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EL CAJON, Calif. (KGTV) - An El Cajon man says a new spinal procedure changed his life, but the Army veteran is now locked in a battle with his military health insurance plan which refuses to cover it.Ronald Maddern says he can't understand why TRICARE, his secondary insurance, would deny coverage of the procedure after his primary insurance, Medicare, agreed to cover 80 percent of the cost. Both insurance plans are run by the federal government."Makes me feel like a second-rate citizen after I served in the military for so many years," he said.The denial by TRICARE left him with a bill of ,756.Maddern had the Vertiflex procedure in 2017 to treat spinal stenosis, which had largely confined him to a wheelchair for 17 years. Maddern is now able to walk with help from a cane for balance."It was a drastic success," said the 71-year-old. "My quality of life now is very, very good."The procedure, developed by a Carlsbad company, was approved by the FDA in 2015. It has been performed thousands of times across the country, said Maddern's surgeon Dr. Michael Verdolin."It is extremely frustrating that one arm of the government says yes and the other portion, really the pinky, says no," he said.In a letter of denial, TRICARE argued Vertiflex is an "unproven procedure," despite its FDA approval."There have been 15,000 cases across the US. It's been cleared for use," Verdolin said. "There is no question to be asked about its efficacy."TRICARE did not immediately respond to requests for comment by 10News.Ronald Maddern's insurance case is now before an administrative law judge. He's hoping the judge's ruling will convince TRICARE to conform its benefits with other federal agencies, so more veterans can get the procedure. 1746

Do you have a turkey in your freezer that you're preparing to cook for Thanksgiving? Depending on the size of the turkey, it might be time for you to begin thawing the bird. Here is a general rule of thumb on when to move your turkey from the freezer to the refrigerator, according to the USDA:  318

Disneyland aficionados already know about the exclusivity of Club 33. But for a taste of that Disney high life, non-members can enjoy an exclusive dining experience at the park. While it's not cheap, it certainly fits the price tag.Just upstairs from the park's Pirates of the Caribbean ride sits 21 Royal, sporting a name and setting fit for a Disney princess. The 19th century inspired venue is designed as if Walt Disney himself meticulously crafted the 1960s-inspired location, with gold floral accents and an Empire style feel.The fine dining experience begins at the Grand Californian Hotel & Spa, where guests receive a VIP escort to New Orleans Square. Once inside, signature cocktails are served by 21 Royal butlers and guests are invited to the patio for a reception.Guests are able to explore the lavish location's different rooms before a seven-course dinner.An extravagant table awaits, where Disney says a "fascinating tale unfolds" through food and drink, with chefs leading the storytelling and dining journey tableside.To wrap up the evening, guests head out on a private balcony overlooking the Rivers of America for dessert, and if timed on the right night, the park's night-time entertainment.Now for the price tag. The exclusive night runs a flat fee of ,000, coming out to ,250 a person for a group of 12. The price includes the meal, tax, gratuity, wine pairings, and cocktails.The experience also includes park-hopper admission tickets for each guest and valet parking at the Grand Californian Hotel & Spa.For those interested in the luxury experience, have patience. The exclusive night requires a reservation and is only offered on a limited basis. 1755

Discussing your salary with co-workers is seen as a taboo subject, but now some people are saying you should be talking openly about how much you make. "I think salaries in the work place have been taboo to talk about for years, and I think that's created a number of problems," says Marcus Ollig, president of the recruiting firm The Advocates. Ollig has been managing employees for years and believes transparency is important. However, he says, sharing your salary with co-workers is not the way to go about it. "You may hear that you are actually paid more than the person you're talking to, and now they ask you the question back, and now, you might not want to share because you don't want to make them feel bad," explains Ollig. Many people we spoke with say they want open dialogue and feel it's healthy in the workplace. However, Ollig says the real question you should find out is are you being paid what you're worth?Instead of going to your co-worker, Ollig recommends going to your boss. They are the only person who can tell you your worth in the company, Ollig says.But before you do, first do some research. Go to online sites like Glassdoor, Pay Scale and The Bureau of Labor Statistics. Those sites will show you the average pay range of someone in your position. "Speak to a really legitimate recruiter or temporary staffing agency, depending on what you do, because they have data on every job that they service," suggests Ollig. Once you're equipped with the knowledge, then it's time to speak to your boss."If your employer says, 'You are doing great, but there is no way I can get you from x to y,' then maybe talk about different positions, if you like the company" Ollig says. "And if that's not a possibility, maybe it's time to move on." 1857

Do you have an iPhone? There's a lot of confusion these days over its COVID-19 tracking feature.Some people want it, some don't, and a lot of us are just plain confused.Yes, it's true: Apple's iOS 13.5 update over the summer added a COVID tracking feature to your iPhone.But that doesn't mean the government is spying on you, according to both Apple and reports in the tech blogs ZDNet and 9 to 5 Mac.You will need to activate the system with help from a local health department.You can find it by going Settings > Privacy > Health.Once in Health, look for COVID-19 exposure logging. It explains that an "authorized app is required" to turn the feature on. (9 to 5 Mac has more detailed instructions)Is Apple secretly tracking you?But from the doesn't that stink file, fears that Apple is secretly tracking you for exposure to the coronavirus.First of all, if your location services are "on," your phone keeps a record of everywhere you have been. That is not new, and has been an issue for years. But there is no truth to rumors that Apple -- or the government -- is checking to see if you are near people infected with the coronavirus.You have to turn the feature on for that to happen.And people with the virus would have to turn on the feature too.No smartphone can simply sniff out the virus out of the air. If so, they could warn us if we are near someone infected (now THAT would be a great feature).Bottom line: No one is tracking your iPhone for COVID exposure, unless you want them to.As always, don't waste your money.______________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 1857