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After a thorough investigation by the NYPD’s Manhattan South investigators, it has been determined that there was no criminality by shake shack’s employees.— Chief Rodney Harrison (@NYPDDetectives) June 16, 2020 219

A woman in New Jersey is facing aggravated assault charges after fracturing a woman's leg over an argument on how to wear a face mask properly, Hackensack Police Department said.Officials say the incident happened at a Staples in Hackensack.Police say Terri Thomas was shown on a surveillance video approaching another woman, who was using a cane, who had told Thomas that her mask wasn't covering her face correctly.Video then shows Thomas grabbing the victim and throwing her to the ground, officials stated.Police said the victim, who had just recently had liver transplant surgery, fractured her leg, which required her to have surgery again.Police arrested Thomas, who is set to appear in court on August 24, officials said. 738

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

After a record drought that featured no major (Category 3-5) hurricane landfalls in the United States, 2017 roared to life, reminding everyone how powerful and destructive these monster storms can be.The drought lasted more than a decade and ended with not one, but three major hurricanes striking US soil: Harvey, Irma and Maria.Those three storms all rank among the top five costliest in history. With the 2017 season still fresh on the minds of many coastal residents, the question is: What will 2018 bring? 518

A woman is accused of breaking into a Paradise Valley home, bathing in the homeowner’s bathtub, and sending tens of thousands of disturbing text messages to the man’s phone after the pair went on one date.In July 2017, 31-year-old Jacqueline Ades was found parked outside of the victim’s home, police said. The man also accused her of repeatedly texting him, despite him saying he no longer wanted to talk to her. Officers found Ades still outside the victim’s home when they arrived and told her to leave, officials said. Shortly after, the man started to receive threatening text messages from the suspect. Police received a similar report in December from the same residence, but officers were unable to locate her.On April 8, the victim called a detective a third time, saying he was out of the country, but saw Ades in his home while checking his home surveillance video. When officers arrived at the home, the woman was taking a bath, police said. A large butcher knife was discovered on the passenger’s seat of her car, court paperwork said. She was taken into custody and charged with trespassing.After Ades was released from jail, she allegedly started sending more threatening text messages to the victim — some of the messages alluded that “harm may come to him,” authorities said.Less than three weeks later, the victim called authorities to report receiving multiple threatening text messages from her, court documents said. The man also explained that they met on a dating website, and after one date Ades began stalking and harassing him.Ades allegedly sent about 65,000 text messages to the man’s phone. The victim said that she sent about 500 text messages to him a day, court documents said. In one of Ades' messages, she allegedly stated, “…Don’t ever try to leave me…I’ll kill you...I don't wanna be a murderer." She also said that she wanted to wear his body parts and bathe in his blood, court paperwork said.On May 4, police were called to a business in Scottsdale after passersby reported Ades "acting irrationally and claiming to be the owner's wife," police said. The owner of the business is the Paradise Valley homeowner.Ades was arrested on Tuesday on charges of threatening, stalking and harassment.While being questioned by police, the suspect explained that she sent the man text messages all day but he never responded, court documents said. She said that she threatened him because she was worried he had called police to report her behavior. The woman is also accused of admitting that she threatened him because she didn’t want him to leave and because she loved him, court paperwork said. She allegedly admitted to knowing her statements were “crazy” and plans to return to Florida once she's released. 2792

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