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Across the U.S., employees at a large media company are working to put books in the hands of children living in poverty.That company — E.W. Scripps — is inviting the public to help.The Scripps Howard Foundation’s annual “If you give a child a book …” literacy campaign has started and will run through the end of August. The literacy campaign has distributed more than 100,000 new books to children across the country since 2017.Now in its third year, the campaign is a partnership of the Foundation, employees of The E.W. Scripps Company and donors who provide matching gifts to advance childhood literacy by increasing access to books. ?Every dollar raised during the “If you give a child a book … ” campaign is used for the purchase of books for children who need them most. Books are purchased at cost through a partnership with Scholastic Book Fairs, further maximizing the purchasing power of every donated dollar.Following the campaign, Scripps news organizations choose a local nonprofit group that works with children and families to receive the books. In addition, the TV stations air stories about the importance of literacy and how to get involved, further amplifying the impact of the campaign.“There is an intrinsic link between the ability to read and a child’s ability to succeed in life,” said Liz Carter, president and chief executive officer of the Scripps Howard Foundation. “By helping children learn to read, we can assure they can have the tools and information they need to reach their potential.”Books presented to program partners on National Reading Day on January 23, 2019.Visit http://ifyougiveabook.com for more information on how to give to this the campaign. 1703

ALPINE, Calif. (CNS) - Lions Tigers & Bears, a big cat and bear sanctuary in East San Diego County, announced Thursday it has reopened for public and member visits.The 93-acre sanctuary and educational facility -- home to more than 65 animals -- in Alpine is welcoming visitors back for visits, exclusive behind-the-scenes tours and "Feed with a Keeper" experiences."Our sanctuary is different than most zoos and animal facilities -- especially those featured in Netflix's chaotic Tiger King docuseries -- as we are a strict no-contact facility," said Bobbi Brink, Lions Tigers & Bears founder and director. "This allows us to provide a safe and peaceful existence for our rescued animals, just like they'd have in the wild, and our vast encounters and limited numbers of guests allow for appropriate distancing for visitors for health and safety with a more up close and personal view of the animals."The nonprofit sanctuary, led by Brink, has coordinated rescues for more than 600 big cats, bears, wolves and other exotic animals across the U.S. in need of permanent refuge and lifetime homes at reputable sanctuaries, including Lions Tigers & Bears.Lions Tigers & Bears is enforcing guidelines, including limiting tour sizes, requiring face coverings and a six-foot physical distance between visitors, volunteers and staff. 1350

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

After losing a child to a drug overdose, one mother prepares to save others through a program to teach people how to handle the anti-overdose drug Narcan."Maybe I'll be at the right place at the right time for somebody else," Pat Jorgensen said.Pat's daughter, Tiffany, died five years ago at the age of 29. She's left raising Tiffany's daughter."Not a day goes by that I don't think of her and miss her," Pat said. "When someone gets engrossed in a drug addiction, it's really hard coming out of it. It's the hardest thing to get off of. As her mother, I will always feel like what did I do? Maybe I did something wrong? It's been a very hard road. The whole family has been through a lot. It's not something you just get over."Pat and her son were among dozens who showed up to receive free Narcan, and training on how to use it to potentially save a life.The training session was held at the Water Tower in Milwaukee's Bay View neighborhood Wednesday night. In this case, the Aids Resource Center of Wisconsin (ARCW) has a Prevention Department that provided the free Narcan and training. The organization often gets requests from community and church group to host training sessions at no cost.Everyone who attended the meeting went home with three syringes and three vials of Narcan, as well as reminders on how to properly use it. 1349

After Columbine, it was hard to imagine things getting much worse.At the time, the shooting at a Colorado high school was the deadliest school attack in US history. But then came Virginia Tech, and Sandy Hook.With 13 victims dead, it was also one of the deadliest shootings overall. But then came San Bernardino, Orlando, Las Vegas and Sutherland Springs. 363