoping they will get it out in time before the residences are lost," said Hill. "Let’s stop it on the highway, please. And before the homes."State Route 87, or the Beeline Highway, is closed from Payson to Bush Highway.State Route 188 is also closed from the 87 junctions to Roosevelt.Fire officials say the fire started due to a car issue on the side of the highway.KNXV's Zach Crenshaw first reported this story. 3008

Advisory from City of #SalemMA Following 1st Weekend of October: Taking into account current public health orders & advisories, & in order to continue to prioritize the health & safety of Salem residents, employees, & visitors, the City issuing the following reminders/advisories. pic.twitter.com/oq2BJC2qxR— City of Salem MA (@CityofSalemMA) October 6, 2020 382

After more than a decade apart, McDonald's and The Walt Disney Company have partnered up to release Disney-themed toys with Happy Meals starting in June, the companies announced Wednesday.The cross-promotional campaign pairs the children's meal with movies from Walt Disney Animation Studios, Pixar Animation Studios, Disney Live Action, Marvel Studios and Lucasfilm. It will begin with Incredibles 2.USA TODAY reports the companies did not specify how long the agreement will last, only saying multiple years. Their last partnership lasted ten years, from 1996 to 2006.McDonald's also promises Happy Meals will meet Disney's nutrition guidelines by June 2018. 668