Roger Federer Defeated By 20-Year-Old Stefanos Tsitsipas in Australian Open

(MELBOURNE, Australia) — Even as his uninterrupted dominance of yore dissipated, even as he took the occasional break, Roger Federer always mattered more often than not in the closing days of Grand Slam tournaments.

Until lately, that is.

Until, at age 37, he was outplayed in the Australian Open’s fourth round by a much younger man, 20-year-old Stefanos Tsitsipas, during a 6-7 (11), 7-6 (3), 7-5, 7-6 (5) surprise that ended Federer’s bid for a third consecutive championship at Melbourne Park.

“I have massive regrets,” said Federer, who failed to convert any of the 12 break points he earned against Tsitsipas, the first player from Greece to reach a major quarterfinal.

This loss makes it a fourth straight Slam without Federer in the semifinals: He skipped the 2018 French Open, was beaten at Wimbledon in the quarterfinals and exited the U.S. Open in the fourth round.

That is his longest such drought since he claimed the first of his men’s record 20 major titles, all the way back in 2003 at Wimbledon.

“Roger is a legend of our sport. So much respect for him. He showed such good tennis over the years. I’ve been idolizing him since the age of 6,” said Tsitsipas, who has worked with Serena Williams’ coach, Patrick Mouratoglou.

“It was a dream come true for me … just facing him,” Tsitsipas said about Federer. “Winning at the end? I cannot describe it, you know.”

Federer was the oldest man left in the field and would have been the oldest quarterfinalist in Australia since Ken Rosewall at 43 in 1977.

Tsitsipas, a lanky guy who kept his scraggly hair in place with a pink headband, was the youngest to make the fourth round this year. He lost his opening match in Melbourne a year ago, when Federer picked up his sixth Australian Open championship.

“For sure, it’s a good win against Roger. I mean, we all know who Roger Federer is, what he has done in tennis. But I still have to keep my focus, keep my concentration on further goals that I want to achieve. That’s a very good beginning. I need to stay humble,” said Tsitsipas, who next faces another player making his quarterfinal debut at a major, No. 22 Roberto Bautista Agut of Spain. “This win is a good milestone, let’s say good first step, as I said, to something bigger.”

At least Federer was able to crack a joke when asked whether Tsitsipas reminds him of a younger version of himself, replying: “He has a one-handed backhand. And I used to have long hair, too.”

And before anyone writes off Federer just yet, remember that folks have kept trying to do that for quite some time, and he has repeatedly returned to title-winning form. After this setback, Federer announced that he would return to playing the clay-court circuit this season, including the French Open after missing it the past three years.

This match was a thriller from beginning to end, both in terms of the high quality and entertaining style of play from both men — something long expected of Federer. The world is still learning what the 14th-seeded Tsitsipas can do.

His soft hands serve him well on volleys, and he is that rare man who will press forward as often as Federer and have nearly as much success. On this cool evening, Tsitsipas won the point on 48 of 68 trips to the net, while Federer went 50 for 66.

The kid served well, too, compiling a 20-12 edge in aces and, more significantly, staving off all of those break chances that Federer earned: two in the first set, eight in the second, two in the third.

In the opening game of the match, Tsitsipas twice was called for a time violation after allowing the 25-second serve clock — new in Melbourne’s main draw this year — to expire. The second such warning resulted in the loss of a serve, and Tsitsipas proceeded to double-fault, offering up a break point to Federer.

Tsisipas erased that chance with a 123 mph (198 kph) serve initially called out, then reversed on a challenge. Federer insisted to chair umpire James Keothavong that they should replay the point, a request that was denied, drawing the Swiss star’s ire.

That would signal a pattern. At each key juncture, either Federer blinked or Tsitsipas delivered something special.

“Hung in there, gave himself chances at some points, stayed calm. It’s not always easy, especially for younger guys,” said Federer, who was trying to reach his 54th Grand Slam quarterfinal. “Credit to him for taking care of that.”

Tsitsipas never even collected a break point of his own until the third set, and the match was nearly 3 hours old when he finally cashed one in, the only one he would need, when Federer pushed a forehand into the net.

The crowd, sensing something special, broke into a chorus of “Tsi-tsi-pas! Tsi-tsi-pas!”

As is often the case when a youngster outdoes an old master, there was buzz about whether this might signal something more meaningful than one result. Each member of the sport’s long-ruling Big Three — Federer, Rafael Nadal and Novak Djokovic — already had dismissed challenges from the next generation at this tournament.

This, though, was different.

Tsitsipas is different.

“I see him being high up in the game,” Federer said, “for a long time.”

Sports – TIME

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Even Roger Federer Needed His Security Pass at the Australian Open

(MELBOURNE, Australia) — Maybe Roger Federer isn’t as famous as we thought.

Turns out that even he must carry his tournament ID to get where he’s try to go at the Australian Open.

Rules are rules, after all.

So what if Federer is a six-time champion at Melbourne Park … the owner of 20 Grand Slam titles in all … a man who’s spent more weeks ranked No. 1 than any other … and one of the most recognizable athletes on the planet?

A video showing Federer stopped by a security guard in a hallway outside a locker room at the Grand Slam tournament made the rounds on Twitter on Saturday, drawing a mix of amazement and amusement.

In the clip, the guard is seen indicating to Federer that he was missing his Australian Open accreditation pass. Players, coaches, officials, members of the media and others are given lanyards with badges that have a name, a photo, tournament role and a bar code that can be scanned at security checkpoints.

Federer didn’t argue. He stood patiently, waiting until he was joined by members of his entourage. That’s when he was allowed to proceed and go through the door.

Saturday was a practice day for Federer at Melbourne Park.

He is scheduled to face Stefanos Tsitsipas in the fourth round on Sunday.

Sports – TIME

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Aryna Sabalenka’s sweaty headband causes Australian Open fan fight

Two stubborn fans at the Australian Open snarled their way to 15 seconds of fame with one of the pettiest squabbles Melbourne Park has seen. A video showing two women arguing and tussling over an item of clothing near the front row of seats on Melbourne Arena on Wednesday is spreading across the Internet. The…
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Serena Williams Returns to Australian Open With Clinical Win

(MELBOURNE, Australia) — Serena Williams jumped straight back in where she left off at the Australian Open, returning for the first time since winning the title in 2017 when she was pregnant with her first child.

Williams conceded only five points in the first set and was completely clinical in a 6-0, 6-2 win over Tatjana Maria, another mom who lives close to Williams in Florida and visits for play dates with their daughters.

It was overwhelming for Maria, who got just two of her first serves into play in the first set and didn’t have game points until she held in the fourth game of the second set. She was in tears as the pair hugged at the net following the match, and Williams joined the crowd in giving the German player a clap as she left the arena.

“Yeah, I think the last time I was here, I was pregnant and playing at the same time — which is insane,” Williams said. “It’s kind of weird walking back on, by myself this time.”

Williams considers the 2017 victory here among the best of her 23 Grand Slam singles titles, giving everything that was going on. Since returning to the tour following the birth of Alexis Olympia, Williams hasn’t added to her list of majors, having lost the finals at Wimbledon and the U.S. Open.

“Literally the best win of my career,” she recalled Tuesday in a post-match TV interview. “Just exciting to be back.”

At Melbourne Park, she’s now on an eight-match winning streak. She’s only lost one of her last 22 matches at the season-opening major, which she has won seven times.

The 37-year-old Williams said she loves to test herself early in the year after practicing “hard for that first hit.”

“I like to jump into the deep end and swim,” she said.

The 16th-seeded Williams will face either Eugenie Bouchard or wild-card entry Peng Shuai in the second round.

Madison Keys opened her season with a 6-2, 6-2 win over 18-year-old wild-card entry Destanee Aiava in the first match on Rod Laver Arena on Day 2.

“I expected it to be tough — obviously playing an Aussie on Rod Laver,” Keys told the crowd. “Thanks for the love, anyway.”

She broke Aiava’s serve four times and fended off the only break-point chance she faced. Aaiva, who was the first player born in this century to play in the main draw of a major when she got a wild card here in 2017, didn’t help herself with six double-faults.

The No. 17-seeded Keys has reached the semifinals or better at three of the last five Grand Slam tournaments, and her focus is on the bigger prizes for now.

“I was having issues with my knee at the end of the year (and) ran out of time to be ready for Brisbane — wanted to be 100 percent for here,” she said of her recent lack of competitive matches. “It’s my first match of the year, so mostly just happy I did everything pretty well.”

Seventh-seeded Karolina Pliskova won the Brisbane International title in the first week of the season and continued her streak by beating fellow Czech Karolina Muchova 6-3, 6-2 to progress to the second round. No. 12 Elise Mertens and No. 21 Qiang Wang also advanced.

Kei Nishikori is feeling a little bit liberated after having to come back from two sets down to beat Kamil Majchrzak in a difficult opener.

The eighth-seeded Nishikori won 10 consecutive games after losing the second set in a tiebreaker and took 15 of the last 17 games before Majchrzak retired with an injury with the score at 3-6, 6-7 (6), 6-0, 6-2, 3-0 at Margaret Court Arena.

“He was playing amazing tennis,” Nishikori said. “I have to be happy going to the next round — I almost lost in the first round, so I have to be positive and get better.”

Among the other men advancing were Ryan Harrison, who beat Jiri Vesely 6-0, 7-5, 6-3, No. 12 Fabio Fognini and No. 15 Daniil Medvedev.

Pierre-Hugues Herbert beat Sam Querrey 5-7, 7-6 (6), 6-3, 6-1.

The temperature was already 30 degrees Celsius (86 Fahrenheit) when play began on all courts shortly after 11 a.m. local time and it rose to 33 C (91 F) by the early afternoon.

Sports – TIME

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‘Will I get my tax refund? Are the national parks open?’ Your questions about the shutdown — answered

The partial federal government shutdown is now the longest ever — with no end in sight.


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‘The Pain Is Too Much.’ Andy Murray Says Australian Open Could Be His Last Tournament

(MELBOURNE, Australia) — A tearful Andy Murray says the Australian Open could be his last tournament because of a hip injury that has hampered him for almost two years.

The three-time Grand Slam champion says he plans to start his opening match against No. 22-ranked Roberto Bautista Agut at the Australian Open, where he has reached the final five times but never won the title.

“I’m going to play (in Australia) — I can still play to the level,” Murray said. “Not a level I’m happy playing at — but also, it’s not just that. The pain is too much really.”

Murray had right hip surgery in January 2018 and, after two brief attempts to return to the tour, played only 12 matches in the year.

He returned at the Brisbane International last week, where he won his opening match but lost in the second round to Daniil Medvedev, showing visible signs of limping between points.

The 31-year-old Murray, who ended long Grand Slam droughts for British men and also won the Olympic gold medal, had hoped to play the first half of 2019 and make a run at Wimbledon.

“That’s where I’d like to stop playing … but I’m also not certain I’m able to do that,” Murray said. “I don’t want to continue playing that way. I’ve tried everything I could to get it right and that hasn’t worked.”

Murray held a news conference Friday at Melbourne Park, and had to leave the room for a while soon after it started to compose himself as he fronted the media.

He said he’s considering another hip operation, more to improve his quality of life than as a way to return to the top level in tennis.

The Australian Open starts Monday.

Sports – TIME

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15 Reasons to Think Twice About an Open Floor Plan

Open floor plans have dominated modern home design since they first appeared in the 1950s as part of the overall trend toward more contemporary styling. Open concept homes skyrocketed in popularity in the 1970s, and by the mid-’90s nearly all new construction incorporated some version of an open floor plan or great room. But after nearly half a century of ascendancy, open concept living has been losing ground as buyers turn to cozier, more energy-efficient houses. Here are just a few reasons you may want to pass on that open floor plan.
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Teens open up on sex to beat ‘toxic’ masculinity

An all-male group urges young men to look beyond traditional gender roles. It aims to tackle toxic masculinity in South Africa.


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Trump Tells GM to Open Ohio Plant and Stop Output in China

General Motors plans to cut up to 14,800 jobs and end production at certain plants, marking the auto maker’s first significant downsizing since bankruptcy as it tries to adjust to lower demand for passenger cars. President Trump said GM should stop making cars in China and make them in the U.S. instead, in an exclusive WSJ interview.
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This human-like robot wants you to open up

LONDON – Furhat tilts his or her head, smiles, exudes empathy and warmth and encourages us to open up. The robot, a three-dimensional bust with a projection of a human-like face, aims to build on our new-found ease talking to voice assistants like Siri and Alexa, by persuading us to interact with it as if…
Technology News & Reviews | New York Post

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NFL Experience in Times Square will stay open for free

Pint-size football fans in the know are getting their fill of their favorite pastime — for free. The word hasn’t spread widely about this surprising holiday fantasy at the NFL Experience, an interactive museum spread over 40,000 square feet in Times Square. The museum — which boasts a simulated game in a 4-D movie theater…
Business | New York Post

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Everything You Need To Know About Open Enrollment

Why is open enrollment season for health insurance important?

Open enrollment is the annual period when you can enroll in or change your health insurance coverage for the upcoming year. Additionally, if you receive other benefits through your employers – life insurance, unemployment insurance – this is a great time to make any adjustments to these policies as well. Open enrollment is usually the only time you can makes changes, so it is important to understand your options and needs ahead of time.

When is open enrollment period this year?

For those getting health insurance coverage through healthcare.gov, open enrollment runs from November 1 to December 15. However, in some states like California you can sign up for Affordable Care Act plans later. Outside of these dates, you are only able enroll in a health insurance plan if you experience major life events like getting married, changing jobs, losing previous health coverage or circumstances that qualify you for a Special Enrollment Period.

For employer-provided health insurance and other benefits, the timing can vary by company. It is generally in the fall, between October 1 and December 31. If your job offers health insurance and other benefits but you do not know when your company’s open enrollment period is, contact your HR department.

What should we keep in mind when choosing our healthcare coverage?

The most important thing is to understand your options. If you receive your health insurance through your job, you can go to your human resources department about what plans are offered. If your job doesn’t provide healthcare, go to the state or federal marketplaces for the Affordable Care Act to search plan options and costs. Again, the best place to go for this is healthcare.gov.

Next, review the plan type. You will likely run into the acronyms HMO or PPO. These stand for health maintenance organization and preferred provider organization, respectively. Generally speaking, the difference between HMO and PPO plans includes the size of the plan network, ability to see specialists, plan costs, and coverage for out-of-network services. Compare each plan’s summary of benefits to learn more. Your HR department or the online marketplace will provide these.

Finally, determine the best plan for your healthcare needs and your finances. When doing this you want to take into account you and your family’s healthcare requirements. If you are single and healthy, it may be best to go with a low premium, high deductible plan. If you have a family, numerous prescriptions or past health issues, more coverage and a higher monthly premium may be a better option.

What other benefits should we be thinking during open enrollment?

If you have the option of receiving life and unemployment insurance, I would recommend purchasing this coverage. As you have heard me say before, 1 in 4 people will be involved in an accident that prevents them from working for a period during their life. If something happens to you, life and unemployment insurance will protect your family from financial catastrophe.

Open enrollment is also a great time to review your retirement preparations. Most employer-sponsored retirement plans allow you to make changes at any time, but it is always a good idea to check that your contributions, your plan choice and your portfolio mix are aligned with your current goals. If your employer offers matching, be sure you’re getting all the free money on the table. Finally, it is also a good time to talk to your financial advisor about your plan’s performance. 

The Trump administration has shifted a number of healthcare policies. Can you talk about what is new this year?

The Trump Administration has made several changes to the ACA’s rules. In last year’s tax bill, they include a provision that removed the tax penalty for those who don’t buy coverage, essentially removing the requirement that every American had to have health insurance. This means you will not pay a fee for not having health insurance, though I would caution going without is a bad idea. The administration has also made it easier for some people to buy short-term policies that do not include all the consumer coverage protections of an ACA policy.

In reaction to this, some states have made their own changes. In May, New Jersey adopted its own individual mandate, and California banned the sale of short-term health policies that don’t meet ACA standards. Maryland and Alaska have each added other programs to stabilize the insurance marketplace.

Unfortunately, the repeal of the individual mandate and the legalization of short term insurance, along with other regulatory changes made by the administration, have caused some uncertainly in the markets, and we have seen premiums rise about 16 percent higher this year according to the Kaiser Family Foundation. That may mean some of us will pay more for coverage this coming year.

Mellody is President of Ariel Investments, a Chicago-based money management firm that serves individual investors and retirement plans through its no-load mutual funds and separate accounts.  Additionally, she is a regular financial contributor and analyst for CBS News and CBS.com.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE 

Life & Style – Black America Web

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Fantasy Open Thread: What Do You Buy With An Extra $1500?

Today feels a little hard to focus, so let’s have a fun open thread — what would you buy with an extra $ 1500? Here’s a little story to go with the fantasy: your favorite aunt passes and leaves you $ 1500, with a note to get yourself something pretty with hopes that you’ll remember her fondly whenever you look at your purchase(s). SO: what do you buy? What store do you go to first? Do you add more of your own money to purchase something even nicer, or do you squirrel some away for a rainy day and spend less than the full $ 1500?

For my $ .02, for that money I’d probably put the money towards a bag, jewelry, or a painting… The Affordable Art Fair in NYC is always a good one for art (albeit not terribly “affordable”), and for fine jewelry that’s really interesting I’m a huge fan of Barney’s selection. (Oooh: love this ring, this necklace, or this necklace…)  If I were to put the money towards a bag I’d probably get one I’d wanted for a while, like this Chloe bag.

Picture via Wikipedia.

The post Fantasy Open Thread: What Do You Buy With An Extra $ 1500? appeared first on Corporette.com.

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Podcast: KHN’s ‘What The Health?’ Open Enrollment And A Midterm Preview

Nov. 1 marks the start of Open Enrollment for people buying their own coverage for 2019 in most states. Despite the turmoil surrounding the Affordable Care Act, most consumers will have more choices and mostly flat — and in some cases lower — premiums.

What will happen to the health law going forward, however, will depend largely on what happens in the midterm elections Tuesday. Important health decisions will result not just from which party controls the U.S. House and Senate, but who wins governorships and comes to control state legislatures as well.

This week’s panelists for KHN’s “What the Health?” are Julie Rovner of Kaiser Health News, Anna Edney of Bloomberg News, Margot Sanger-Katz of The New York Times and Joanne Kenen of Politico.

Among the takeaways from this week’s podcast:

  • With changes in the ACA marketplace for 2019, it will be very important for consumers to look at the variety of options. Those earning less than 200 percent of the federal poverty level (just under $ 24,300 for an individual) are likely well served by silver plans on the federal health law’s exchanges. But the choices for benefits and prices are much more complicated for people earning more than that.
  • People who don’t get insurance through work or the government and earn too much to qualify for premium subsidies under the health law might be tempted to try the new, less-expensive short-term plans being touted by the Trump administration. But they should be cautious and consider two major downsides: The plans likely won’t cover preexisting conditions, and the benefits will be skimpier than those of ACA plans. For example, many short-term plans are expected not to cover mental health and maternity services or prescription drugs.
  • Federal officials announced Wednesday that Wisconsin could implement work requirements for some Medicaid enrollees. They also said, however, that the state could not begin drug testing for the enrollees.
  • If Democrats take control of the House or Senate, it’s possible that they could work with President Donald Trump on some specific issues, especially efforts to bring down drug prices or consumer protections against surprise medical bills.
  • Perhaps the biggest change that could come from the election results is an increase in the number of states that expand Medicaid under a provision of the ACA. Seventeen states have not taken that step, but several deep-red states in the West have the question on their ballots, and the outcomes from governors’ races in other states could also lead to expansion.

Rovner also interviews Barbara Feder Ostrov, who wrote the latest “Bill of the Month” feature for Kaiser Health News and NPR. It’s about a California college professor whose skin rash led to a $ 48,000 bill for allergy skin testing. You can read the story here.

If you have a medical bill you would like NPR and KHN to investigate, you can submit it here.

Plus, for extra credit, the panelists recommend their favorite health stories of the week they think you should read, too:

Julie Rovner: The Washington Post and Kaiser Health News’ “For The Disabled, A Doctor’s Visit Can Be Literally An Obstacle Course — And The Laws Can’t Help,” by Rachel Bluth.

Anna Edney: Bloomberg Businessweek’s “Your DNA Is Out There. Do You Want Law Enforcement Using It?” by Drake Bennett and Kristen V Brown.

Margot Sanger-Katz: The Federalist’s “How An Obscure Regulatory Change Could Transform American Health Insurance,” by Christopher Jacobs.

Joanne Kenen: The Atlantic’s “The Harder, Better, Faster, Stronger Language Of Dieting,” by Amanda Mull.

To hear all our podcasts, click here.

And subscribe to What the Health? on iTunesStitcher or Google Play.

Kaiser Health News

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Walmart To Open Futuristic Store Sam’s Club Now In Dallas

Walmart Inc.’s Sam’s Club division said Monday it will open a new store in Dallas that will be “a technology lab that doubles as a live, retail club.” Sam’s Club said that the new Dallas location, called “Sam’s Club Now,” will be the epicenter of innovation for Sam’s Club. Customers at the new store will be able to scan and pay for their groceries using the Sam’s Club Now app.
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Isaia to Open London Flagship

Isaia will open its first store in London, a 4,800-square foot shop at 45 Conduit Street, on Nov. 4. This marks the first store in the U.K. for the Naples-based luxury men’s brand, which operates 18 stores elsewhere in Europe as well as in Asia, the Middle East and the U.S.
Gianluca Isaia, chief executive officer and third generation of the family-owned company, said: “I visited London for the first time in 1976 when I was 13 years old and have loved it ever since. London is truly one of the greatest cities in the world. The history, sophistication and the love of tailoring make it the perfect place for Isaia to have a home.”
The store is being designed by Ferrari Architetti and will be decorated with art and artifacts sourced by interior designer Alberta Saladino that speak to its legacy near the Bay of Naples. It will include features also found in other stores such as a vintage Campari bar and a red lacquered piano.
It will be divided into distinct areas intended to spotlight the full range of offerings, including sportswear, tailored clothing and accessories, and there will be a separate made-to-measure area and a “Vesuvio” VIP room.
Conduit Street in London’s

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Affordable Care Act Open Enrollment Starts Nov. 1. Here’s How to Sign Up

When it comes to electing health care coverage, deadlines matter. Miss one, and you could find yourself facing thousands of dollars in medical bills down the road.

Starting Nov. 1 and ending Dec. 15 (in most states), uninsured Americans can sign up for coverage under the Affordable Care Act or renew the coverage they already have.

If you want coverage in 2019, you must enroll during these 45 days unless you later have a qualifying life event, such as getting married or divorced.

Some younger and healthier people may not think coverage is worth the monthly premiums.

But think again, says Gerald Kominski, a professor of health policy and management at UCLA.

“There’s the idea that ‘I take care of myself, I live a healthy lifestyle, I eat well, I don’t smoke — I’m going to be healthy and live forever,’” he says. “Nobody knows what the future holds. People with perfectly healthy lifestyles get sick every day.”

What’s New This Year Under the Affordable Care Act

For the first time since the Health Insurance Marketplace — a federally run service where people can shop for and enroll in private insurance — opened five years ago, Americans will not have to pay a financial penalty for failing to obtain insurance. But experts say it’s still critical to buy coverage.

It costs up to $ 7,500 to fix a broken leg, about $ 30,000 for three days in the hospital and into the hundreds of thousands of dollars to treat cancer, HealthCare.gov says. The average visit to an emergency room in 2016 cost $ 1,917, according to the Health Care Cost Institute.

Most working people can’t cover that kind of expense with their salaries or savings, says Kominski — who, three decades ago as a graduate student, needed an appendectomy that cost $ 15,000. Because he had a student policy, he says, his share was less than $ 100.

In addition, health insurance plans that provide free or low-cost preventive services and promote the early identification of problems reduce the likelihood that more expensive and extensive treatment will be needed later, said Jay Wolfson, professor of public health, medicine and pharmacy at the University of South Florida. Thus, they benefit even people who are healthy — or appear to be.

And when healthier people buy insurance, it costs less for everyone, he said.

How To Shop For an Insurance Plan in the Marketplace

Start by going to HealthCare.gov and clicking “get ready to apply” if you plan to enroll for the first time or “get ready to keep/change” if you had a 2018 plan through the Marketplace, also known as the “exchange.”

Some states operate their own exchanges. If you live in California, Colorado, Connecticut, Idaho, Maryland, Massachusetts, Minnesota, New York, Rhode Island, Vermont, Washington or the District of Columbia, you must apply through your state.

Application deadlines are slightly later in California, Massachusetts, Minnesota and Rhode Island, so be sure to call or check your state exchange’s website. In general, coverage begins Jan. 1, 2019.

Online, you’ll learn how to estimate your 2019 income for the application and find a checklist of information you’ll need, such a such as household size, the Social Security numbers and birthdates of your family members, W-2 forms or pay stubs and policy numbers of any current health insurance. Coverage is available only to U.S. citizens and legal residents.

With insurance through the Marketplace, you’ll pay a deductible and coinsurance — a percentage of a covered health service — of 10% to 40%, depending on which plan you choose. You’ll have to pay only up to an out-of-pocket maximum, and there are no yearly or lifetime dollar limits.

You’ll also get the benefit of discounts that insurance companies negotiate with health care providers. People without insurance pay almost two times as much for care, according to HealthCare.gov.

How to Apply, What’s Covered and What Help Is Available

You can apply by phone, in person with help from a navigator — a person specially trained to walk you through the process — through an agent or broker or by mail with a paper application. Volunteers certified by the Marketplace also may be available through nonprofit organizations such as community health centers or hospitals.

Coverage through the Health Insurance Marketplace is intended for those not covered by insurance at work or by government programs such as Medicaid, Medicare, Tricare (for members of the military, veterans and their families) or CHIP, the Children’s Health Insurance Plan.

Plans that comply with the Affordable Care Act, often called Obamacare, cannot discriminate against people with pre-existing conditions. They also must cover birth control and breastfeeding equipment and counseling, plus 10 “essential” services:

  • Outpatient care.
  • Emergency services.
  • Hospitalization.
  • Pregnancy, maternity and newborn care.
  • Mental health and substance abuse services.
  • Prescription drugs.
  • Mental and physical rehabilitation for people with injuries, disabilities or chronic conditions.
  • Laboratory services.
  • Preventive and wellness services and chronic disease management.
  • Pediatric treatment, including dental and vision care.

You’ll pay different premiums and out-of-pocket costs depending on the plan you choose. The government will subsidize your premiums if your income is between 100% and 400% of the federal poverty level.

Currently, that’s $ 12,140 to $ 48,560 for a single person and $ 25,1000 to $ 100,400 for a family of four. Income eligibility levels are expected to rise slightly for 2019; the new figures won’t be available until Nov. 1, 2018.

The lower your income, the higher the premium tax credit you’re eligible for (i.e. the help you’ll receive).

What Kind of Plans Are Available?

Insurers sell plans in four categories: Bronze (the least coverage and the lowest premiums), Silver, Gold and Platinum (the most coverage and the highest premiums). Depending on where you live, you may find several types of plans at each level.

You’ll want to make sure your doctors are in the plan you choose and that your prescription medications are covered.

You may have a choice of:

  • An exclusive provider organization (EPO), which covers services provided only by doctors and hospitals in a network, except in an emergency. You aren’t required to choose a primary care provider.
  • A health maintenance organization (HMO), which requires you to obtain care from doctors who work for or contract with the HMO, except in an emergency. You may have to live or work in the HMO service area.
  • A point of service plan (POS), which charges less if you use health care providers that belong to a network and requires you to get a referral from your primary care doctor to see a specialist.
  • A preferred provider organization (PPO), in which you pay less for in-network providers, but you can go to out-of-network providers for an additional fee. You don’t need a referral to go to a specialist.

Average unsubsidized premiums vary widely from state to state. The price of the Silver plan for a 27-year-old single nonsmoker ranges from a low of $ 278 per month in Indiana to $ 709 per month in Wyoming, according to the U.S. Centers for Medicare and Medicaid Services.

The figures apply only to the 39 states that use the HealthCare.gov platform. About 9 million people have coverage through those exchanges, according to the federal government.

Catastrophic Insurance

Catastrophic insurance is another alternative available to people younger than 30 and those who can claim a hardship exemption, such as homelessness, domestic violence or bankruptcy. You must apply for the exemption.

On the upside, catastrophic plans cover the 10 essential health benefits, offer specific preventive services for free and cover at least three visits to a doctor annually before the deductible is met. They also cost about one-third as much as more comprehensive plans.

The large downside is that the deductible — the amount the patient has to pay before the insurance company starts sharing the cost — is $ 7,900. Additionally, these policyholders aren’t eligible for a premium tax credit.

Kominski of UCLA suggests that consumers compare the coverage and cost of a lower-tier plan in the Marketplace before choosing a catastrophic plan.

Coverage That Doesn’t Meet Affordable Care Act Standards

As of Oct. 1, 2018, low-cost health policies became available for a one-year term, renewable for up to three years. Previously, they were sold for a three-month period of coverage only, and were considered stopgap insurance plans for people between jobs or otherwise temporarily without insurance.

It’s important to be aware that these policies don’t comply with the mandates of the Affordable Care Act, meaning they don’t have to cover people with pre-existing conditions or pay for any of the services the act deems essential.

Kominski warns that low-cost policies may seem attractive — until you need medical care. He compares them to a car that’s cheap, but only because it doesn’t have airbags or comply with air-quality standards.

“If you’re shopping for price, you’re going to get what you pay for,” he said. “If you want to expose yourself to risk, we can make health care really affordable.”

Susan Jacobson is an editor at The Penny Hoarder. She also writes about health and wellness. Follow her @SusanJacobson44.

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This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.


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Sloane Stephens comes out on top in battle of last two US Open champions

SINGAPORE — In a match between the last two U.S. Open champions, Sloane Stephens came out on top.

The 2017 champion beat Naomi Osaka 7-5, 4-6, 6-1 Monday at the WTA Finals, the season-ending tournament for the top eight players in the world.

Both players are making their debut appearances at the…

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Michael B. Jordan Invites U.S. Open Winner Naomi Osaka To ‘Creed 2’ Premiere With Shirtless Photo

Premiere Of Disney And Marvel's 'Black Panther' - Arrivals

Source: David Crotty / Getty

Naomi Osaka won the U.S. Open against Serena Williams recently and appeared on several talk shows after to discuss the big win. When she went on The Ellen DeGeneres Show, Osaka was asked about her celebrity crush. She admitted that she liked Michael B Jordan and right there Ellen texted him to possibly hook them up.

 

Osaka sat there blushing and couldn’t believe what was happening. The Jasmine Brand reports that Ellen decided to take things to another level when she wished Osaka a happy birthday this week. Attached to the birthday tweet was a photo of Jordan without his shirt on. Osaka tweeted back that she wanted Ellen to block her, but then Jordan tweeted something very special to Osaka.

 

He sent a newer photo with no shirt on and said, “This one is better and more recent. LOL Happy Belated Bday Naomi. But seriously I want to invite you to the Creed 2 premiere as a bday present.” We haven’t heard if Osaka is going or not, but if she doesn’t want to accept the invitation we know plenty of people that will take her place.

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Disney World will open new nature-inspired resort

Calling all Disney-loving treehuggers.

The company behind Mickey Mouse will open a new nature-inspired, mixed-use resort in 2022 at Walt Disney World Resort in Orlando, Florida.

It’ll be located along Bay Lake between Disney’s Wilderness Lodge and Fort Wilderness Resort & Campground.

The upcoming…

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Huckberry Will Open First Shop in New York

Huckberry is jumping into the pop-up craze.
The San Francisco-based online men’s retailer will open its first retail location at 383 Bleecker Street in Greenwich Village in November. The shop will feature “seven actionable adventures” that will highlight journeys ranging from a ​West Village Drinking Tour with Jack Kerouac to ​72 Hours in Iceland​. Each will offer a free itinerary that customers can take away from the store, insider perks at select stops such as discounts, VIP treatment, etc., and an edited selection of the season’s apparel, footwear, gear and gifts targeted to the specific adventure.
The pop-up will also offer a series of in-store events such as fireside chats and product demos. The first will be a question-and-answer with adventure photographer Chris Burkard on Nov. 6.
“When we started Huckberry in our apartments back in 2011, our mission was the same then as it is now: to inspire and equip adventures near and far,” Huckberry cofounder Andy Forch said. “Today, we’re excited to take our mission offline and serve our largest market with a fun and inspiring shopping experience we hope will push the boundaries of experiential retail.”
Cofounder Richard Greiner added: “Our vision is to build the most inspiring men’s retailer in the world through

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Lingerie Française to Open Lingerie Loft in New York

Lingerie Française, an organization that represents French lingerie brands, is hosting a lingerie loft in New York.
Open from Nov. 2 to 4, it will display pieces from brands including Aubade, Chantelle, Passionata, Empreinte, Antigel, Maison Lejaby, Simone Perele and Implicite. The loft is a way to highlight these brands and introduce them to the U.S. customer, who Ulyana Sukach, director of international development at Lingerie Française, said already enjoys French lingerie.
“This loft will let visitors experience these brands in an educational and engaging way,” said Ulyana Sukach, director of international development at Lingerie Française, who noted American consumers have an appreciation for French lingerie.
According to La Fédération de la Maille, de la Lingerie & du Balnéaire, France’s lingerie market was valued at 3.9 billion euros in 2016 and it’s grown by 7.8 percent since 2013. French corsetry exports in 2017 were 371.5 million euros, 26.3 million euros of which went to the U.S.
Located at 305 Bleecker Street, the loft will not sell any merchandise — visitors will be directed to retailers who carry these brands — while offering an extensive slate of talks and experiences. There will be workout sessions, workshops on how to find the right bra and talks on

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Knicks’ starting point guard spot is still an open battle, with nobody emerging yet

Five days before the regular season begins, the Knicks’ starting point guard spot remains an open battle.

David Fizdale started four different point guards in five preseason games – including Ron Baker in the finale Friday against the Nets – but nobody has been able to seize the moment.

“I am definitely…

Sports – New York Daily News

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Photo Flash: Audra McDonald and Renee Fleming Open the 2018- 2019 Season at Carnegie Hall with The San Francisco Symphony

Tonight, Carnegie Hall opened its 2018-2019 season with a sold out gala benefit concert featuring theSan Francisco Symphonyconducted by Music Director and Carnegie Hall Perspectives artistMichael Tilson Thomas.The programincluded Gershwin’sCuban OvertureandAn American in Parisas well as Liszt’sMephisto WaltzNo. 1. Mr. Tilson Thomas and the orchestra were joined on this celebratory occasion by renowned sopranosRenee FlemingandAudra McDonaldoffering vocal selections by Gershwin, Rodgers, Villa-Lobos, Stephen Sondheim, and others.
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McConnell leaves option open for SCOTUS nominee in 2020

Senate Majority Leader Mitch McConnell left open the possibility of confirming a Supreme Court nominee in 2020 if Republicans still control the chamber and there’s a vacancy on the court, marking a shift over how he treated then-President Barack Obama’s nominee in 2016.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Bloomingdale’s to Open Sean John Pop-Up Shop

Bloomingdale’s was the first retailer to sell the Sean John collection when rap entrepreneur Sean Combs launched his men’s wear line two decades ago. Now, the two companies have reconnected to celebrate the anniversary.
For the month of October, the store is converting the former David Burke restaurant space at the 59th Street flagship into a Sean John pop-up. The shop, which will have a separate entrance from the street as well as access through the men’s store, will sell a capsule collection of reworked pieces from the brand’s previous collections including the velour tracksuit, fur snorkel jackets, suede coveralls and leather track jackets.
“You won’t see all baggy clothes,” said Jeff Tweedy, president of Sean John. “We’re taking iconic pieces and tuning them to current fashion.” He said the velour tracksuit, for example, hasn’t been produced for more than a decade, but is being reinvented in five colors for the shop.
Everything will be for sale but there will also be some original pieces on display in the space, Tweedy said.
“Bloomingdale’s was our original launch partner 20 years ago, so it is incredibly gratifying to come full circle with the launch of this pop-up shop,” he added. “This is truly a homecoming for us and we

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Location-Based VR Startup Nomadic to Open First Location in Florida

Bay Area-based virtual reality (VR) startup Nomadic is getting ready to open up its first VR center in Orlando, Florida this fall. Nomadic is opening its first space at the Pointe Orlando mall with an adaptation of “Arizona Sunshine,” a zombie VR shooter that’s already popular on in-home VR systems as well as in VR […]

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