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It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

It may not be a hospital, but these essential workers are on the frontlines teaching children while schools are shut down and relieving parents who can’t work from home.“We can be open for those parents who have nowhere else to go, who have no one else to turn to,” said Katie Taves, the lead teacher for remote learning at Boingo’s Academy in Visalia, California.This program is making an incredible impact on parents like Lorraine Filimeno. The single mother of five is also an essential worker. She helps families sign up for unemployment benefits and financial assistance.“We are out in the community. We deal with people every day, but we’re also parents,” said Filimeno.When schools closed, Filimeno needed some help herself figuring out how to balance work and her kids’ remote learning.“My employer wasn’t going to wait for me. You know, everyone is replaceable,” she said. The mother was worried she might end up needing help from her own office. “Was I going to have to get on unemployment? I had seen people come into our office and start asking for applications and being worried, and I said, ‘Is that going to be me?’” recalled Filimeno.She reached out to the day care her daughters went to for after-school care and found the teachers were ready to help.“If it wasn’t for child care like Boingo’s, I don’t know what I would do,” she said.Before COVID-19 hit, a large part of the day care was used as an after-school playground. Now, it’s turned into a remote learning classroom for dozens of students in different schools and grades.The Boingo’s Academy pre-school got a waiver from the state to take on extra elementary school students for all-day distance learning and spots filled up almost instantly.“Some of these kids can’t even read yet, let alone find the link you’re telling them to find. They need somebody there with the computer,” said Taves.This relief comes with a cost. For Filimeno, keeping the career she loves and paying for childcare meant training for a second job.“Without a second income, I cannot afford childcare for 40 hours a week for three kids. It’s very costly," she said. "I know there’s resources out there for me-- cash aid and food stamps--but as I’ve worked for over 25 years. I had gotten off of those assistances."Now, the single mom is worried, like so many parents in her shoes, that COVID-19 will erase her years of financial stability.“When this all hit, it felt almost like I was rewinding my life. I wanted to give up as a parent and say, ‘I’m done with working. I can’t afford this.’ But you look at your children, and you say, ‘I gotta get back together, I gotta get going,” said Filimeno.The mother even battled COVID-19 and was sick for a month, but now, she is back to work and is making sure she can provide for her kids.With the many layers of stress falling onto parents and teachers, the children have a tough time, too.“When I see a child not able to follow along, it’s heartbreaking,” said Taves. “Sometimes, it just becomes so overwhelming and they’re just not able to do it, and there’s not much I can do but encourage them. Their little spirits get broken; it’s so sad."But, these teachers won’t give up, and these parents can’t give up, because they’re working for a future only these children can dream up. 3286

In the midst of a political battle over funding for the United States Postal Service, it appears the Department of Veterans Affairs has been looking into alternative delivery services.A veterans group called Disabled Vets of America posted a statement to their website explaining the situation, after they had approached the VA about concerns their members had shared.“The VA has now confirmed to us that the United States Postal Service (USPS), which is responsible for delivering about 90% of all VA mail order prescriptions, has indeed been delayed in delivering these critical medications by an average of almost 25% over the past year, with many locations experiencing much more significant delays,” the statement posted to the DAV’s website states.The VA acknowledged it was looking into delivery services outside the USPS in an email exchange with the DAV, according to CNN.“To help mitigate these postal delays, the VA has been forced to switch to alternative delivery services in a number of areas across the country and is taking other actions to expedite processing and delivery of prescriptions,” the statement from DAV reads.The VA has had an increase in demand for mail-order prescriptions during the coronavirus pandemic, they told CNN. Explaining that the VA has always used a “variety of prescription delivery methods to ensure timely delivery.”Spokesperson Christina Noel said they monitor prescription delivery times throughout the country. 1467

Inmates in Iowa's correctional system are suing the state to strike down a recently passed law that has banned pornography in prison, CNN affiliate KCCI reported. Iowa attempted to pass a similar law 30 years ago, but a federal judge struck the law down for being too vague. One expert told KCCI that the new law is more specific, and will likely withstand judicial review. "Prisoners generally have rights to access -- absent some incredibly dangerous person -- (including) reading materials," Drake University Constitutional Law Center Director Mark Kende. "And they have constitutional rights, even though they're in prison, the rights are diminished, but they have them."The law eliminates both viewing porn within individual jail cells, and in pornography reading rooms. Among the lawsuit, 58 inmates have joined the lawsuit, and are also asking the state to pay them ,000 each in damages.  931

IRVINE, Calif. (CNS) - Thousands of Irvine residents evacuated due to the Silverado Fire were returning home Wednesday morning as firefighters worked to contain the blaze, which injured two firefighters and has blackened 13,354 acres, and containment has increased from 5 to 25%, authorities said."Today, fire crews will reinforce existing controlled lines," a Cal Fire spokesman said. "With favorable weather, fire crews will find opportunities to establish more control lines."And so far, though more than 69,000 buildings were threatened by flames, none were destroyed.This follows a night of moderate fire behavior as red flag conditions -- high winds, low humidity and dry vegetation -- ended, according to the agency.According to Orange County Fire Authority's Steve Concialdi, who serves as spokesman for the Silverado Fire, residents in the following areas of Irvine were cleared to return:-- Residents south of Portola Parkway and west of the 133 Toll Road, as well as those east of the 133 Toll Road to Portola High School-- From north of Great Park Boulevard to Irvine Boulevard, including the commercial area west of Bake Parkway and south of Irvine Boulevard to Toledo Way-- South of Portola Parkway, east of the 133 Toll Road and west of AxisIrvine Boulevard between Axis and Alton Parkway remains closed, Concialdi said.The repopulation was a "testament to the hard work of all firefighters on the ground and in the air that have worked hard the past two days to protect life and property," Concialdi said, adding that no homes have been damaged or destroyed as a result of the Silverado Fire.At its height, 70,000 people were under evacuation orders in Irvine and another 9,500 evacuated in Lake Forest, according to the OCFA and Lake Forest officials. It was unclear how many residents remained evacuated.About 1,200 personnel were assigned to fight the fire, Concialdi said.At least 14 helicopters and fixed-wing aircraft battled the fire, according to OCFA Chief Brian Fennessy, who said the California Department of Forestry and Fire Protection would take command of the Silverado and Blue Ridge fires.The fire erupted at 6:47 a.m. Monday in the area of Santiago Canyon and Silverado Canyon roads in the Santa Ana Mountains.Late Monday, Southern California Edison told California officials that a lashing wire may have contacted its overhead primary conductor, sparking the fire. SCE sent a letter to the California Public Utilities Commission on Monday night acknowledging it had overhead electrical facilities in the area where the blaze broke out.Five firefighters have been injured in the Silverado blaze, Fennessy said. Two are in critical condition and the three others have been treated for minor injuries at local hospitals and released, the fire chief said.Those wishing to donate to the injured firefighters can contribute to the OCPFA Fallen Firefighters Relief Fund at http://www.ocfirefighters.org/.Officials have been told the next 24 to 48 hours will be critical in their recovery. They are 26 and 31 years old. Both sustained second- and third-degree burns about 12:15 p.m. Monday, one over 65% of the body and the other over half the body, Fennessy said.Both firefighters were intubated at OC Global Medical Center in Santa Ana, he said.Orange County Sheriff Don Barnes warned "looky loos" to stay out of the area because they can clog up roads needed for first responders to quickly respond to emergencies.The sheriff also said unscrupulous con artists are using the fires to trick residents into thinking they're donating to a good cause, but Barnes said police and fire agencies will never call for donations, so people should hang up on anyone purporting to represent police and fire seeking donations.Evacuation orders have been issued for the Jackson Ranch and Williams Canyon area, the OCFA said. Silverado and Trabuco Canyons along Live Oak Canyon were under evacuation warnings, a spokesperson for the agency said.The OCFA also announced an evacuation warning Tuesday morning for Mission Viejo in the areas of El Toro Road to the north, Marguerite Parkway to the west, Upper Oso Reservoir to the east, and Los Alisos Boulevard to the south. With 554 homes in Mission Viejo under an evacuation warning, the city has opened up the Norman P. Murray Community and Senior Center as a shelter, officials said.Later Tuesday, a mandatory evacuation order was issued for residents of Modjeska Canyon.Temporary evacuation points in the county were at the Brea Community Center, 695 Madison Way; Santiago Canyon College, 8045 E. Chapman Ave.; Woodbridge High School, 2 Meadowbrook, Irvine; Norman P. Murray Community Center, 24932 Veterans Way, Mission Viejo; El Toro High School, 25255 Toledo Way, Lake Forest; and Thomas Lasorda Jr. Field House, 4701 Casa Loma, Yorba Linda.The Brea Community Center, El Toro High School and Lasorda Field House were open around the clock while the others were open until 9 p.m.The Santa Ana Zoo was sheltering about 150 animals from the Orange County Zoo in Irvine Regional Park that were moved out because of both wildfires.Irvine Mayor Christina Shea said the city opened eight facilities to shelter evacuated residents and several quickly filled up.Irvine Police Department Chief Mike Hamel said city officials were working with the American Red Cross to provide overnight shelter for residents with no place to go. The city's animal shelter was open to house pets.According to the city of Irvine, evacuation centers were established at:-- University High School: 4771 Campus Drive-- Woodbridge High School: 2 Meadowbrook-- Las Lomas Community Center: 10 Federation Way-- Turtle Rock Community Center: 1 Sunnyhill-- University Community Center: 1 Beech Tree Lane-- Quail Hill Community Center: 35 Shady Canyon Drive-- Los Olivos Community Center: 101 Alfonso-- Harvard Community Center: 14701 Harvard-- Rancho Senior Center: 3 Ethel Coplen WayAll schools in the Irvine Unified School District are closed Wednesday.Tustin Unified schools will operate on a normal schedule, except for special education classes, which will be conducted online, the district said.Road closures as of Tuesday included the 133 Toll road northbound between the Santa Ana (5) Freeway and 241 Toll Road, and southbound between the 241 and the Santa Ana Freeway. The 241 Toll Road is closed northbound from Oso Parkway to the Riverside (91) Freeway and southbound between the 91 and Lake Forest Drive.The 261 Toll Road was closed northbound between Irvine Boulevard and the 241 and Santiago Canyon Road and southbound between the 241 and Santiago Canyon Road and Irvine Boulevard.The Orange County Health Care Agency urged residents in affected areas to stay indoors, limit outdoor activity, keep windows and doors closed and run air conditioners to filter the air. 6821