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ALAMEDA, Calif. (AP) — The Oakland Raiders have had talks with the San Francisco Giants about playing home games at AT&T Park next season.The Giants issued a statement Friday confirming the Raiders have expressed "initial interest" in playing in San Francisco in 2019.The Raiders are moving to Las Vegas in 2020 but have no lease for next year. They had been in talks about renewing in Oakland before city officials sued the team over its planned move. The Raiders didn't comment on the talks with the Giants.RELATED: Oakland files lawsuit against Raiders, NFL over 'illegal move' to Las VegasThe Giants said many details needed to be worked out before a deal could be finalized. California played college football games at AT&T Park in 2011 when Memorial Stadium was being renovated.The Raiders played their first four games in San Francisco in 1960 at Kezar Stadium.Rumors have swirled since the possibility of the team not playing in Oakland next year arose. San Diego, with SDCCU Stadium now dormant after the Los Angeles Chargers relocated, has continually been floated as an option, namely by sports reporters and fans.NFL Network's Andrew Siciliano asked Raiders General Manager Mark Davis about the possibility of the team playing in San Diego, to which he replied, "not ruling out anything."Where will the Raiders play in 2019?Mark Davis: "All options are open."Reporter: "Not ruling out San Diego?"Mark Davis: "No. Not ruling anything out."— Andrew Siciliano (@AndrewSiciliano) December 12, 2018 1521

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 being cooped up for months due to COVID-19, Jason Andre is stoked to shred the curl again.This surfer, however, also has concerns about getting back to the beach.“I feel pretty trepidatious about going to any open beaches,” he said.While Andre scouts the best breaks up and down the East Coast, he’s also keeping an eye on coronavirus concerns in his home state of North Carolina.“Things are actually kind of reaching new peaks as far as infection rates and hospitalizations,” he said. “So, it’s a little weird.”Weird and potentially dangerous.With summer here and cities lifting their restrictions, more lifeguards are experiencing more challenges.“We had like 48 water rescues for the weekend,” said Cpt. Tony Wallace of the Carolina Beach Ocean Rescue team.He says strong rip currents have kept his crew busy with rescues and that COVID-19 has changed how his team now handles medical responses.“We have stopped mouth-to-mouth resuscitation,” Wallace said. “So, now we go to a bag valve mask to assist in breathing if need be.”Across the country on the Pacific Coast, lifeguards are working to protect the public and ensure social distancing.“We like to do what we call preventive action work were we direct people to safe areas on the beach before they get into trouble,” said Lt. Claude Panis of the Huntington Beach Fire Department Marine Safety Divison.He says summer is always a challenging time at the beach and that the pandemic has increased the dangers.“I think people have been locked up and they're really itching to get outside,” Panis said. “And of course, the beach is a popular destination.”Panis said when people are in trouble in the ocean the first thing to do is to stay calm and try not to panic.Back on the Carolina Coast, Andre is dealing with challenges in and out of the ocean.“We’ve had a pretty huge influx of Portuguese man-of-war lately which are really dangerous, extremely painful jellys that will sting you,” he said.Andre is looking to stay safe by avoiding marine life and large crowds.“I have a small handful of friends who I will invite to come out on the boat and we will go find a sandbar of own,” he said.Searching for safety by finding a private beach during the pandemic. 2228

Alexandria Ocasio-Cortez just went from bartender to Congress woman. But the youngest member of the House of Representatives says she's having a hard time finding affordable housing on a working-class salary. Members of Congress have to live in their home state and Washington, D.C., where homes are small and expensive. Rent ranges from ,500 to ,800 a month.For New York's Ocasio-Cortez, that means paying rent in two of the most expensive cities in the country.“To live in two major cities at 29 years old, it's not easy for anybody to do until she gets that income that she's waiting for once her job starts,” Steve Gaich, a relator in D.C., says.After winning her election, Ocasio-Cortez told the New York Times, "I have three months without a salary before I’m a member of Congress. So, how do I get an apartment? Those little things are very real."Other members of Congress have admitted to sleeping on cots and couches in their congressional offices, while some share apartments and homes.“I think the sticker shock does take people back sometimes, and they don't realize I’m paying 0 a month for a full house in Kansas or in Iowa, and 0 might get you a shared room in a house in D.C.,” Gaich says.Members of the House make 4,000, and Ocasio-Cortez admits she'll be fine once she starts receiving a paycheck. But is it enough for the average American to afford to serve in Congress?  “I don't think you have to be rich to run for Congress. I think she has shown that's an example of someone that's not that wealthy and doesn't have a lot of support coming financially, so I think she's definitely paved the way for a lot of other normal average working, modest income people to be able to run for Congress,” Gaich says. 1757

ALPINE, Calif., (KGTV) -- Some residents in Alpine are ramping up their yard work after Governor Gavin Newsom proclaimed a State of Emergency for the Calfornia's most wildfire-prone areas. Alpine residents have a name for yard work. "It's a necessary evil. We have to clear it out," Jonathan Hesse said. 10News met Hesse as he and his son Ben were raking brush and chainsawing a dead tree on their front yard. "The drought, they [the trees] couldn't handle it anymore. So they died," Hesse said, pointing at the row of what used to be lush trees. He said the time had come to chop them down because he was sure they would ignite his entire 2.5-acre property. In the last two decades, the Hesse's have had three close calls. Their last evacuation was the 2018 West Fire. Luckily, they survived, as did their home. But they are not taking chances. "This year, there's a lot of weeds, and that's going to be tough to keep up with," Hesse said. Luckily, he has a helpful son and a sturdy tractor to help with the clean-up process. They will eventually put their large pile of dead logs and branches through a wood chipper to make mulch. Thanks to the work they did today, the flammability of their home is much lower than it was yesterday. "That's one thing we want to do. We want to make sure it doesn't get out of control," Hesse said. This week, CalFire-San Diego posted a video to remind residents to clear up brush and create defensible space.For more information, click here. 1487