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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’s a sight to behold. Three of the most influential men in the Confederacy--Jefferson Davis, Robert E. Lee and Stonewall Jackson-- are carved into granite that is 400 feet above the ground. It’s called Stone Mountain, and it’s the largest monument to the Confederacy in Georgia and in the world.“Under state law, this park is established as a confederate memorial,” said John Bankhead of the Stone Mountain Memorial Association.To community activist Shar Bates, she said this park has different meanings for different people. Ask Atlantans over 50. “They’ll say they were told as kids not to go to the mountain. Talk to people in their 60s or 70s, they’ll say it was a place where the klan was ignited, and if you talk to people under 40, some people love to run up there, but for most of us, it’s a reminder of white supremacy,” said Bates. “It’s a reminder that white supremacy is still going strong in 2020."As smaller monuments of Confederate leaders are torn down across the country, many wonder: should Stone Mountain be next?“The mountain does have a dark history; we don’t deny that,” said Bankhead. “We wish we could turn back the clock and change it, but we can’t, so we have to face it as it is."That dark history fostered in the 1900s by the Venable family. They owned the mountain and signed off on the carving. They were known members of the Ku Klux Klan and granted the group an easement to gather on the mountain for years.“The Venables would allow the Klan to have rallies here,” said Bankhead. From initiations to burning crosses on the top of the mountain, this site was closely tied to the group until the state bought the park in 1958.Dr. Martin Luther King Jr. even mentioned the mountain in his iconic “I Have a Dream” address saying, “Let freedom ring from Stone Mountain Georgia.”“That’s how deeply rooted the racism spurring from the mountain is,” said Bates.The carving was started in the early 1900s, but the first man who carved, Gutzon Borglum, eventually left the project to carve Mount Rushmore.The second carver, Augustus Lukeman, began on the project in 1925 and removed what Borglum had created. The funds for the project ran out in 1928 with the Great Depression. The carving remained untouched for decades.The state bought the park in 1958 and revived the carving project in the height of the Civil Rights movement. The carving was finished in 1972.The sight of the figures hang heavily over Bates’ head. She said she hasn’t been to the mountain in years. “My spirit was unsettled the first time I set foot there,” she said.Tens of thousands of people have signed a Change.org petition to remove the figures from the mountain. Bates is working with local leaders through a task force to see that change realized.“To see people who fought to continue enslaving my people turned into a hero, it makes me feel like I shouldn’t be here. It makes me feel like this government wants us to go back in history,” she said.Bankhead said this conversation of changing the memorial is an ongoing discussion. He said the Stone Mountain Memorial Association agrees the memorial is problematic and not inclusive. He said the association is now figuring out how to make the narrative of this mountain more inclusive.“It’s not like a statue,” he said. “You can’t move it, so it would present a unique problem to remove it, environmentally and financially, so the park is trying to do a better job of telling a better story that’s all-inclusive,” he said. They have not released plans of what that would look like yet, but Bankhead said it is in the works.“The best thing for them to do would be to remove the Confederate generals and replace them with civil rights leaders,” said Bates. “We are in the birthplace of civil rights."The monument and the park are protected by state law, so for any changes to be made, the state would have to sign off. Bates and Bankhead said they are committed to re-writing the story of this mountain to have a more inclusive future.“We’re not saying this will be easy,” said Bates. “Georgia owes its residents the removal of this unless they’re saying we live in a racist state. If we don’t live in a racist state, then prove it.” 4193

It was a warm June night in Arizona, and Scottsdale bars had just reopened after quarantine. Jimmy Flores got a call from some friends, inviting him to go out.“They said, ‘Yeah it’s busy, come on through,’” Flores recalled.The group went out to dinner, then stopped at a bar. “There was about 150 to 200 people there. We had our little table thing, but it was close proximity," said Flores, an entrepreneur who focuses on helping small businesses get PPP loans during the pandemic.Flores said he didn’t wear a mask or social distance, like most others at the bar. “The bar didn’t have enough cups to serve everyone there, so we got impatient waiting for cups, so we decided to just drink and share shots,” said Flores.COVID-19 had shut down much of the country, but on what seemed like a typical night out, Flores wasn’t thinking about the virus.“Before this was happening on the East Coast and in all these other major cities, you’re like, ‘Yeah I guess it’s going on, but nothing’s happening here. I feel like I’m young, I’m invincible to this. I don’t feel like I’m not going to get it.’”About 48 hours later, all that changed.“I woke up in the middle of the night, my body was sweating. I had a 103-degree fever, and I was sick. I felt really, really sick," he described.Flores tested positive for COVID-19. Days later, he ended up in the hospital hooked up to oxygen.“If I breathed in too much, I’d have a massive coughing attack and it led to massive headaches," he said. "And then, when that would happen, I would have panic attacks and collapse my lungs even more."Flores documented on social media both the physical and the mental toll the virus took on him.“I did not take this seriously at all, and now that I have this. I wouldn’t wish it on my worst enemy,” Flores said in a video from his hospital bed. “I couldn’t even go to the restroom, because I would have a coughing attack,” he recalled.He said the time spent sitting alone in his hospital bed left him with a lot of questions. “What is this thing? Why can’t I breathe? Is the hype really real? Because during this time, I didn’t know anyone who had COVID,” said Flores.Cases like his are more common than you’d think. One study by the American Journal for Tropical Medicine and Hygiene found that more than 5,000 people have landed in the hospital and more than 800 people have died around the world from COVID-19 because of misinformation about the virus, and that can come from anything from reading an online article to rumor and stigma in your community.“Especially America, we are a unique country; we’re very individualistic here,” said Flores of the stigma he believes exists across the nation. “For me, it had to take a personal experience to really ingrain into your mind that this is a serious event."Flores is still documenting his recovery to encourage others to sift through the misinformation online. “How can you find truth? I thought it was through sharing personal experiences. But maybe that’s not enough, maybe they have to go through the experience themselves,” said Flores.Flores said he’s had several commenters consider wearing masks or changing their behavior after seeing what he endured, but it hasn’t been all positive.“I was getting hate mail, and I was getting love mail on my social media platforms. People were saying, ‘Oh he’s a crisis actor, he was paid by the government. He looks like he has preexisting conditions, don’t believe him,’” he said.Despite all the opinions and misconceptions about COVID-19, Flores lived it. Now, he says he will live to help others avoid the same pain.“I don’t have any regrets, because if I didn’t go through this experience then I would’ve never had the ability to help other people, thousands of people around the country change their minds,” he said. 3799

It may be the undercard match in 2020, but the battle for control of the U.S. Senate will not be cheap. Democrats are beginning to post fundraising totals for Q2 and numbers show that despite the pandemic, donating to Democratic politicians isn't appearing to take a hit. For example, in Montana, Former Democratic Gov. Steve Bullock announced he has raised .7 million to defeat Republican Sen. Steve Daines, who is also expected to raise millions. Montana is shaping up to be a crucial state for Democrats. Currently, Republicans control 53 seats in the United States Senate. It is looking more likely a Republican will win the Senate race in Alabama which means Republicans will have 54 seats. But they must also defend seats in states like Montana, Colorado, Arizona, North Carolina, Georgia and Maine. Democrats believe it is possible to win five of those races, giving Democrats control. Democrats would also gain control the Senate if they win four of those races and Joe Biden wins the presidency, since the vice oresident casts tie-breaking votes. MONEY TALKS The biggest sign yet that Democrats are focused heavily on the Senate is the race in South Carolina. Trump ally Sen. Lindsey Graham is up for reelection and his race is generally not seen as a competitive, yet Jaime Harrison, Graham's Democratic challenger, announced he has raised over million. While much focus is being placed on Democrats, Republicans are expected to match Democratic numbers when it is all said and done. Many Republican Senators have worked for years to maintain a "campaign warchest" predicting strong numbers from the Democratic Party. For instance in Colorado, Republican Sen. Cory Gardner is estimated to have over million dollars worth of "cash on hand" available to defend his seat. 1799

INDIANAPOLIS -- During this cold and flu season, dentists want you to take extra steps when giving cold and cough medicine to your children.Dentists at Indiana University Health report many of the liquid medications are chock full of sugars, which end up coating teeth.More than 400 of these medicines cause dry mouth, which means they're harder to dilute with saliva.IU Health Dental Surgeon LaQuia Vinson said there are ways to keep your kid’s teeth clean and healthy, “A dry mouth increases the risk of dental decay. It's important when children are taking these medications, that they at least rinse especially right after using them, but stay hydrated as well."Dr. Vinson also recommends if you’re not brushing your child’s teeth in the case that they are under the age of one, use a safe washcloth and water to wipe the teeth.  856