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As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.Lucknow, Dec 26 (PTI) The Uttar Pradesh government is set to create the UP Pavilion on a five-acre site, showcasing the state's vibrant cultural and spiritual heritage in the upcoming Maha Kumbh 2025. Organised by the Department of Tourism, the pavilion will provide visitors with a glimpse of Uttar Pradesh's top tourist destinations and cultural treasures, according to an official statement. Also Read | Bank Holidays in 2025: From Festivals to National Holidays and More, Check Complete List of Bank Holiday Dates for Upcoming Year. The pavilion will also feature an exquisite handicrafts market showcasing the region's renowned artistry along with cultural programmes. "The Uttar Pradesh State Pavilion is being constructed near Mahakumbh Kshetra Sector-7 Nagavasuki Temple, spanning approximately five acres. This pavilion will showcase the state's 12 prominent tourism circuits, including the Ramayana Circuit, Krishna-Braj Circuit, Buddhist Circuit, Mahabharata Circuit, Shaktipeeth Circuit, Spiritual Circuit, Sufi-Kabir Circuit, Jain Circuit, Bundelkhand Circuit, Wildlife and Eco Circuit, Craft Circuit, and Freedom Struggle Circuit," it said. Also Read | Maha Kumbh Mela 2025 Dates: When and Where Is Mahakumbh? When Is Shahi Snan? From Important Dates to Key Locations, Here's All You Need To Know. A large 15,000-square-foot 3D map will depict iconic sites such as Ayodhya, Kashi, Mathura, Prayagraj, Kushinagar, Sarnath, and Naimisharanya, offering detailed insights into their significance, the statement added. Tourism and Culture Minister Jaiveer Singh said Uttar Pradesh's uniqueness lies in its religious, spiritual, and natural tourism destinations, along with its cuisine, handicrafts, music, and dance forms. "With an estimated 40 crore devotees expected to attend Mahakumbh 2025, the pavilion aims to acquaint visitors with the state's rich heritage and cultural legacy," Singh said. The Pavilion will further feature 75 stalls dedicated to the state's One District One Product (ODOP) scheme, showcasing unique products from each district, he said. Three stages will host cultural programmes while over 20 food stalls will serve local and regional delicacies from across the country. To enhance the visitor experience, special selfie points will be set up across the pavilion, he added. Singh further highlighted that this year's Maha Kumbh will stand apart from traditional editions. Advanced technology will be used for monitoring the fairgrounds, ensuring top-notch security and cleanliness. (This is an unedited and auto-generated story from Syndicated News feed, LatestLY Staff may not have modified or edited the content body)Morgan Rogers looked to have given Unai Emery’s side another famous win when he slammed a loose ball home at the death, but referee Jesus Gil Manzano ruled Diego Carlos to have fouled Juve goalkeeper Michele Di Gregorio and the goal was chalked off. It was a disappointment for Villa, who remain unbeaten at home in their debut Champions League campaign and are still in contention to qualify automatically for the last 16. A very controversial finish at Villa Park 😲 Morgan Rogers' late goal is ruled out for a foul on Juventus goalkeeper Michele Di Gregorio and the match ends 0-0 ❌ 📺 @tntsports & @discoveryplusUK pic.twitter.com/MyYL5Vdy3r — Football on TNT Sports (@footballontnt) November 27, 2024 Emiliano Martinez had earlier displayed why he was named the best goalkeeper in the world as his wonder save kept his side level in the second half. The Argentina international paraded his two Yashin Trophies on the pitch before kick-off at Villa Park and then showed why he won back-to-back FIFA awards when he denied Francisco Conceicao. Before Rogers’ moment of drama in the fourth minute of added time, the closest Villa came to scoring was in the first half when Lucas Digne’s free-kick hit the crossbar. But a draw was a fair result which leaves Villa out of the top eight on goal difference and Juventus down in 19th. Before the game Emery called Juventus one of the “best teams in the world, historically and now”, but this was an Italian side down to the bare bones. Only 14 outfield players made the trip from Turin, with striker Dusan Vlahovic among those who stayed behind. The opening 30 minutes were forgettable before the game opened up. Ollie Watkins, still chasing his first Champions League goal, had Villa’s first presentable chance as he lashed an effort straight at Di Gregorio. Matty Cash then had a vicious effort from the resulting corner which was blocked by Federico Gatti and started a counter-attack which ended in Juventus striker Timothy Weah. Villa came closest to breaking the deadlock at the end of the first half when Digne’s 20-yard free-kick clipped the top of the crossbar and went over. Martinez then produced his brilliant save just after the hour. A corner made its way through to the far post where Conceicao was primed to head in at the far post, but Martinez sprawled himself across goal to scoop the ball away. How has he kept that one out?! 🤯 Emi Martinez with an INCREDIBLE save to keep it goalless at Villa Park ⛔️ 📺 @tntsports & @discoveryplusUK pic.twitter.com/OkcWHB7YIk — Football on TNT Sports (@footballontnt) November 27, 2024 Replays showed most of the ball went over the line, but the Argentinian got there with millimetres to spare. At the other end another fine goal-line block denied John McGinn as Manuel Locatelli got his foot in the way with Di Gregorio beaten. The game looked to be petering out until a last-gasp free-kick saw Rogers slam home, but whistle-happy official Gil Manzano halted the celebrations by ruling the goal out.
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NORTH ALABAMA 100, DALTON STATE 69AP News Summary at 1:24 p.m. EST
DAYTONA BEACH, Fla. (AP) — Ian Schieffelin had 18 points, 13 rebounds and eight assists in leading Clemson to a 75-67 win over Penn State on Tuesday and the championship of the Sunshine Slam Beach Division. Chase Hunter added 17 points, Chauncey Wiggins 14 and Del Jones 10 for the Tigers (6-1), who shot 44% and made 9 of 19 3-pointers led by Hunter's three. Ace Baldwin Jr. scored 20 points and had 11 assists, Yanic Konan Niederhauser added 14 points and Nick Kern Jr. 11 for the Nittany Lions (6-1), who shot 46% and were just 4 of 18 from the arc. Neither team had a double-digit lead in the game and it was tied with seven minutes to go. But Penn State had a six-minute drought without a field goal while committing three turnovers and the Tigers went up by six. A hook shot from Schieffelin with a minute to go made it a five-point lead and free throws sealed it from there. The eight-point final margin was the largest of the game. Konan Niederhauser's dunk to open the second half tied the game but a Hunter 3-pointer gave the lead back to Clemson. Penn State took its first lead of the second half on a 9-0 run, seven coming from Baldwin, to go up 57-54 with midway through the period. Penn State had its largest lead of seven in the first half but three consecutive 3s put Clemson ahead with three minutes to go and the Tigers led at 38-36 at halftime. Clemson had a 16-9 edge on points off turnovers. ___ Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college basketball: https://apnews.com/hub/ap-top-25-college-basketball-poll and https://apnews.com/hub/college-basketball
NEW YORK--(BUSINESS WIRE)--Dec 26, 2024-- The iconic fitness brand and website, Men’s Fitness , has relaunched under The Arena Group . Originally published in 1987 as the ‘magazine for active men,’ the brand’s mission is to be the definitive source for men who want to live stronger, healthier lives. The new site contains health and fitness news, training routines, nutrition expertise, gear reviews and more. The site is led by Matt Allyn, former Editor-in Chief of Men’s Journal . Allyn also previously wrote for Runner’s World , Bicycling and Men’s Health . This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20241226468398/en/ Beloved Fitness Brand, Men’s Fitness, Returns under The Arena Group just in time for New Year's resolutions. (Photo: Business Wire) The staff is comprised of seasoned health and fitness writers and experts. The team also has an Advisory Board made up of doctors, certified trainers and dieticians who are regular contributors to the site, providing guidance and context on the latest research or trending fitness content. One goal of the new site is to connect readers directly to these experts. “We’re at a point where there is more interest than ever in fitness and health,” said Allyn. “But it’s also harder than ever for readers to know who to trust. There is a lot of noise in this space. So, one of our main goals is to identify and showcase experts in this field, to help readers navigate their fitness journey with trusted sources.” New Year’s Resolutions Beginning earlier this month, and continuing through January, Men’s Fitness will produce a series of feature stories on men who went through health transformations – and will showcase the steps they took throughout the process. The goal is to inspire others to live their healthiest life. “Everyone’s health needs are different,” said Allyn. “We’re excited to kick off the new year by illuminating these stories to aid and inspire men on their health and fitness journey.” Men’s Fitness – which had been a sub brand of Men’s Journal since 2017 – is focused solely on health, fitness and nutrition. It has a robust social following on Facebook and X and the team plans to focus on growing its social content and audience in 2025. About The Arena Group The Arena Group (NYSE American: AREN) is an innovative technology platform and media company with a proven, cutting-edge playbook that transforms media brands. Arena’s unified technology platform empowers creators and publishers with tools to publish and monetize their content, while also leveraging quality journalism of anchor brands like TheStreet, Parade , Men’s Journal and Athlon Sports to build their businesses. The company aggregates content across a diverse portfolio of brands, reaching over 100 million users monthly. Visit us at thearenagroup.net and discover how we are revolutionizing the world of digital media. View source version on businesswire.com : https://www.businesswire.com/news/home/20241226468398/en/ CONTACT: Steve Janisse c-sjanisse@thearenagroup.net 404-574-9206 KEYWORD: NEW YORK UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: OTHER COMMUNICATIONS PUBLISHING FITNESS & NUTRITION MEN COMMUNICATIONS MEDIA LIFESTYLE HEALTH CONSUMER SOURCE: The Arena Group Copyright Business Wire 2024. PUB: 12/26/2024 11:38 AM/DISC: 12/26/2024 11:37 AM http://www.businesswire.com/news/home/20241226468398/enRoyal Caribbean's maritime EVP sells $763,922 in stock