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After trying to net him, trying to coerce him off his blue float, and a myriad of other methods, officers finally created a plan to balance a wooden plank on top of a pool float.2/ pic.twitter.com/prWXOBsxmE— Southlake DPS (@SouthlakeDPS) November 1, 2020 263

ALEXANDRIA, Ind. -- More than a dozen small dogs were rescued from one of the worst cases of animal hoarding officials in Madison County, Indiana say they have ever seen. Madison County Sheriff's deputies responded to a complaint about dogs barking at a home on Trenton Street in Alexandria on Saturday just after 2 p.m. Responding deputies said the smell from the home was so strong that it reached the driveway and the homeowner had to walk around feces to exit the home. Inside the home, deputies found 18 Shih-Tzu and Rat Terrier mixed dogs with severely matted and unkempt fur and fecal matter on the floors throughout the home. The dogs appeared to be well fed, according to deputies but were in need of intensive care. “When we’re called to help with a situation like this, and you can smell the urine from the driveway…you know it’s going to be really bad,” said Maleah Stringer, Director of the Animal Protection League, Inc. (APL), the city of Anderson’s animal shelter. “There has to be some point along the way that people have to realize they can’t handle caring for this many dogs, and they need help. Sadly, too many don’t make that call and the dogs end up paying the price.”Several of the dogs in the home were being kept inside a small bedroom that was covered in mold and feces. The smell of ammonia inside the home was so intense that two deputies had to be treated for exposure. The owner voluntarily surrendered all 18 dogs to the Animal Protection League of Madison County. According to the APL, one of the dogs was in such poor shape that it had to be euthanized.  “We are hopeful the remaining 17 dogs are eventually healthy enough to be adopted," said Stringer. "Right now, we’re looking at about 0 per dog just to get the basic veterinary care. The cost for those with medical issues is going to be even more.”You can follow the dog’s progress and learn more about how you can help on the Animal Protection League of Madison County's Facebook page. 2041

America, I’m honored that you have chosen me to lead our great country.The work ahead of us will be hard, but I promise you this: I will be a President for all Americans — whether you voted for me or not.I will keep the faith that you have placed in me. pic.twitter.com/moA9qhmjn8— Joe Biden (@JoeBiden) November 7, 2020 328

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

Actor Verne Troyer died Saturday at age 49, TMZ reported. Troyer played Mini-Me in the "Austin Powers" movies. Troyer died on Saturday afternoon, his family said in a statement to TMZ. The cause of death was not reported. Troyer had been treated for alcohol poisoning earlier this month, according to TMZ.  359