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ocean magic online In 2013, Jesse Jackson Jr pled guilty to misusing campaign funds and was sentenced to prison time; he was released in 2015 and is now seeking a presidential pardon after struggling to rebuild his life Civil rights activist and politician Reverend Jesse Jackson has appealed to outgoing US president Joe Biden to pardon his son, former Illinois congressman Jesse Jackson Jr, and offer him the same treatment Biden gave his own child, Hunter Biden . Jackson Jr was previously sentenced to 30 months in jail after he was found to have spent campaign money on personal items. But Jackson Jr says his life remains impacted by his decisions, insisting it was a “life sentence”. On the day that President Biden pardoned his own son, Reverend Jackson wrote a letter asking that the president do the same for Jackson Jr. “His children – my grandchildren – would do well and find hope in seeing both their father and their mother, former Chicago alderwoman Sandra Stevens Jackson, received forgiveness,” the elder Jackson wrote. Jackson Jr’s then-wife Sandra has faced her own run-in with the law and served a year in prison for tax fraud. Advertisement From his crime and jail time to trying to build a future, here’s what you need to know about Jesse Jackson Jr. He served time for his crime {"@context":"https://schema.org","@type":"ImageObject","caption":"Jesse Jackson Jr. Photo: Getty Images","url":"https://img.i-scmp.com/cdn-cgi/image/fit=contain,width=1024,format=auto/sites/default/files/d8/images/canvas/2024/12/23/d0ac97f8-66f5-4224-9993-2de8723331d4_5622ebae.jpg"} Jesse Jackson Jr. Photo: Getty Images In 2012, Jackson Jr resigned from Congress after serving for 17 years. The surprise move came amid a criminal investigation, though it was later revealed that he was also suffering from a medical condition. The investigation led to charges against Jackson Jr and in 2013, he pleaded guilty to misappropriating US$750,000 in funds over the course of 10 years. The money was taken from his re-election campaign and used to finance his lifestyle. He was sentenced to 30 months in federal custody, including time in prison, a halfway house, and under house arrest. NBC Chicago reports that the federal charges against Jackson Jr revealed he spent money on one of Michael Jackson’s fedoras and US$4,000 on guitars once owned by Michael Jackson and Eddie van Halen. Court documents show the full list also included memorabilia from icons including Martin Luther King, Bruce Lee and Malcolm X, as well as a US$800 mink cashmere cape. Jackson Jr told WTTW News that he needed the money to maintain two bases – in Washington and Chicago – as part of his political career. “So to the tune of about US$75,000 a year, I lived in my campaign,” he told the publication. “US$75,000 a year to live in two cities – Chicago and Washington, to go to work every day, to not miss a vote in nearly 17 years as a congressman. Yes, I lived in my campaign fund and I owned my behaviour for that.” He was released from jail in 2015 and has spent the last decade trying to rebuild his life. He’s spoken out about the impact of his time in jail

(BPT) - Every year, roughly 20-30% of older Americans head to warmer climates for the colder winter months. Snowbirds are often retirees on fixed incomes, though flexible work environments now provide more opportunities for anyone to spend several months escaping the chill. Whether on a fixed income or an empty nester with disposable income, consumers are interested in saving money where they can. With this in mind, snowbirds can look to their AARP membership to take advantage of relevant discounts and offerings as they fluff their feathers and get ready for takeoff. From savory breakfast options while driving to your seasonal destination, to home and auto protection, and even resources to support mental and physical health, AARP member benefits offer deals and savings that will help snowbirds take flight this winter. "Spending winters in warmer places has so many benefits that come with being able to be outside more often. Warmth and sunlight not only increase serotonin levels , which can result in more positive moods and a calm, focused mental outlook, but they also stimulate vitamin D production and may even boost immunity ," said Elvira Christiansen, Director of Retail and Loyalty for AARP Services. "An AARP membership makes it even better by offering savings as you plan your trip, as well as at many dining, entertainment and retail locations you will come across in your winter getaway destination, helping you to enjoy it to the fullest." 1. Order Up Road trips are often the preferred way to travel to a winter home for the flexibility of having a car once there. Whether your drive will have you behind the wheel for hours or days, you'll want to make sure you have your meals planned out. Fill up with a tasty breakfast or lunch with a stop at Denny's, which is easy to spot from most major highways. AARP members can save when heading to Denny's . With over 1,500 locations nationwide, members save 15% on everything from diner classics to breakfast items every day; maximum discount not to exceed $10. Restrictions apply. 2. Primary Care from Almost Anywhere Feeling under the weather can put a damper on your winter travels, so it's a good idea to make sure you can access quality healthcare even when you're at your winter destination. If you are on Medicare, you can check whether there is an Oak Street Health primary care clinic near you. Oak Street Health , the only primary care provider to carry the AARP name, provides primary care for adults on Medicare and focuses on prevention with personalized care to help keep you healthy — physically, mentally and socially. Benefits include same-day/next-day appointments where available, convenient locations, a dedicated care team and a 24/7 patient support line. AARP membership is not required to visit an Oak Street Health clinic. 3. Wellness Checklist Once you check off primary care needs for your winter destination, don't overlook other priorities like maintaining your prescriptions and protecting your vision. Start by making sure your prescriptions are up to date before you head out of town. If you do need a refill while you're away, you have access to a free prescription discount card from AARP ® Prescription Discounts provided by Optum Rx ® that can be used at over 66,000 pharmacies nationwide for savings on FDA-approved medications. You do not need to be an AARP member to take advantage of these benefits, though AARP members receive additional perks, including deeper discounts on medications, home delivery, coverage for your dependents and more. If you're having trouble with your vision, want to update your sunglass prescription, or simply want to maintain your annual visits to an optometrist or ophthalmologist while away, AARP members have access to information on vision insurance options that offer individual and family plans, featuring a large doctor network, savings on frames, lens enhancements, progressives and more. 4. Home (Safety) Away from Home One thing that should always be a priority is keeping your home safe while you're away for the winter. While Neighborhood Watch is always helpful, long periods away from a home require additional security systems. With an AARP membership, homeowners can secure their homes for less. Members save 5% on monthly home security monitoring with ADT Home Security , which covers smart home security systems including intrusion monitoring, connected smoke and CO detection, and smart automation for video doorbells, security cameras and smart locks. 5. Pack Auto Coverage in Your Luggage Driving south for the winter? Utilize AARP member benefits to save on auto care so you can road trip worry free. AARP members save up to 20% on annual membership fees for Allstate Roadside Assistance plans, which provides access to assistance for towing, jump-starts, tire changes, lockout assistance, fuel delivery and more. Allstate Roadside plan benefits can be used 24/7 in any car you drive, including rented and borrowed ones. And, if you want to bring any personal items with you but don't have room to squeeze them in your car, Budget Truck Rental has a variety of trucks for you to choose from. AARP members can save 20% on local or one-way truck rentals on Sunday through Thursday and 10% on Friday and Saturday, plus receive a $10-per-day Physical Damage Waiver. Regardless of how you're traveling or spending your winter months, AARP member benefits can help you maximize your budget while you prioritize the things that matter. To learn more about the benefits and discounts for AARP members to help you prepare for your relaunch, please visit aarp.org/save . AARP member benefits are provided by third parties. AARP receives a royalty fee for the use of its intellectual property. These fees are used for the general purposes of AARP. Provider offers are subject to change and may have restrictions.

BJP-led Centre trying to manipulate electoral rolls to win Delhi poll: AtishiIndustrial Shredders Market Size and Forecast PUNE, India , Nov. 26, 2024 /PRNewswire/ -- Industrial Shredders Market Overview The global industrial shredders market has exhibited consistent growth, driven by the increasing demand across diverse industrial applications. Valued at USD 1154.9 million in 2022, the market's steady expansion is attributed to the rising need for efficient waste management solutions, especially in sectors like construction, manufacturing, and recycling. Industrial shredders play a crucial role in processing large volumes of materials, reducing waste, and enabling material reuse, which aligns with the growing emphasis on sustainability and environmental conservation. Additionally, technological advancements in shredder designs, such as improved energy efficiency and enhanced automation features, are contributing to the market's growth trajectory. Market Size and Forecast According to the report by Credence Research " Industrial Shredders Market By Number of Shafts (Single Shaft Shredder, Two Shaft Shredder, Three Shaft Shredder, Four Shaft Shredder) By Position of Shafts (Horizontal Shaft Shredder, Vertical Shaft Shredder) By Application (Municipal Solid Waste Recycling (MSW), Wood Waste Recycling, Waste Electronic and Electronic Equipment Recycling (WEE), Paper Reject Recycling, Others (Plastic, Metal, etc.))-Growth, Future Prospects & Competitive Analysis, 2016 – 2030 " the industrial shredders market is projected to reach USD 1635.9 million by 2030, reflecting a compound annual growth rate (CAGR) of 5.10% between 2023 and 2030. This robust growth is underpinned by expanding industrial activities in emerging economies and stricter regulations promoting sustainable waste management practices. Moreover, the adoption of shredders in innovative applications, such as data destruction and e-waste recycling, is anticipated to fuel demand further. The market's evolution is also supported by increased investments in smart shredding solutions, offering improved operational efficiency and customization for various industries. Dive deeper into market insights, growth drivers, and key trends by browsing the comprehensive report. Click here to access the full report- https://www.credenceresearch.com/report/industrial-shredders-market Industrial Shredders Market Drivers Rising Demand for Efficient Waste Management Solutions The growing emphasis on sustainability and environmental conservation is a significant driver of the industrial shredders market. Industries such as manufacturing, construction, and recycling are increasingly adopting shredding technologies to manage waste efficiently and promote material reuse. For example, the global waste management industry generates approximately 2.01 billion tons of municipal solid waste annually, with at least 33% not managed in an environmentally safe manner. Regulatory mandates worldwide, aimed at reducing landfill usage and enhancing recycling rates, are pushing industries to invest in advanced shredding solutions. Countries like Germany and South Korea have achieved recycling rates of 47% and 54%, respectively, showcasing the effectiveness of stringent regulations. Additionally, shredders' ability to process diverse materials, including metal, plastic, and paper, positions them as vital tools in achieving zero-waste goals across multiple sectors. This versatility is crucial as industries strive to meet stringent environmental regulations and enhance their sustainability efforts. For instance, shredding one ton of paper can save 17 trees and significantly reduce greenhouse gas emissions. Technological Advancements and Automation Integration The integration of advanced technologies in shredding equipment is further propelling market growth. High-torque motors with over 90% efficiency are replacing traditional hydraulic systems, significantly improving energy management and reducing thermal waste. Smart sensors equipped with IO-Link connectivity and dynamic resolution of ±5.5 micrometers enable real-time monitoring and precise material handling, while arrays of up to 50 metal-cased sensors provide continuous detection across conveyor systems. Innovations such as AI-integrated systems and IoT technologies are enhancing operational efficiency and reducing downtime. These advancements not only lower operational costs but also provide precise material handling capabilities, making industrial shredders more versatile and reliable. The implementation of smart automation allows for precise control optimization, while advanced material sorting technologies, including metal detection and separation systems, improve recycling efficiency. Moreover, the rise of Industry 4.0 has driven demand for connected shredding systems that enable remote monitoring and predictive maintenance, with features like cloud-ready sensors providing real-time data monitoring and high-speed sensor-based decision-making capabilities, ensuring seamless operations in high-demand industries. Increasing Adoption in Emerging Economies Emerging economies are experiencing rapid industrialization, which is driving the adoption of industrial shredders. India's urban population is expected to nearly double to 814 million by 2050, generating approximately 0.7 kg of waste per person daily by 2025, which is 4-6 times higher than in 1999. Growing construction activities, expanding manufacturing sectors, and rising urbanization contribute to increased waste generation, necessitating effective waste management solutions. Government initiatives in countries like India and China , aimed at improving recycling infrastructure and reducing environmental pollution, are further bolstering demand. In India , only 43 million tons of the 62 million tons of waste generated annually is collected, highlighting the urgent need for efficient waste management solutions. The implementation of initiatives like the Clean India Mission and stringent environmental regulations has spurred the growth of domestic recycling industries. Additionally, the affordability of shredding solutions, coupled with their long-term cost-saving benefits, makes them an attractive investment for industries in these regions, with companies investing in R&D achieving up to 25% higher efficiency. Expanding Applications in Specialized Industries The industrial shredders market is witnessing increased adoption in niche applications, such as data destruction and e-waste recycling. The growing need for secure disposal of sensitive information, evidenced by a 68% surge in reported data breaches with 1,862 incidents in 2022, is driving demand in these segments. The rising volume of discarded electronic devices, which reached 62 million tonnes in 2022 and is projected to increase to 82 million tonnes by 2030, has created urgent demand for efficient recycling solutions. Shredders equipped with specialized blades and features to handle unique materials are catering to the evolving needs of these industries, processing approximately 31 billion kg of metals and 17 billion kg of plastics from e-waste annually. Furthermore, the increasing global focus on circular economy principles is encouraging businesses to adopt shredding technologies to maximize resource recovery and minimize waste, particularly as current formal recycling rates remain low at 22.3% globally, leaving USD 62 billion worth of recoverable resources unaccounted for. Preview the report with a detailed sample and understand how it can benefit your business strategy. Request a free sample today – https://www.credenceresearch.com/report/industrial-shredders-market Industrial Shredders Market Restraints High Initial Costs and Maintenance Expenses One of the primary challenges facing the industrial shredders market is the high upfront cost of purchasing and installing shredding equipment. Advanced shredders, equipped with modern technologies like automation and energy-efficient features, often require significant capital investment, which can be a deterrent for small- and medium-sized enterprises (SMEs). Additionally, ongoing maintenance and repair expenses, including the replacement of wear-and-tear components such as blades and motors, can further increase operational costs. These financial considerations may hinder widespread adoption, especially in cost-sensitive industries and emerging economies. Limited Awareness and Skilled Workforce Challenges The market also faces constraints due to limited awareness about the benefits of industrial shredders in certain regions, particularly in underdeveloped economies. Many industries in these areas continue to rely on traditional waste management practices, lacking the knowledge or resources to adopt shredding technologies. Moreover, the operation of industrial shredders often requires skilled personnel to ensure optimal performance and safety. A shortage of trained operators and technicians can pose significant challenges to businesses, leading to inefficient use of shredding equipment and potential operational risks. Regulatory and Environmental Compliance Issues While regulations promoting waste recycling and sustainability are driving market growth, they can also pose challenges for manufacturers of shredding equipment. Compliance with stringent environmental and safety standards often requires continuous innovation and product development, increasing production costs for manufacturers. Furthermore, improper disposal of shredded waste, particularly hazardous materials, can lead to legal complications for end-users. These factors may deter some industries from adopting shredding technologies or limit their usage to specific applications. Raw Material Price Volatility and Supply Chain Disruptions The cost and availability of raw materials required for manufacturing shredding equipment, such as steel and electronic components, can significantly impact the market. Price volatility and supply chain disruptions, often caused by geopolitical tensions or economic instability, can increase production costs and delay deliveries. These issues not only affect manufacturers but also lead to higher prices for end-users, potentially limiting market growth in regions with constrained budgets or uncertain economic conditions. Industrial Shredders Market Segmentation Analysis By Number of Shafts The market is segmented based on the number of shafts into single, two, three, and four shaft shredders. Single shaft shredders are primarily used for applications requiring precise shredding with minimal dust production, while two shaft shredders are widely adopted for heavy-duty tasks like metal and electronic waste recycling due to their higher torque and efficiency. Three and four shaft shredders, offering superior control over particle size and enhanced durability, are preferred in industries handling mixed and bulky materials, such as municipal solid waste and industrial recycling. By Position of Shafts Industrial shredders are classified into horizontal and vertical shaft shredders based on the shaft position. Horizontal shaft shredders dominate the market due to their versatility in handling diverse materials like wood, metal, and plastic. They are widely utilized in high-volume applications such as municipal solid waste recycling. Vertical shaft shredders, while less common, are gaining traction in niche applications requiring fine particle shredding, especially in industries dealing with compact or lightweight materials. By Application The application segmentation includes municipal solid waste recycling (MSW), wood waste recycling, waste electronic and electronic equipment recycling (WEEE), paper reject recycling, and others. The MSW segment holds the largest share due to increasing urbanization and stringent regulations promoting sustainable waste management. WEEE recycling is rapidly growing as the volume of discarded electronic devices increases globally, while wood waste and paper reject recycling are driven by the need for resource recovery in construction and packaging industries. Other applications, including plastic and metal shredding, cater to diverse industrial needs. By Price Based on price, industrial shredders are categorized into low, medium, and high-cost segments. Low-cost shredders are popular among small-scale industries for basic applications, whereas medium-priced shredders cater to mid-sized businesses requiring enhanced efficiency and durability. High-cost shredders, featuring advanced automation and customization options, are preferred by large industries and specialized recycling units dealing with complex materials. By Distribution Channel The distribution channel segmentation includes direct and indirect sales. Direct sales dominate the market, as manufacturers often establish direct relationships with end-users to offer customized solutions and technical support. Indirect channels, including distributors and resellers, cater to smaller businesses and emerging markets, providing access to shredding equipment in regions where direct sales networks are less established. This dual-channel strategy ensures a broader market reach and enhanced customer support. Segmentation of Global Industrial Shredders Market- Segmentation By Number of Shafts Single Shaft Shredder Two Shaft Shredder Three Shaft Shredder Four Shaft Shredder By Position of Shafts Horizontal Shaft Shredder Vertical Shaft Shredder By Application Municipal Solid Waste Recycling (MSW) Wood Waste Recycling Waste Electronic and Electronic Equipment Recycling (WEE) Paper Reject Recycling Others (Plastic, Metal, etc.) By Price Low Medium High By Distribution Channel Direct Indirect By Region North America U.S Canada Mexico Europe Germany France U.K. Italy Spain Rest of Europe Asia Pacific China Japan India South Korea South-east Asia Rest of Asia Pacific Latin America Brazil Argentina Rest of Latin America Middle East & Africa GCC Countries South Africa Rest of Middle East and Africa Tailor the report to align with your specific business needs and gain targeted insights. Request customization now- https://www.credenceresearch.com/report/data-centre-market https://www.credenceresearch.com/report/industrial-shredders-market Regional Analysis North America North America holds a significant share of the industrial shredders market, driven by stringent environmental regulations and advanced recycling infrastructure. The United States leads the region, with high adoption rates in municipal solid waste recycling and electronic waste management. Increasing investments in sustainable waste management practices and innovations in shredding technologies, such as smart shredders and automation integration, further boost market growth. Canada also contributes significantly, with its growing emphasis on resource recovery and the circular economy. Europe Europe is a key market for industrial shredders, supported by strict regulatory frameworks like the European Green Deal and the Waste Framework Directive. Countries such as Germany , the UK, and France are leading adopters of shredding technologies for municipal waste, electronic waste, and industrial recycling. The region's focus on reducing landfill dependency and achieving higher recycling targets is driving demand for advanced shredding solutions. Additionally, the presence of established manufacturers and ongoing technological advancements contribute to market expansion in this region. Asia-Pacific The Asia-Pacific region is witnessing rapid growth in the industrial shredders market, fueled by industrialization, urbanization, and increasing waste generation in countries like China , India , and Japan . Rising government initiatives to improve waste management infrastructure and promote recycling are key growth drivers. China leads the market with large-scale adoption of shredding equipment in municipal waste management and e-waste recycling. India is emerging as a significant market, supported by government campaigns for clean cities and efficient waste handling systems. Middle East & Africa The industrial shredders market in the Middle East & Africa is growing steadily, with demand primarily driven by urbanization and industrial expansion in countries like Saudi Arabia , the UAE, and South Africa . Recycling initiatives and the need for effective waste management solutions in urban centers are promoting the adoption of shredders. However, challenges such as limited infrastructure and lack of awareness in underdeveloped areas restrain growth. Investments in recycling technologies and collaborations with global players are expected to drive future growth in this region. Top Companies – Advance Hydrau-Tech Pvt. Ltd. ANDRITZ AG BCA Industries Brentwood Recycling Systems ECO Green Equipment, LLC. EcoStan India Private Limited. Hammermills International Metso Corporation MOCO Maschinen- und Apparatebau GmbH & Co. KG Rapid Granulator Inc. Servo International SSI Shredding Systems, Inc. UNTHA Shredding Technology GmbH Vecoplan AG WEIMA Maschinenbau GmbH Competitive Landscape: The industrial shredders market is characterized by the presence of several global and regional players competing to enhance their market share through technological advancements, strategic partnerships, and product innovations. Key players in the market focus on offering a diverse range of shredders tailored to specific industrial applications such as municipal solid waste management, e-waste recycling, and construction waste processing. Global Leaders Leading companies like Vecoplan LLC, SSI Shredding Systems, Inc., and UNTHA shredding technology GmbH dominate the market with their extensive product portfolios and established brand presence. These companies leverage advanced technologies such as automation, IoT-enabled shredders, and energy-efficient designs to cater to evolving customer demands. Their global distribution networks and strong after-sales support provide a competitive edge, particularly in mature markets like North America and Europe . Regional and Emerging Players Regional players, such as ARJES GmbH in Europe and China's Harden Machinery Ltd., focus on cost-effective solutions to cater to local industries. These companies often excel in meeting specific regional requirements, such as compliance with local regulations and customization for niche applications. Emerging players in Asia-Pacific and Latin America are increasingly entering the market, driven by growing industrialization and demand for efficient waste management solutions. Competitive pricing and collaborations with local governments and industries help these players establish a foothold in the market. Strategic Initiatives Market participants are actively engaging in mergers and acquisitions to expand their geographic presence and enhance their technological capabilities. For instance, collaborations with recycling firms and partnerships with governments to develop sustainable waste management solutions are common strategies. Additionally, investments in research and development to introduce innovative products, such as shredders with enhanced automation and AI-driven efficiency, highlight the competitive intensity in the market. Latest Developments: In October 2024 Ecostan has developed a Dual Shaft Shredder, which is a heavy-duty machine designed for shredding a variety of materials efficiently. It features multiple shredding blades and a program control panel, ensuring automatic operation and including functions like auto-reverse to prevent overfeeding. This development focuses on enhancing the performance and usability of their industrial shredders. In August 2023 Advance Hydrau Tech Pvt. Ltd. announced the launch of its highly anticipated new product catalogue, showcasing the latest products in the scrap processing industry, including industrial shredders. In Nov 2023 ANDRITZ has received an order from Krones AG to supply six ADuro S shredders for a polypropylene recycling plant in the Southeast United States . These shredders will be operational in 2024 and provide a dry shredding solution that minimizes fines and extends wear part life. In Nov 2023 BCA Industries announced the PD1000 IO X tire shredder, designed to enhance productivity by overcoming bottlenecks in loading and unloading materials before and after shredding. This system allows for efficient use of open-top walking floor semi-trailers, which are common in the recycling industry. Reasons to Purchase this Report: Reasons to Purchase this Report: Gain a comprehensive understanding of the market through qualitative and quantitative analyses, considering both economic and non-economic factors, with segmentation and sub-segmentation details provided in terms of market value (USD Billion). Identify regions and segments expected to experience the fastest growth or dominate the market, with a detailed analysis of geographic consumption patterns and the factors driving or hindering market performance in each region. Stay informed about the competitive environment, with rankings of major players, recent product and service launches, partnerships, business expansions, and acquisitions from the past five years. Access detailed profiles of major market players, including company overviews, insights, product benchmarking, and SWOT analysis, to understand competitive advantages and market positioning. Explore the present and forecasted market landscape, with insights into growth opportunities, market drivers, challenges, and constraints for both developed and emerging regions. Benefit from Porter's Five Forces analysis and Value Chain insights to evaluate various market perspectives and competitive dynamics. Understand the evolving market scenario, including potential growth opportunities and trends expected in the coming years. Preview the report with a detailed sample and understand how it can benefit your business strategy. 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Renuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | California case is the first confirmed bird flu infection in a US child Health | Sharyl Attkisson: The raw milk debate, and a Maryland farm owner who says it’s good for you Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Health | Does fluoride cause cancer, IQ loss, and more? Fact-checking Robert F. Kennedy Jr.’s claims Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.

Own a piece of history: Commemorative Trump election cover plaque now availableMARTINSBURG — The For the Kids, By George Children’s Museum is getting ready for the holidays with lots of fun activities for families. Aubrey Ervin, executive director for the children’s museum, has planned several things to celebrate Christmas. Since the museum is located at the train station, Ervin thought it would be a fun idea to create a "Polar Express" theme. She decorated the play area so kids can learn about trains in an interactive way while enjoying a Christmas classic. Throughout December, the museum is continuing its story and activities events for kids of all ages. Today, at 11 a.m., hear the story “Full Moon Pups," where kids can make their own memory game. On Dec. 10 and 12, the museum will be reading “The Gingerbread House” and making gingerbread house parcels, while on Dec. 17 and 19, the museum will read “The Polar Express,” where kids can make their own magical train ticket. The museum also built a new art gallery, where guests can take home art that they like and share some of their own. Located outside the train station, people in the community are free to come and enjoy the beautiful work people created. “It’s like a little library,” Ervin said. “There is art people can take and leave something behind. At different events, we will have mini canvases at some of our crafting events that people can use. It will be a lot of fun.” Throughout the Christmas season, kids can visit the museum and send a letter to Santa Clause. A mailbox will be available for guests to drop off their letters. Later on, they will receive a reply later. This is the first year Ervin has worked on a project like this, but she’s excited to create some Christmas magic. “I hope I get a lot of letters,” Ervin said. “It’s something magical, especially for kids who are at that age where they believe in Santa Clause. It can be fun for adults, too. We’re really excited to see how it goes.” Later this week, there will also be a group that will create three-dimensional snowflakes to decorate the train station bridge. There were flowers hanging in the bridge, but now that the weather’s getting cold, Ervin thought it would be a good time to switch to something that better fits the holiday season. For more information on different events happening at the For the Kids, By George Children’s Museum, visit the website at https://forthekidsbygeorge.org .January 17, 2025 Deadline: Contact The Gross Law Firm to Join Class Action Suit Against WOLFThe name, image and likeness (NIL) market for student-athletes has seen unprecedented growth since its inception in 2021. According to Opendorse, an athlete marketplace and NIL technology company, the market is projected to expand from $917 million in 2021-22 to an estimated $1.67 billion by 2024-25. A combination of school policies and state laws currently dictates the deals athletes can make, ESPN reported. In states lacking oversight, the NCAA requires universities to establish policies for their athletes. Highlighting the lucrative potential of NIL deals, Colorado quarterback Shedeur Sanders, son of Buffaloes coach Deion Sanders, holds the top NIL valuation at $6.2 million, according to media and tech company On3. His endorsements include Nike, Beats by Dre and Google. In a landmark move, the House v. NCAA settlement proposal could allow Division I schools to pay college athletes for the first time in history. If finalized in April, schools could begin sharing between $20 million and $30 million in revenue with players as early as July 1, 2025, Front Office Sports reported. Participation is optional, but schools that opt in must provide revenue-sharing dollars to all athletes in their departments. The NCAA is advocating for federal guidelines to regulate the NIL market. In September, NCAA President Charlie Baker expressed concerns over dysfunction in the NIL environment, including unfulfilled promises to student-athletes. He urged Congress to establish national NIL guidelines to protect student-athletes and standardize contracts. “We continue to see evidence of dysfunction in today’s NIL environment, including examples of promises made but not kept to student-athletes. Just as anyone who owns stock or buys a house is afforded basic consumer protections, it’s clear that student-athletes entering NIL contracts should be too,” Baker wrote on X. “While we’d love to see these resources used to protect student-athletes in every NIL deal, it’s not something the NCAA has the authority to mandate. In the meantime, we’re continuing to advocate for Congress to create national NIL guidelines that will protect student-athletes from exploitation, including the use of standard contracts.” Interest in federal involvement is evident on Capitol Hill. Senator Ted Cruz, R-Texas, poised to chair the Commerce Committee, said a college sports bill would be a top priority, according to the Associated Press. Cruz will need bipartisan support to pass the necessary 60-vote threshold in the Senate, requiring compromise with lawmakers focused on athlete welfare over expanding NCAA authority. Members from both parties agree on the need for national NIL standards and granting the NCAA rule-making power for college sports. Have a news tip? Contact Janae Bowens at jnbowens@sbgtv.com or at x.com/JanaeBowens. Content from The National Desk is provided by Sinclair, the parent company of FOX45 News.