Opinion: A Health Insurance Detective Story

I’VE had a long career as a business journalist, beginning at Forbes and including eight years as the editor of Money, a personal finance magazine. But I’ve never faced a more confounding reporting challenge than the one I’m engaged in now: What will I pay next year for the pill that controls my blood cancer?

After making more than 70 phone calls to 16 organizations over the past few weeks, I’m still not totally sure what I will owe for my Revlimid, a derivative of thalidomide that is keeping my multiple myeloma in check. The drug is extremely expensive — about $11,000 retail for a four-week supply, $132,000 a year, $524 a pill. Time Warner, my former employer, has covered me for years under its Supplementary Medicare Program, a plan for retirees that included a special Writers Guild benefit capping my out-of-pocket prescription costs at $1,000 a year. That out-of-pocket limit is scheduled to expire on Jan. 1. So what will my Revlimid cost me next year?

The answers I got ranged from $20 a month to $17,000 a year. One of the first people I phoned said that no matter what I heard, I wouldn’t know the cost until I filed a claim in January. Seventy phone calls later, that may still be the most reliable thing anyone has told me.

Like around 47 million other Medicare beneficiaries, I have until this Friday, Dec. 7, when open enrollment ends, to choose my 2013 Medicare coverage, either through traditional Medicare or a private insurer, as well as my drug coverage — or I will risk all sorts of complications and potential late penalties.

But if a seasoned personal-finance journalist can’t get a straight answer to a simple question, what chance do most people have of picking the right health insurance option?

A study published in the journal Health Affairs in October estimated that a mere 5.2 percent of Medicare Part D beneficiaries chose the cheapest coverage that met their needs. All in all, consumers appear to be wasting roughly $11 billion a year on their Part D coverage, partly, I think, because they don’t get reliable answers to straightforward questions.

Here’s a snapshot of my surreal experience:

NOV. 7 A packet from Time Warner informs me that the company’s new 2013 Retiree Health Care Plan has “no out-of-pocket limit on your expenses.” But Erin, the person who answers at the company’s Benefits Service Center, tells me that the new plan will have “no practical effect” on me. What about the $1,000-a-year cap on drug costs? Is that really being eliminated? “Yes,” she says, “there’s no limit on out-of-pocket expenses in 2013.” I tell her I think that could have a major effect on me.

Next I talk to David at CVS/Caremark, Time Warner’s new drug insurance provider. He thinks my out-of-pocket cost for Revlimid next year will be $6,900. He says, “I know I’m scaring you.”

I call back Erin at Time Warner. She mentions something about $10,000 and says she’ll get an estimate for me in two business days.

NOV. 8 I phone Medicare. Jay says that if I switch to Medicare’s Part D prescription coverage, with a new provider, Revlimid’s cost will drive me into Medicare’s “catastrophic coverage.” I’d pay $2,819 the first month, and 5 percent of the cost of the drug thereafter — $563 a month or maybe $561. Anyway, roughly $9,000 for the year. Jay says AARP’s Part D plan may be a good option.

NOV. 9 Erin at Time Warner tells me that the company’s policy bundles United Healthcare medical coverage with CVS/Caremark’s drug coverage. I can’t accept the medical plan and cherry-pick prescription coverage elsewhere. It’s take it or leave it. Then she puts CVS’s Michele on the line to get me a Revlimid quote. Michele says Time Warner hasn’t transferred my insurance information. She can’t give me a quote without it. Erin says she will not call me with an update. I’ll have to call her.

My oncologist’s assistant steers me to Celgene, Revlimid’s manufacturer. Jennifer in “patient support” says premium assistance grants can cut the cost of Revlimid to $20 or $30 a month. She says, “You’re going to be O.K.” If my income is low enough to qualify for assistance.

NOV. 12 I try CVS again. Christine says my insurance records still have not been transferred, but she thinks my Revlimid might cost $17,000 a year.

Adriana at Medicare warns me that AARP and other Part D providers will require “prior authorization” to cover my Revlimid, so it’s probably best to stick with Time Warner no matter what the cost.

But Brooke at AARP insists that I don’t need prior authorization for my Revlimid, and so does her supervisor Brian — until he spots a footnote. Then he assures me that it will be easy to get prior authorization. All I need is a doctor’s note. My out-of-pocket cost for 2013: roughly $7,000.

NOV. 13 Linda at CVS says her company still doesn’t have my file, but from what she can see about Time Warner’s insurance plans my cost will be $60 a month — $720 for the year.

CVS assigns my case to Rebecca. She says she’s “sure all will be fine.” Well, “pretty sure.” She’s excited. She’s been with the company only a few months. This will be her first quote.

NOV. 14 Giddens at Time Warner puts in an “emergency update request” to get my files transferred to CVS.

Frank Lalli is an editorial consultant on retirement issues and a former senior executive editor at Time Warner’s Time Inc.

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Designer made herself into a manufacturer

Shoemaker Annie Mohaupt nearly closed down a year ago after her move to make sandals in China proved a bust. In the year that followed, she started her own factory in Chicago, producing and selling her luxury wooden shoes. (Posted Dec. 1st, 2012)

Shoemaker Annie Mohaupt nearly closed down a year ago after her move to make sandals in China proved a bust. The sandals could easily be pulled apart.

She looked into what it would cost to make her sandals in another country but returned production to Chicago. The decision, she said, allows her to tap into growing demand for U.S.-made products and to utilize manufacturing technology that makes her company, Mohop Inc., a global competitor.

"I have a factory," Mohaupt said, her statement reflecting her evolution from thinking of herself solely as a designer. As a manufacturer she understands she has control over the quality of her products — a key to sales and growth. "I'm happy but it's also intimidating. There is a lot to manage and wrap my head around."

Mohaupt's tale is illustrative of what manufacturing experts and politicians have been saying for quite some time: American manufacturers can be successful and create jobs by using the latest technology in producing and developing products.

So far this year, Mohaupt has sold about 1,500 pairs of sandals for about $158,000, she said. Mohaupt credits Facebook fans and word-of-mouth recommendations for a 500 percent increase in sales this fall over a year ago, and she expects to sell about 5,000 pairs of sandals in 2013. When she reaches annual sales of 10,000 pairs, Mohaupt said she'll need to invest in more equipment, like a new wood-cutting machine.

"I want for her to be making her shoes in the U.S.," said Greg Kaleel, owner of American Male & Co. a family-owned retail shop in Oswego, adding that his customers will pay more for shoes made here. "That's how important the 'made in America' is."

On a recent evening, the sweet smell of burned walnut filled Mohaupt's basement shop in a three-story building in Chicago's River West neighborhood. The smell emanated from a computerized machine about the size of a pingpong table cutting walnut blocks into triangles with concave curves and arches. Those curves support the heel and arch of a woman's foot and create a sleek, sophisticated look.

An architect by training, Mohaupt, 37, feeds her three-dimensional designs into a program that converts it into letters and numbers and tells the machine where to cut. That was the easy part for her to learn. To operate the machine, Mohaupt relied on a tutorial from the machine-maker and learned the rest via the Internet.

The soft-spoken woman employs three people, including an office manager and a young designer. If sandals sell as planned, she would hire four to six temporary workers in the spring. That's when sales typically ramp up after the winter lull. Mohaupt wants to expand her product line to lessen her dependence on sandal sales. One idea is a moccasin she can sell in the cold months.

Mohaupt has come a long way since 2005, when she cut and glued layers of plywood by hand to make her sandals. Her early versions featured a cylindrical wooden heel and elastic loops on each side of the sole that acted as guides for ties or ribbons that customers could change at will — her signature design.

She sold her first sandals for $70 at a craft fair and appeared to be off and running. The bliss of her success crumbled the following morning when customers complained that the shoes easily came apart. The heels broke off and the loops snapped. In effect, the stumble marked the beginning of her apprenticeship as a manufacturer.

Mohaupt spent the next year quizzing seasoned shoemakers and shoe repairers about how she could improve the quality of her shoes. Ultimately, she decided that her sandals should be able to withstand 100 miles of use. To test her designs, she wore her sandals while taking her dog on five-mile treks.

"I lost some weight," she said. She also test-marketed the evolving sandals by mailing samples to her first customers. Some got up to five pairs as Mohaupt developed — and later patented — a system to keep the elastic loops in place. One problem licked, she then focused on the labor involved.

Cutting the plywood by hand was grueling work in its own right. And then she had to glue together the layers. "I would end up covered in glue," she said.

So Mohaupt began experimenting with wooden blocks, which she'd sculpt with a saw into wedges. That eliminated having to glue together layers of plywood but still was physically draining.

That's when she made a decision that would forever change her business. In 2009 she bought on credit a $70,000 computer-driven machine that could read her 3-D designs and cut heels in minutes, saving hours of labor. The machine also allowed Mohaupt to experiment with new designs. For example, she could for the first time produce curved heel bases and make shoes with added arch support.

Demand grew steadily, which should have been a good problem. But even with the machine she couldn't keep pace with orders. Mohaupt tried training people to make the sandals but found that she couldn't train them and make shoes at the same time.

That's when she first considered outsourcing production. She tested a Canadian shoemaker but severed the relationship after it sent her a shipment of poorly made shoes. Mohaupt also was unsuccessful in lining up production in Argentina.

Then, suddenly, a competitor emerged that jolted her into making a decision that ultimately would nearly bring down her company. The competitor was selling sandals almost identical to hers and nudging her sandals out of local shops she had supplied for years. Its prices also were lower because it was producing its sandals in China. She faced being driven out of business, she said.

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Kansas City Chiefs linebacker Jovan Belcher kills girlfriend, self

Police say a 25-year-old Kansas City Chiefs player was involved in two shootings Saturday, one of which occurred in the parking lot near Arrowhead Stadium. (Dec. 1)

KANSAS CITY, Mo. -- Kansas City Chiefs linebacker Jovan Belcher this morning shot and killed his girlfriend before going to Arrowhead Stadium and fatally shooting himself as team personnel tried to stop him, police said.

Police Capt. David Lindaman said Belcher, 25, and his girlfriend, 22, got into an argument around 7 a.m. at their home in the 5400 block of Crysler Avenue in Kansas City. Around 7:50 a.m., Lindaman said, Belcher shot his girlfriend multiple times. She was taken to a hospital, where she was pronounced dead.

The Star is not naming the victim at this time pending assurances that her family has been notified.

Lindaman said Belcher’s mother, who was visiting the couple and their 3-month-old daughter, witnessed the shooting and was being interviewed by police.

Belcher left the scene on Crysler and went to the Chiefs practice facility at Arrowhead, police said.

Police were called to the stadium around 8:10 a.m. When Belcher arrived there he encountered General Manager Scott Pioli, Coach Romeo Crennel and other team personnel. Police said Chiefs staff attempted to keep Belcher from committing additional acts of violence. When police arrived, they heard a gunshot and found that Belcher had shot himself in the head.

Chiefs chairman and CEO Clark Hunt released the following statement:

"The entire Chiefs family is deeply saddened by today's events, and our collective hearts are heavy with sympathy, thoughts and prayers for the families and friends affected by this unthinkable tragedy. We sincerely appreciate the expressions of sympathy and support we have received from so many in the Kansas City and NFL communities, and ask for continued prayers for the loved ones of those impacted.

"We will continue to fully cooperate with the authorities and work to ensure that the appropriate counseling resources are available to all members of the organization.”

According to Jay Glazer of FoxSports.com, the NFL plans to proceed with Sunday's game between the Chiefs and Carolina Panthers at Arrowhead Stadium, although league and team officials continue to discuss the matter.

Outside the home on Crysler, Jennifer Ashley, who said she was a friend of Belcher’s girlfriend, said the woman was a student at Blue River Community College in Independence and had started dating Belcher after being introduced to him by the girlfriend of another Chiefs player.

Belcher, originally from Long Island, N.Y., had been with the Chiefs for four years. He joined the team as an undrafted free agent out of the University of Maine.

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Show sheds light on Handel’s hidden “Messiah” helper

LONDON (Reuters) – Anyone dusting off their copy of George Frederic Handel‘s “Messiah” in the run-up to Christmas this year might spare a thought for the unsung hero of the piece.

Without Charles Jennens, experts argue that the 18th century oratorio would never have been created, robbing Western choral music of one of its greatest works.

Handel House Museum, located in the cozy London home where the German-born composer spent much of his life, is seeking to put the record straight about a man who, for many reasons, has been passed over by history.

“The Messiah would not have been written without him,” said the museum’s director Sarah Bardwell of Jennens, who lived from 1700 to 1773.

For landowner and patron of the arts Jennens, the words to the Messiah were an expression of deeply held Protestant beliefs, and he was determined that Handel, a composer he had long championed, set it to music.

The words, famously opening with “Comfort ye”, are not Jennens’ own but carefully selected verses from the Bible as well as a small number of psalms from the Book of Common Prayer.

“If you listen to the words it’s all to do with your relationship with God as in the individual, there’s none of the big theological questions,” Bardwell told Reuters.

“Everyone can relate to the Messiah, even beyond Christianity on some level,” she added. “I think that’s why Jennens is so instrumental.”

FRIEND AND BENEFACTOR

Jennens, whose family fortune came from iron, was a friend of Handel and a major backer, subscribing to his music and providing the texts for “Saul”, “Belshazzar”, “L’Allegro, il Penseroso ed il Moderato” and probably “Israel in Egypt”.

So important did Handel consider Jennens that he referred to “your oratorio Messiah” in a letter to the librettist and made a detour on his way home from its premiere in Dublin to visit Jennens and tell him of its success with audiences.

The exhibition, “The Man Behind Messiah”, includes Handel’s autographed score of Saul which Jennens also annotated, suggesting changes to the composer’s work including a different entry point for the words “impious wretch”.

Yet Jennens’ name never appeared on scores, helping to explain why his contribution is largely unknown. An intensely private man, Jennens had reasons for remaining anonymous.

As a “non-juror”, or someone who did not endorse the Hanoverian royal dynasty that succeeded the House of Stuart, he was effectively barred from holding positions of authority.

And when, late in life, he published groundbreaking single-volume editions of some of Shakespeare’s most famous plays, he was attacked by a rival, Shakespearean commentator George Steevens (Eds: correct), and, thus, once again overlooked.

“It’s another reason he becomes kind of cut out of history,” Bardwell explained. “It’s been a fascinating insight into how people can just be written out of history.”

Ironically, despite his fundamental role in the Messiah and some of Handel’s other great oratorios, Jennens was not the biggest fan of a work that took less than a month to compose.

“He just thought Handel maybe rushed it off too quickly,” said Bardwell. Ruth Smith, the curator of the exhibition, believes Handel had the manuscript for about 18 months before he started work on it.

“For it to be rattled off in three weeks, I think Jennens felt that maybe he hadn’t done himself justice.

“I don’t think he ever quite got over his opinion that it wasn’t as good as he had hoped it was going to be. I think that also doesn’t help his reputation. I’m not sure he ever quite recovered from that.”

The Man Behind Messiah runs until April 14, 2013.

(Reporting by Mike Collett-White)

Music News Headlines – Yahoo! News

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Jewel parent says sale talks proceeding

Exterior of Jewel-Osco's first "Green Store" located at 370 N. Desplaines in Chicago. (Antonio Perez / November 29, 2012)

By Emily Bryson York




Chicago Tribune reporter

6:51 a.m. CST, November 30, 2012

Supervalu, the Minneapolis-based parent of Jewel-Osco said sale talks are proceeding after stock closed down more than 18 percent Thursday, to $2.28.

The beleaguered grocery chain was likely moving to combat reports that sale talks with suitor Cerberus Capital Management had stalled over funding.

"The company continues to be in active discussion with several parties," according to the statement. "There can be no assurance that this process will result in any transaction or any change in the Company's overall structure or its business model."

Supervalu, the third-largest U.S. grocery chain, has acknowledged sale talks since the spring. The company has been closing stores and cutting jobs as it has underperformed competitors like Dominick's parent Safeway and Kroger.

If Supervalu does not sell to Cerberus, it may have to restructure on its own or sell off individual assets, which could have big tax consequences, Bloomberg said.

Reuters reported last month that buyout firm Cerberus was preparing a takeover bid for Supervalu, the third-largest U.S. supermarket chain.

Cerberus officials could not be reached immediately for comment.

-- Reuters contributed to this report

In addition to Jewel, Supervalu owns Albertsons, Cub and other regional grocery chains.

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Missouri Powerball jackpot winner: 'It's surreal'

Cindy Hill, a laid-off office manager who lives in a small town in Missouri, called her husband Thursday with urgent news that would change everything: "We won the lottery."

"What?" he asked.

"We won the lottery," she repeated. But Mark Hill, a 52-year-old mechanic who works at a meat processing plant, is the kind of person who carefully checks the prices for everything he buys, and he needed proof.

He drove to his mother's house, where his wife was waiting with their quick-pick ticket, and confirmed for himself that the numbers matched those drawn for a record $588 million Powerball jackpot that they'll share with an unknown winner who bought a ticket in Arizona.

Missouri lottery officials officially introduced the Hills as winners Friday in front of reporters and townspeople gathered at the high school in Dearborn, which is about 40 miles north of Kansas City. The announcement was not a surprise. The Hills' name began circulating Thursday, soon after lottery officials said a winning ticket had been sold at a Trex Mart gas station and convenience store on the edge of town.

The Hills chose to take their winnings in a lump sum, not annual payments. Lottery officials estimated the cash payment at about $385 million, or about $192.5 million for each ticket.

The oversized novelty check handed to the Hills on Friday was written in the amount of $293,750,000, but Missouri Lottery spokeswoman Susan Goedde said that after taxes, they will receive about $136.5 million.

"We're still stunned by what's happened," said Cindy Hill, 51, who was laid off in June 2010. "It's surreal."

The couple have three grown sons and a 6-year-old daughter they adopted from China five years ago. They said they are now considering a second adoption with their winnings, and they plan to help other relatives, including their grandchildren and nieces and nephews, pay for college. They're planning vacations, and their daughter, Jaiden, wants a pony. Mark Hill has his eye on a red Camaro.

More immediately, they're preparing for "a pretty good Christmas" and anticipating an onslaught of requests for financial help.

"When it's that big of a Powerball, you're going to get people coming out of the woodwork, some of them might not be too sane," Cindy Hill said. "We have to protect our family and grandkids."

The jackpot was the second-largest in U.S. history and set off a nationwide buying frenzy, with tickets at one point selling at nearly 130,000 per minute. The other winning ticket was sold at 4 Sons Food Store in Fountain Hills near Phoenix. No one has come forward with it yet, lottery officials said.

Before Wednesday's drawing, the jackpot had rolled over 16 consecutive times without someone hitting the jackpot.

Myron Anderson, pastor of the Baptist Church in nearby Camden Point, said he heard Thursday that the Hills had won the huge prize. Anderson said he has known Mark Hill since they attended high school together.

"He's a really nice guy, and I know his wife, and they have this nice little adopted daughter that they went out of their way to adopt," Anderson said. Funeral services for Hill's father were at the Baptist church, but the family attends church elsewhere, he said.

"I hope it's good news for them," Anderson said. "I've heard awful horror stories about people who get all that money in their lap and how everybody treats them, and if you don't mind me saying, I mean just the fact that the press is going to be after them."

Kevin Bryan, a lifelong Dearborn resident, said the only other local lottery winner he could remember was a farmer who won about $100,000 in scratch-off game years ago "and bought himself a combine."

In a Mega Millions drawing in March, three ticket buyers shared a $656 million jackpot, the largest lottery payout of all time.

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Study: DVRs now in half of US pay-TV homes

NEW YORK (AP) — A new survey finds that digital video recorders are now in more than half of all U.S. homes that subscribe to cable or satellite TV services.

Leichtman Research Group‘s survey of 1,300 households found that 52 percent of the ones that have pay-TV service also have a DVR. That translates to about 45 percent of all households and is up from 13.5 percent of all households surveyed five years ago by another firm, Nielsen.

The first DVRs came out in 1999, from TiVo Inc. and ReplayTV. Later, they were built into cable set-top boxes. The latest trend is “whole-home” DVRs that can distribute recorded shows to several sets.

Even with the spread of DVRs, live TV rules. Nielsen found last year that DVRs accounted for 8 percent of TV watching.

Gadgets News Headlines – Yahoo! News

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No charges against Chris Brown in Fla. phone grab

MIAMI (AP) — Grammy-winning singer Chris Brown won’t be charged with a crime after a woman claimed he snatched her cell phone when she tried to take his photo outside a Miami Beach club.

A memo released Friday by the Miami-Dade County State Attorney‘s office concludes there is no evidence that Brown intended to steal the phone in February or that he deleted the photo. One or the other is necessary for him to be charged.

Prosecutors say that Brown tossed the phone from his limo and that it was picked up by security.

A felony charge against the 24-year-old might have triggered a violation of his probation for his 2009 assault on singer Rihanna, who was his girlfriend at the time. The two have recently collaborated on a new duet.

Entertainment News Headlines – Yahoo! News

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Jewel parent says sale talks proceeding

Exterior of Jewel-Osco's first "Green Store" located at 370 N. Desplaines in Chicago. (Antonio Perez / November 29, 2012)

By Emily Bryson York




Chicago Tribune reporter

6:51 a.m. CST, November 30, 2012

Supervalu, the Minneapolis-based parent of Jewel-Osco said sale talks are proceeding after stock closed down more than 18 percent Thursday, to $2.28.

The beleaguered grocery chain was likely moving to combat reports that sale talks with suitor Cerberus Capital Management had stalled over funding.

"The company continues to be in active discussion with several parties," according to the statement. "There can be no assurance that this process will result in any transaction or any change in the Company's overall structure or its business model."

Supervalu, the third-largest U.S. grocery chain, has acknowledged sale talks since the spring. The company has been closing stores and cutting jobs as it has underperformed competitors like Dominick's parent Safeway and Kroger.

If Supervalu does not sell to Cerberus, it may have to restructure on its own or sell off individual assets, which could have big tax consequences, Bloomberg said.

Reuters reported last month that buyout firm Cerberus was preparing a takeover bid for Supervalu, the third-largest U.S. supermarket chain.

Cerberus officials could not be reached immediately for comment.

-- Reuters contributed to this report

In addition to Jewel, Supervalu owns Albertsons, Cub and other regional grocery chains.

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Winning tickets sought in $588 million jackpot

The search is on for the country's newest multimillionaires, the holders of two tickets that matched all six numbers to claim a record $588 million Powerball jackpot.

Lottery officials said Thursday that the winning tickets matching all six numbers were sold at a convenience store in suburban Phoenix and a gas station just off Interstate 29 in a small northwestern Missouri town. Neither ticket holder had come forward.

The mystery fueled a giddy mood at the Trex Mart just outside Dearborn, Mo. — population 500 — as lottery officials and the media descended.

Cashiers Kristi Williams and Kelly Blount greeted customers with big smiles and questions about whether they had bought the winning ticket. No one had come forward to claim the prize by late Thursday morning, Missouri Lottery officials said.

"It's just awesome," Williams said. "It's so exciting. We can't even work."

The winning ticket sold in Arizona was purchased at a 4 Sons Food Store in Fountain Hills, Ariz., state lottery officials said.

In Dearborn, Williams said several local people buy lottery tickets there regularly and workers were hoping it was one of their regulars.

But Baron Hartell, son of the store's owner, Lowell Hartell, said truck drivers moving in both directions on the north-south interstate that connects Kansas City to the Canadian border who frequent the store are also considered locals.

"Even the truck drivers who come around, we see them every day, so they all feel like all locals to us," he said.

Store manager Chris Naurez said business had been "crazy" for Powerball tickets lately and that the store had sold about $27,000 worth of tickets in the last few days.

"This really puts Dearborn on the map," he said.

The general manager of Trex Mart suggested his staff would be sharing in the $50,000 bounty that the store will be awarded for selling one of the winning tickets.

"The response from the owner was, 'I guess we'll be able to give out Christmas bonuses,'" General Manager Kenny Gilbert said. "That's nice, especially at this time of year."

It appeared the winners had yet to come forward, and it wasn't clear if the tickets had been bought by individuals or groups. Winners have 180 days to claim their share of the prize money.

The numbers drawn Wednesday night were 5, 16, 22, 23, 29. The Powerball was 6. The $587.5 million payout represents the second-largest jackpot in U.S. history.

"If you find you're holding the winning ticket, be sure you sign the back and put it in a safe place until you can take it to a Missouri Lottery office," said May Scheve Reardon, executive director of the Missouri Lottery. "You will also want to get some legal and financial advice before you claim."

Americans went on a ticket-buying spree in the run-up to Wednesday's drawing, the big money enticing many people who rarely, if ever, play the lottery to purchase a shot at the second-largest payout in U.S. history.

Tickets sold at a rate of 130,000 a minute nationwide — about six times the volume from a week ago. That pushed the jackpot even higher, said Chuck Strutt, executive director of the Multi-State Lottery Association. The jackpot rolled over 16 consecutive times without a winner.

In a Mega Millions drawing in March, three ticket buyers shared a $656 million jackpot. This remains the largest lottery payout of all time.

___

Skoloff reported from Fountain Hills, Ariz.

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