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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 is only 9 in the morning, but the sun in Little Rock, Arkansas is beating down on the pavement as it does this time of the year.It is uncomfortably muggy, so 78-year-old Elizabeth Eckford elects to walk in the shadows of the trees that line Central High School.It is a place she’s grown comfortable with over the course of the last 50 years as she’s remained mostly silent about her experiences as a student at the school.“Talking about the past is a walk through pain,” she said. “It was very, very difficult. I had felt so terribly, terribly, terribly, alone,”Elizabeth was one of the nine black students sent to attend the all-white school on the first day of desegregation in 1957, the resulting reaction of the town has become known as the Little Rock Crisis.Many might recognize Elizabeth’s picture taken by a news photographer that day."At one point [the mob of white students] said get a rope, as I was walking, let’s lynch her,” Eckford recalls. "It was a very frightening, a very threatening time.”Elizabeth endured the harassment until she reached the doors of the high school, but was turned away by National Guardsmen. Alone, she remembers wondering what to do next as she walked over to a bus bench a block from the school.“I remember that bus bench meant safety to me,” Eckford recalls. "There was a pack of reporters and photographers in front of me walking backwards and asking me questions. I didn’t say anything because I was afraid if I opened my mouth I would cry in public.”Over the course of the next 50 years the words that berated Elizabeth manifested into PTSD. The school, that picture, crowded hallways; they would all elicit panic and anxiety. It wasn’t until 1997, when Elizabeth began sharing her story with students at Central High School that she started to heal.“They were very patient with me,” she said. "When I would cry they waited and gave me a chance to resume. It meant that to them I was a human being.”Today, Elizabeth Eckford speaks at national conventions and remembrance events of that first day of desegregation. She says walks by the school and crowded hallways no longer elicit anxiety.She also remains modest in her triumph and dedicated in her pursuit to help others."I point out that [students] can just reach out to support someone who is being harassed,” she said. "Just treat that person in a way that you would want to be treated. That can be very powerful. It was very powerful for me." 2454

It’s time to come together. America has spoken and we must respect the decision. More unites us than divides us; we can find common ground. I hope the president-elect can embody this. I wish him good luck and I wish the president a successful final few weeks. God bless the USA!— Rep. Will Hurd (@HurdOnTheHill) November 7, 2020 336

Instagram is continuing its efforts to combat bullying on the platform.On Tuesday, the company said it is starting to use new machine learning technology to proactively detect bullying in photos and captions. Those posts will be sent to Instagram's Community Operations team for human review."Online bullying is complex, and we know we have more work to do to further limit bullying and spread kindness on Instagram," Adam Mosseri, the new head of Instagram, said in a blog post.Mosseri was named Instagram's chief last week following the exit of co-founders Kevin Systrom and Mike Krieger. This is Mosseri's first announcement in his new role.An Instagram spokesperson said the technology can detect bullying and harassment such as attacks on a person's appearance or character and threats to someone's wellbeing or health.For example, the tech can identify bullying tactics such as comparing, ranking and rating images and captions, such as a split-screen image in which a person is compared to someone else in a negative way. It's unclear what else the technology can detect and whether it would work on images without captions.This feature has started to roll out and will continue to in the coming weeks.The company, owned by Facebook, is also launching a "Kindness Camera Effect" in partnership with dancer Maddie Ziegler. Anyone who follows Ziegler will have the camera effect automatically. In selfie mode, hearts will appear on the screen. In rear mode, kind comments in different languages will appear. You can tag friends, too.Earlier this year, Instagram announced it would filter out bullying comments that aim to harass or upset users. That feature built on a tool introduced last year that blocks offensive comments, and a filter that removes spam in comments. Starting Tuesday, the bullying comment filter will also apply to Live Videos on Instagram.Users can also turn off comments on individual Instagram posts and block posts with certain keywords. 1975

In May, most chain restaurants will have to post calories on their menus. Some restaurants already do adhere to the new federal requirement. But just how accurate are these calorie counts? People like Jodi Rogers, a realtor who tries to eat healthy and exercise a few times a week, says she doesn't count every calorie but she finds calorie listings helpful when ordering. She admits sometimes she feels bombarded by all the numbers. "I see them pretty much everywhere I go, I feel like," she said. "I think it gives you a little bit of guidance as to what you're looking at and what you might actually be consuming."The test included calorie counts on three items from three national chains. The test included two club sandwiches with fries from Denny's. The menu said there would be 1100 calories in each order. McDonald's promised 540 calories for its signature Big Mac. The test included two sandwiches and no sides. The test also included two Steak and White Cheddar Paninis from Panera. Each should have 940 calories.The food was taken by The Now to a lab for testing. The technician ground up and scientifically analyzed the food to find out how many calories were in each. The results showed that the menus can sometimes be inaccurate.At McDonald's, the 540-calorie sandwiches came out just slightly higher at 581 calories and 552 calories. That's not much of difference, said dietitian Jessica Crandall. "If the recipe calls for a teaspoon of mayo put on a sandwich, maybe when the person in the line who is making the sandwich uses a tablespoon instead," said Crandall.At Panera, the food didn't come in over; it was exactly the opposite. The sandwiches were expected to have 940 calories but measured in with 149 fewer calories and 205 fewer calories.At Denny's the sandwich and fries should have been 1100 but both were over, one by 180 calories and the other by 110.Crandall said, "It's an extra two or three hundred calories. If someone is trying to lose weight that can actually hold their weight loss."Think of it this way: Jodi would have to work out for an extra 18 minutes just to burn those extra 180 calories.No one regulates whether menus are accurate. The FDA says restaurants must explain how they came up with the calorie results only if the FDA asks. The FDA says the requirement to list calorie counts on menus "applies to restaurants and similar retail food establishments if they are part of a chain of 20 or more locations, doing business under the same name, offering for sale substantially the same menu items and offering for sale restaurant-type foods."Jodi says she doesn't expect every restaurant to be perfect and she still plans to use calories listed on the menu for some general guidance and will keep exercising. "I think you have to give yourself a little bit of wiggle room and realize that whoever's preparing the food probably isn't getting exactly the same serving size and it might not be exact same food as what was provided in their test kitchen," she said. 3129