• Todd Ray is senior vice president, provider network management and Medicare products at BlueCross BlueShield of Tennessee.

When shopping for goods and services, cost is most often the determining factor. For those preparing to shop for health care coverage, that’s never been more true.

We’ve all felt the impact of inflation on food and gas prices, and these concerns will likely carry into the holiday season as many Tennesseans travel and exchange gifts. As families continue to face high prices, many of us are in the market for health coverage we don’t receive from an employer β€” and weighing options that fit in our budgets.

For seniors, the Medicare annual enrollment period runs Oct. 15-Dec. 7. For others looking for a plan through the federal health insurance Marketplace, open enrollment runs Nov. 1-Dec. 15 for coverage effective Jan. 1, 2023. (Marketplace open enrollment ends altogether on Jan. 15; later-enrollment coverage

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The media landscape has changed significantly over the years thanks to the rise of the internet and social media. With platforms like YouTube and TikTok, anyone can go online, create content, and find their niche audience. As a result, media has become more decentralized than ever, and millions of content creators have created a new space in the entertainment industry β€” the creator economy.

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Laura Stuart of Laura Elizabeth Jewelry joined Studio 512 Co-Host Rosie Newberry to talk about online jewelry shopping tips.

I’m shopping online a lot these days, the hardest part is knowing how the sizing works. When it comes to necklace lengths, how do I know what’s what and what’s best for me?

β€œThe first thing to think about is your height and what is the most common neckline you wear. For example, do you wear more boatnecks, scoop necks, v-necks, button down, or turtlenecks? I’m a bit about versatility. I’m 5’8 and have a pretty thin neck, so I wear 15-16 inches. 15 inches or under are considered ‘chokers.’ All Laura Elizabeth necklaces come with a two-inch extender. So, a 16-inch necklace looks good with most necklines. However, if I want to layer it, the extender gives me room to play.”

How do I know where the 16-inch necklace hits

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