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Tacked onto the coronavirus stimulus bill is new legislation tackling one of the most controversial practices in health care – surprise medical bills.That's when you go to the hospital or have an elective procedure and then later find out some of the doctors or facilities were out of network, meaning you could owe tens or hundreds of thousands of dollars.The most impactful part about the legislation is that patients would no longer get those surprise out-of-network bills for emergency care or for a planned procedure. They will instead be billed an in-network rate.Out-of-network providers would have to give patients a heads up on estimated charges, at least three days.Air ambulance companies would also not be able to charge more than in-network costs. Ground ambulances were not included.Insurance and providers have to go to arbitration to work out the final payment. It's a complex solution advocates say could end up costing Americans more in the long run.“So, a mediation process that some states have put in place, but research has shown that it increases the likelihood that consumers face higher premium costs on the back end,” said Clare Krusing with the Coalition Against Surprise Medical Billing.That Coalition had been pushing for policies that, in their simplest form, would have essentially made in and out-of-network rates the same. Savings that in-part would have funded community health centers.“Not only is that approach the cleanest way of dealing with this, but it also saves the patients and taxpayers the most money, who are going to save billion over 10 years.The group plans to continue to push for more terms around that arbitration process to prevent abuse, driving up costs.None of the new surprise medical bill legislation takes effect until January 2022. 1803

Stephen Miller became the latest member of the Trump administration to test positive for the coronavirus, CNN and the New York Times reported on Tuesday. 162

Stocks fell sharply Monday, dragged down by reports of trouble at Apple and Facebook.The Dow closed down 396 points and the Nasdaq tumbled 3%.Facebook stock fell nearly 6% as the company continues to deal with the fallout from a New York Times article that detailed Facebook's reaction to political scrutiny and its Cambridge Analytica scandal. CEO Mark Zuckerberg has reportedly adopted a more aggressive, "war"-like style, according to the Wall Street Journal.Alphabet was also down 4%. It is now down 20% from its peak in July, placing it in bear market territory.Early in the day, stocks fell on news that Apple's newest line of phones may not be selling as well as Apple or its investors had hoped.Apple's stock fell once more after the Wall Street Journal reported that Apple has cut orders for its iPhone XR, iPhone XS and iPhone XS Max.The new iPhones, which Apple unveiled in September, cost more than previous versions. The 9 iPhone XR is the least expensive new iPhone, but it costs more than last year's cheapest model, the iPhone 8.The iPhone XS Max can cost up to ,449. The higher prices -- without many more features -- could be driving customers to keep their current phones longer or buy last year's models.Apple declined to comment about the Journal story or broader concerns about iPhone demand.Shares of Apple fell 5% and have now plunged about 20% from the all-time high it hit a few months ago, when Apple (AAPL) was worth more than trillion.The stock ended a 5-day losing skid on Friday after an analyst at Morgan Stanley suggested that the supplier concerns are overdone.Apple, which is a member of the Dow, was hurting the blue chips too.Several makers of chips and other components used in iPhones have warned of soft sales and profit in recent weeks, citing sluggish demand for higher-end smartphones.To that end, shares of Apple suppliers, such as Qorvo (QRVO), Broadcom (AVGO), Cirrus Logic (CRUS) and even Apple's key Anrdoid phone rival Samsung were all lower Monday too. Samsung also makes chips for iPhones.Investors have other reasons to be concerned about the future of Apple -— as well as other big tech companies for that matter.Apple CEO Tim Cook said on the "Axios on HBO" show Sunday that he expects Washington to crack down on tech firms in the wake of high-profile privacy scandals, such as the Cambridge Analytica problems that have plagued Facebook (FB)."I am not a big fan of regulation," Cook said to Axios on HBO. "I'm a big believer in the free market. But we have to admit when the free market is not working. And it hasn't worked here. I think it's inevitable that there will be some level of regulation."HBO, like CNN, is part of WarnerMedia, which is owned by AT&T (T). 2745

The Better Business Bureau (BBB) is warning that the number of online puppy scams has risen sharply in 2020. The rise in scams comes as more families seek to adopt pets to ease the loneliness, tension or boredom associated with the COVID-19 pandemic.Scammers are taking advantage of the rising demand by tricking would-be pet owners into paying hundreds of dollars or more to purchase animals that ultimately don’t exist.The BBB says its Scam Tracker has received nearly 4,000 reports of pet fraud so far this year and the bureau projects it will receive about 4,300 reports by the end of 2020, amounting to approximately .1 million in losses. Last year, there were only 1,870 pet scams reported, amounting to just over million.The BBB says it started to see this spike in scams when the pandemic hit the U.S. in the spring. Accordingly, there were more reports in April than in the first three months of the year combined. This trend is continuing into the holiday season as well. The BBB says it received 337 complaints about puppy scams in 2020, which is a dramatic increase from 77 for the same month in 2019.The median loss reported to Scam Tracker this year is 0 and victims between 35 and 55 accounted for half of the reports.With scammers evolving their tactics during these difficult times, the BBB says consumers should exercise extreme caution when shopping for pets online.Data from the Scam Tracker shows that mobile payment apps like Zelle and CashApp are often being used now, whereas Western Union or MoneyGram wire transfers were popular payment methods documented in a 2017 study. Also, the BBB says pet scammers now commonly use online advertising tools, like sponsored links to boost their fraudulent listings in search results.Additionally, the pandemic has given scammers a new tool in their arsenal. Reports show many fraudsters are telling victims they cannot meet the animals before sending money because of COVID-19. To combat this, experts recommend using video conferencing to meet the animal and owner virtually before buying.Scammers have also made COVID-19-related money requests for items such as climate-controlled crates, insurance and non-existent COVID-19 vaccines.Michelle L. Corey, BBB St. Louis president and CEO, says knowing the red flags associated with these pet scams can help consumers avoid heartache and losing their money.The BBB recommends the following when buying pets online:See the pet in person before paying any money. In light of the COVID-19 pandemic, consider a video call with the seller so you can see the seller and the actual pet for sale. Since scammers are not likely to comply with the request, this may help avoid a scam.Do a reverse image search of the photo of the pet and search for a distinctive phrase in the description.Do research to get a sense of a fair price for the breed you are considering. Think twice if someone advertises a purebred dog for free or at a deeply discounted price … it could be a fraudulent offer.Check out a local animal shelter online for pets you can meet before adopting.BBB urges more law enforcement action against pet scammers.The public should help to educate those looking for pets online by sharing BBB’s tips and study.Click here to learn more. 3267

Starting Saturday night, Tropical Cyclone Douglas will approach the State of Hawaii from the east. Increasing chances of heavy rain and strong winds could affect portions of the state beginning Sunday. It is too early to tell which islands will be impacted by #Douglas. pic.twitter.com/F8UXnpAZ7a— National Weather Service (@NWS) July 23, 2020 351