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Air pollution and the loss of homes and lives are some of the devastating impacts of wildfires. But now, small towns are beginning to see a new trend, as wildfires begin to claim one of our most important resources: water.“This district is a big part of my life,” said Rick Rogers, the district manager for San Lorenzo Valley Water District. “This community is; these people in this community.”With bars and restaurants dating back to the 1900s and surrounded by trees over 1,000 years old, many people move to this small mountain town to slow down.“That’s why we wanted to be here,” said Boulder Creek resident Susan Leftwich.But life was disrupted last month when the inching flames evacuated the entire community.“Took out communities of 20, 30 homes in the Riverside Grove community,” recalled Rogers. “We were hard hit.”Home after home annihilated by the unforgiving Complex Fire.“Ah, the last four weeks have been hard,” described Leftwich.Up until a few days ago, Leftwich didn’t know if she had a home to come back to.“When we came around the corner and saw it, it was awesome,” she said.But they would soon learn the havoc wildfires bring even when your home is sparred.“There was no electricity until yesterday, and it’s been four weeks,” Leftwich said. “The water is, don’t drink don’t boil.”With the same force that wiped out neighborhoods, the flames claimed one of the town’s most precious resources.“Pipeline was in great shape; the only thing that really could impact that pipeline was fire and it did,” Rogers said.The fire burned 100 percent of the city’s 7.5-mile water pipeline and ravaged its entire pristine watershed.“You assume water is, you turn on your faucet and there’s water, that’s not always true,” Leftwich said.Rogers says they’re navigating the disaster with help from a community that’s already been through this.“Paradise was 12-18 months, but they had a lot worse contamination. They were one of first agencies to find out about this type of contamination,” Rogers said.Water damage is a growing concern for cities across the burning western part of the U.S. Rogers and other experts believe as the country faces bigger fires that burn hotter and longer, pipelines will suffer more than they ever have in the past.Testing and repairs will continue in the months ahead, but Rogers is hopeful the water will be safe to drink in a few weeks.Still dealing with smoke damage, rotted food, and a lack of clean water, Leftwich and her husband are staying in San Jose in the meantime.Homeowners now live day to day, hopeful a sense of normalcy will be restored. 2598

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

AGOURA HILLS, Calif. (KGTV) — Residents in the area where the Holy Fire scorched thousands of acres in August have been ordered to evacuate as rains hit Southern California.Rainfall Thursday brought threats of flash floods and mudslides to areas impacted by the fire in Orange and Riverside counties. Residents were told they "must go now" on the Riverside County information website. Those areas ordered to evacuate include:AmoroseAlberhillGlen Ivy AGlen Ivy BGlen EdenGraceHorsethief ALaguna AMatriMcVicker ARiceWithrow AMap via rivcoready.org.An evacuation center has been set up at Temescal Canyon High School (28755 El Toro Road in Lake Elsinore) and evacuees can bring large and small animals there and to San Jacinto Valley Animal Campus (581 S. Grand Ave., San Jacinto).A storm system moving through Southern California Thursday is forecasted to dump as much as half an inch to two inches of rain in the region. Video posted on Twitter by Cal Fire Riverside Thursday showed heavy debris flows through the area of Rice Canyon and Glen Ivy Road.Rice canyon at 10:30 a.m. 11/29/2018 #HolyFloodWatch #RivCoReady #CtyLakeElsinore pic.twitter.com/XiZZVh9mfV— CAL FIRE Riverside (@CALFIRERRU) November 29, 2018 1219

After 20 seasons, "Keeping Up With the Kardashians" is coming to an end.Reality TV star Kim Kardashian made the surprise announcement on her social media accounts on Tuesday."It is with heavy hearts that we say goodbye to Keeping Up with the Kardashians," Kim's post said. "After what will be 14 years, 20 seasons, hundreds of episodes and several spin-off shows, we've decided as a family to end this very special journey," the family shared on social media. "We are beyond grateful to all of you who've watched us for all of these years—through the good times, the bad times, the happiness, the tears, and the many relationships and children. We'll forever cherish the wonderful memories and countless people we've met along the way." 744

Actor Ryan Reynolds wanted to help a Vancouver woman find her missing bear. Well, that bear, which had the woman's late mother's voice recorded on it, has since been found!Reynolds tweeted out the good news to his followers on Wednesday. 245