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About 40,000 workers in the airline industry are facing layoffs on Thursday unless Congress comes up with another aid package. Many are worried about how they'll pay for rents, mortgages and food, or for health insurance. A clause in the billion aid package to airlines at the beginning of the coronavirus pandemic prevented them from laying off workers. But that clause expires on Thursday. Some workers are holding out hope that another agreement can still be reached. Congress has been considering a second round of airline aid for weeks, but it’s hung up in the debate over a larger national relief package. 623

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

A Masai giraffe calf died on Tuesday at the Columbus Zoo in Ohio shortly after its mother, Cami, was given an emergency Cesarean section in an effort to save both the mother and calf. According to the Columbus Zoo, veterinarians and zoo staff recognized that Cami was going into labor Tuesday afternoon, but that the giraffe calf was presenting rear hooves first. The zoo said that it is rare for calves to survive when born rear hooves first.That is when a decision was made for veterinarians to enter Cami's stall. It also meant that a webcam of the birth broadcasted by National Geographic was shut off. Veterinarians from the zoo and Ohio State University first attempted to remove the calf manually. When that did not work, they performed the emergency Cesarean section.Unfortunately, their efforts were futile. "Cesarean sections in giraffes are extremely rare and typically conducted as a last resort due to the high risks involved in putting giraffes under anesthesia and successful recovery," the zoo said in a statement. "After the calf was extracted via Cesarean section, the veterinary team found that the calf had serious congenital defects and thus would not have survived even if it had been born front hooves first."The zoo said Cami’s condition was stable, but her prognosis remains guarded as of late Tuesday evening. Zoo staff will continue to monitor her condition. Tuesday's failed birth marks the second giraffe calf the zoo has lost in recent weeks. On November 17, Ubumwe, an 18-day-old calf died at the zoo. The cause of Ubumwe's death remains unknown, and a full pathology report is being conducted to determine the cause of death. According to information from the Association of Zoos and Aquariums, giraffe calves have a 25 percent mortality rate. This is compared to roughly a 50-percent mortality rate for giraffe calves born in the wild, according to the association.  2007

A woman died of COVID-19 while aboard a Spirit Airlines flight between Las Vegas and Dallas earlier this year, according to USA Today and The Washington Post.According to USA Today, the July 24 flight was diverted to Albuquerque, New Mexico after a member of the flight crew reported that the woman was unresponsive. The woman was pronounced dead on arrival.News of the woman's death was announced Sunday by Dallas County Judge Clay Jenkins while giving an update about the virus. Jenkins noted that the woman, who was in her 30s, had underlying health conditions.A spokesperson told USA Today that officials at the Albuquerque International Sunport did not learn until later that the woman had been infected with COVID-19, and treated the emergency as they would any other health emergency.A spokesperson for Spirit Airlines told The Washington Post that the airline has offered condolences to the woman's family and that it is confident in its procedures in dealing with the virus.“Our Flight Attendants have in-depth training to respond to medical emergencies and utilize several resources, including communicating with our designated on-call medical professionals on the ground, using onboard medical kits and personal protective equipment, and receiving assistance from credentialed medical personnel traveling on the flight,” Spirit Airlines told The Washington Post. 1381

AGOURA, Calif. (KGTV) - The movie set ranch featured in the HBO television series “Westworld” and almost 500 other productions was destroyed in the Woolsey Fire, Santa Monica Mountains park rangers tweeted Friday.The piece of Hollywood history, known as “Western Town” at Paramount Ranch, was located in Agoura. With its rolling hills and canyons, it was used to create an Old West look for film and television shoots.Paramount Studios bought the 2,700 acre ranch in the golden era of Hollywood. According to the National Park Service, the permanent Western Town was built in the 1950s and posed as Tombstone, Arizona, and Dodge City, Kansas.In addition to “Westworld”, the set also served as the home of “Dr. Quinn, Medicine Woman” and episodes of Gunsmoke. See a complete list of productions here.WILDFIRES: 10News Complete CoverageThe public was welcome to visit the set’s hiking trails and picnic areas until its destruction.  943