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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 was a scary situation. A motorist flagged down deputy Jeremie Nix on Wednesday, saying their 3-month-old child was not breathing. If not for Nix being at the right place at the right time, the baby named Kingston might not have survived. According to the Marion County, Florida Sheriff's Office, Nix performed "life-saving measures" on the child, such as chest compressions. After Kingston remained unresponsive, Nix took the child to a nearby hospital. Within minutes, doctors were able to treat Kingston. Doctors told the sheriff's department that Nix's swift actions saved the child's life. By Thursday, Kingston was out of the hospital and back home with his mother.  717

INDIANAPOLIS — It has been quite a journey for Kari Wegg.She had been working tirelessly as a NICU nurse at St. Vincent Hospital in Indianapolis for more than 25 years when she found herself fighting for her own life with COVID-19 in that very same hospital.“It’s devastating. I never thought something like this could happen to me,” Wegg said. “It’s been so hard because I was healthy, and I thought if I ever got it, I would be fine.”Wegg first got sick in June and diagnosed with pneumonia. Then in July, she, her husband and two children tested positive for the coronavirus.“I do work in a hospital,” she said. “My husband also works in a hospital. It’s very possible we got it from the hospital.”Her family had mild symptoms and recovered quickly. However, Wegg did not.“It’s been since July since I’ve seen my boys., and I haven’t been able to hug them or love on them, and they miss me so much,” Wegg said.Wegg was put on a heart and lung bypass machine on Aug. 19. She says her doctors discussed removing care.“Their dad had to sit down and tell them their mother might die, and they’ve had to try and cope with that,” she said.But Wegg says her husband wouldn’t give up. Calls were made, and she was transferred to Northwestern Memorial Hospital in Chicago on Sept. 5 for a double lung transplant.Northwestern was the first hospital in the country to perform a double lung transplant on a COVID-19 paitnet, and Wegg was only the sixth such patient to undergo the surgery.“I am eternally grateful to the family of my donors,” Wegg said. “I don’t know anything about them or how they died but they gave me the gift of life.”Grateful to be alive, but devastated financially with non-stop medical bills, she suffers in her bed, while her fellow healthcare workers continue the fight. Wegg says she even has coworkers who have died of the virus.Wegg says she's praying that more people take the virus seriously."I’m hoping my message as a nurse who didn’t expect any of this can get out there and bring it home to people who don’t necessarily want to wear a mask or want to isolate themselves or quarantine," Wegg said. "This is real.”Wegg's sister has launched a GoFundMe to help cover the family's mounting medical costs. To donate, click here.This story was originally published by Stephanie Wade on WRTV in Indianapolis. 2336

INDIANAPOLIS -- It was a busy day for police in Greenwood, Indiana on Monday after three accidents involving trains left three people injured. The three are expected to survive. No one was seriously injured in any of the crashes. The first crash happened around 12:30 p.m. in the 700 block of Pushville Road near E. Worthville Road. Police said no one was injured in the crash but the car was destroyed. The second crash happened just before 4 p.m. on County Line Road just east of Madison Avenue. Police said a woman driving a car came up to the intersection where a train was passing through and for some unknown reason did not stop. The woman driving the car was taken to the hospital with unknown injuries but is expected to be OK. The third crash happened near the same intersection.Police have not released many details about the crash but said that the person inside the vehicle was awake and talking when they arrived. That person was taken to the hospital with unknown injuries. All three crashes remain under investigation. MORE TOP STORIES |?Pet raccoon, stoned off of too much weed, brought to Indianapolis firehouse. Confusion ensues.?|  Large fight at Sikh temple in Greenwood leaves nine injured | Accused killer of Boone County sheriff's deputy sharing photos on social media from behind bars | Police looking for 2 women connected to 1-year-old Malaysia Robson's death | 2 dead, child injured in Westfield crashTop Trending Videos 1565

Ind. Code § 16-35-6 allows a woman to breastfeed her child anywhere the law allows her to be. (HB 1510). Ind. Code § 5-10-6-2 and § 22-2-14-2 provide that state and political subdivisions shall provide for reasonable paid breaks for an employee to express breast milk for her infant, make reasonable efforts to provide a room or other location, other than a toilet stall, where the employee can express breast milk in private and make reasonable efforts to provide for a refrigerator to keep breast milk that has been expressed. The law also provides that employers with more than 25 employees must provide a private location, other than a toilet stall, where an employee can express the employee's breast milk in private and if possible to provide a refrigerator for storing breast milk that has been expressed. 820