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Across the United States, at least six children between the ages of 6 to 14 were shot and killed during the Fourth of July weekend.Communities in California, Washington D.C., Alabama, Illinois, and Georgia are reeling as they mourn the passing of Secoriea Turner, Royta De'Marco Giles, Davon McNeal, Natalia Wallace, a 14-year-old in Chicago, and a 6-year-old in San Francisco, who died by gun violence.Secoriea Turner, 8, Atlanta, GeorgiaAtlanta police say Secoriea Turner was in a car whose driver tried to get through an illegal barricade placed near Wendy's restaurant where Rayshard Brooks was shot and killed back in June when at least two people who opened fire on the car she was riding in.A ,000 reward has been offered in any information in her case. Mayor Keisha Lance Bottoms said in a press conference that "enough is enough." 850
Alabama football coach Nick Saban has tested positive for COVID-19 just days before the Iron Bowl. Team physician Dr. Jimmy Robinson and head trainer Jeff Allen said in a joint statement that the positive test came Wednesday morning. The top-ranked Crimson Tide host No. 22 Auburn on Saturday. The statement says Saban has "very mild symptoms, so this test will not be categorized as a potential false positive." According to the Associated Press, Saban has a runny nose, but no major symptoms.He had previously received a false positive before the Crimson Tide's game with Georgia but was cleared to coach in the game by subsequent tests.Offensive coordinator Steve Sarkisian will oversee the football team on gameday, the AP reported. 744

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
All that Lizabeth Birnbaum of Seven Hills, Ohio wanted was a little peace while taking care of her elderly father, but instead, she says she's been traumatized by hundreds of robocalls since the beginning of the year.Birnbaum said it all started when she answered a phone questionnaire, the robocalls started ringing her home phone every day."It's horrible, horrible, and it's every day, morning, noon and night," said Birnbaum."And they're threatening me for money.""The 'do not call' really doesn't help with these robo guys, they know how to get around it."Birnbaum said she contacted her phone carrier, and it helped her set up blocks, but the robo caller just kept turning to other phone numbers."That's when I decided to contact the Federal Trade Commission and file a complaint," said Birnbaum.The FTC reports robocall complaints from Ohio have now reached more than 275,000 annually, more than doubling over the past three years.The FCC recently fined one telemarketer 0 million dollars for tricking consumers into answering robocalls.Cleveland BBB President, Sue McConnell, said consumers should still sign up for the "do not call registry," contact their phone carriers about phone number blocking, but the first line of defense is to ignore the calls, and don't engage the callers in a conversation."If you get a phone call, and you look at your caller ID, and you don't recognize that caller, don't answer it," said McConnell."Because if you answer, now you've confirmed that it's a valid phone number, and that you'll answer."Still, Birnbaum believes more federal investigators are needed to slow down the growing robocall epidemic."It's a shame because a lot of people are elderly, and they take advantage of elderly people," said Birnbaum."Something needs to be done, it's not fair someone should be invaded in their own homes." 1935
ALEXANDRIA, Ky. — One northern Kentucky family honored their lost wife and mother by paying it forward to brighten the morning of dozens of people.The Peters family celebrated what they called "Family Friday," where every Friday they put aside distractions and did something together."Our family began our Family Friday in the drive-thru at Dunkin'," 11-year-old Davis Peter said."Every Friday, especially when he was out of school, we would make sure we would enjoy time together as a family," Barry Peters, Davis' father, said. Then, in June, Laura Peters, Barry's wife and Davis' mom, died after going into cardiac arrest at 41 years old. "Since then we have learned to walk in a new normal," Barry said. Barry and Davis wanted to honor Laura, so they made a trip to Dunkin'.Laura "ran on Dunkin'," Davis said, getting coffee there at least four times a week. With that in mind, Davis and Barry did some math to figure out how much Laura would have spent at Dunkin' over six months."Since it's been six months, that would be four medium coffees a week at a piece for the last 26 weeks, equaling 8," Davis said. Barry and Davis then made a trip to Dunkin' with that money."I need you to take the 8; that's how much coffee she would have drank over the last six months," Davis said. "I need you to pay for everyone behind us until it runs out."Barry and Davis then watched from the parking lot as cars rolled up and ordered their morning cup of Joe."Every time somebody pulled up and we'd say, 'You're paid for,' everybody's mouth just fell," Amanda Jones, a shift leader at Dunkin', said. "Then when we told them why, what had happened, everybody was teary-eyed.""I don't remember one person who didn't honk their horn and be thankful," Davis said. "It was just really cool to watch people's reactions and be thankful for it..."This story originally reported by Ally Kraemer on WCPO.com. 1907
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