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About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage, the private insurance alternative to traditional Medicare. It’s not hard to see why: Medicare Advantage plans often cover stuff that Medicare doesn’t, and most people don’t pay extra for it.But Medicare Advantage can be more expensive if you get sick because copays and other costs can be higher, says Katy Votava, president of Goodcare.com, a health care consultant for financial advisors and consumers.Unhappy customers who want to switch back to traditional Medicare may find they no longer qualify for the supplemental policies to help pay their medical bills, or that they would face prohibitively high premiums.“These are complicated products,” says Votava, author of “Making the Most of Medicare.” “They’re like nothing else, no other insurance that people encounter anywhere until they get to Medicare.”Medicare’s alphabet soupThe first hurdle many people face when deciding about Medicare coverage is simply understanding how the various parts fit together. Traditional Medicare, also known as original Medicare, has two parts:Part A covers hospitalization and is typically premium-free.Part B covers outpatient care, including doctor visits, and has a standard monthly premium of 4.60 for 2020, although higher-income people pay more.You can choose any doctor who accepts Medicare, and most do. The government pays health care providers directly.Part D is prescription drug coverage, which is provided by private insurers. The drugs that are covered and the amounts you pay out of pocket vary widely. Monthly premiums vary as well but average .74 in 2020.Traditional Medicare has deductibles, copays and coinsurance that can quickly add up. To cover these gaps, private insurers also offer supplemental plans known as Medigap. The average monthly Medigap premium in 2019 was 2, according to health insurance marketplace eHealth.com, but it can be lower or much higher depending on the plan, the insurer and the area where you live. The plans are known by letters A through N. As with traditional Medicare, you can choose any doctor who accepts Medicare.If you apply for a Medigap policy when you’re first eligible for Medicare, the insurer has to accept you and can’t charge more for preexisting conditions.How Medicare Advantage is differentMedicare Part C is Medicare Advantage. Rather than add to the other parts of Medicare, however, Medicare Advantage plans replace them. Insurers that offer Medicare Advantage are required to provide all the benefits of Part A and Part B, and most plans include Part D drug coverage as well. In addition, the plans typically cover certain expenses that Medicare doesn’t, such as hearing, vision and dental care.Most Medicare Advantage enrollees in 2020 paid no additional premiums for their coverage, other than their regular Part B premiums, according to the Kaiser Family Foundation, a health research group.How Medicare Advantage manages costsMedicare Advantage plans are similar to employer-provided group health insurance: To be covered, you typically must choose health care providers in the insurance company’s network. The network may be relatively narrow if the plan is a health maintenance organization (HMO) or somewhat broader if it’s a preferred provider organization (PPO). You may need preapproval for certain types of care or referrals to see specialists. If you go out of network, your costs may not be covered or may not apply to your out-of-pocket limits. Even if your doctor is in-network now, that could change and you might not get much notice.Also, Medicare Advantage plans are typically regional. If you move out of the area or travel to other states, you may not be covered.The devil’s in the details, and Medicare Advantage plans have many, many details. The average Medicare beneficiary has access to 28 Medicare Advantage options, with varying networks, coverage, deductibles, copays and co-insurance, according to the Kaiser Family Foundation. In general, though, Medicare Advantage costs less upfront and potentially more overall if you need lots of medical care. Many Medigap plans have higher upfront costs but cover most if not all of your expenses when you need care.If you want to switch from one Medicare Advantage plan to another, you can do so during annual enrollment periods. But if you want to switch from Medicare Advantage to traditional Medicare, you often won’t have guaranteed access to a Medigap policy. That means the insurer may charge you more, exclude preexisting conditions for a time or not issue you a policy at all.That doesn’t mean Medicare Advantage plans are a poor choice — just a complicated one, says Tatiana Fassieux, a training specialist with California Health Advocates, a Medicare advocacy nonprofit. She recommends people contact their state health insurance assistance program, which can provide free, unbiased one-on-one counseling. Links to these programs can be found by visiting the SHIP National Technical Assistance Center.“People should not rely exclusively on television commercials,” Fassieux says. “That’s when people get stuck and sometimes make the wrong decision.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Fake Reviews and Saving ‘Too Much’Is Moving Now Your Best Financial Move?When Debt Relief Does More Harm Than GoodLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5523

All most people wanted for Christmas after this year of pandemic uncertainty, and sadness was some cheer and togetherness.Instead, many are heading into a season of isolation, grieving lost loved ones, worried about their jobs, or confronting the fear of a potentially more contagious variant of the coronavirus.Residents of London can't see people outside their households.Peruvians won't be allowed to drive their cars over Christmas and New Year to discourage visits.South Africans won't be able to go to the beach over Christmas.According to the Associated Press, when it comes to eating on Christmas, officials in France recommend eating with no more than six people. In Chile, it's 15, and in Brazil, it's as many as you want.The patchwork of restrictions imposed by local and national governments across the world varies widely — but few holiday seasons will look normal this year.Although there aren't travel restrictions in the U.S., the CDC has urged people not to travel. AAA projects that as many as 84.5 million Americans might travel during the week of Christmas up to Jan. 3.With Christmas just days away, some states require visitors to quarantine or test negative before visiting their states.Suppose you travel to Alaska, Colorado, Connecticut, D.C., Hawaii, Maine, Massachusetts, Maine, New Hampshire, New York, Pennsylvania, or Rhode Island. In that case, you have the option of presenting a negative COVID-19 test within 72 hours before entering the state or quarantine.If visiting California, Kansas, Kentucky, Maryland, Montana, New Jersey, New Mexico, North Carolina, Ohio, Oregon, South Dakota, Vermont, Washington, or Wisconsin, you are requested or required to self-quarantine for up to 14 days upon arriving.The CDC recommends celebrating virtually or with your household members, which is considered the lowest risk of spreading COVID-19. 1875

Although four people were killed, and 10 others were wounded by a gunman targeting a Northern California elementary school on Tuesday, authorities said the incident could have been more tragic.According to Tehama County Assistant Sheriff Phil Johnston, when school administrators heard gunshots ringing out nearly 1/4 mile from the school, the school immediately went into lockdown mode without the prompting of police. This, Johnston said, prevented an even worse tragedy at the school.“The shooter took his vehicle and rammed their fence and gate and entered the (school) grounds on foot with a semi-automatic rifle,” Johnston said. “It appears he couldn’t make access to the room and he gave up and reentered the vehicle.”Johnston confirmed that no children from the school were killed, but one was wounded. Johnston said that after being thwarted at the school, he went on a rampage in the community, as there were seven different shooting locations throughout Rancho Tehama.The Corning Union School District commended the effort of its employees. "School staff is commended for their courageous and professional response to this terrible incident. The school was able to go on lockdown very quickly and effectively, which prevented any further injury or violence," the district said in a statement.Rancho Tehama Elementary School educates students Kindergarten through Grade 5. 1415

Actress Tamera Mowry-Housley was active on social media on Thursday looking for help locating her and husband's niece Alaina Housley who was presumably at the California bar where a gunman killed 12 before taking his own life. Late Thursday morning, the couple confirmed to NBC News that Alaina Housley was among the 12 killed. "Our hearts are broken. We just learned that our niece Alaina was one of the victims of last night’s shooting at Borderline bar in Thousand Oaks," the couple said in a joint statement to NBC. "Alaina was an incredible young woman with so much life ahead of her and we are devastated that her life was cut short in this manner. We thank everyone for your prayers and ask for privacy at this time."Mowry-Housley's social media thread hours after the late-night shooting shows the frantic nature of trying to gather information of loved ones after mass shootings. The shooting took place before midnight late Wednesday night, and Mowry-Housley's Instagram post came more than nine hours later. Mowry-Housley's sister Tia Mowry was also active on social media trying to gather information. "Alaina Housely we are praying," Tia Mowry wrote in Instagram Thursday morning. "We love u! If you know anything or any information please let us know. We love you! #borderline"Earlier on Thursday morning, Alaina Housley's roommate had posted a plea on Twitter trying to find information on her roommate. Mowry-Housley responded to her niece's roommate and went to Twitter looking for any information she could gather on her niece. Mowry-Housley's husband Adam Housley then went to a California hospital in search of their niece. The Los Angeles Times reported that he was turned away by guards at the hospital. “My gut is saying she’s inside the bar, dead. I’m hoping I’m wrong,” he told the LA Times. He added that his niece's Apple Watch and iPhone locators were tracked to the bar's dance floor. The Los Angeles Times reported that Alaina Housley was 18 years old and a freshman at Pepperdine University. Pepperdine confirmed that 16 of its students were at the bar at the time of the shooting, and there was one unaccounted for as of late Wednesday morning.  2335

Alabama Republican Senate candidate Roy Moore says he will sue the Washington Post over its report alleging he pursued sexual relationships with teenagers -- including a 14-year-old -- when he was in his 30s."The Washington Post published another attack on my character and reputation because they are desperate to stop my political campaign. These attacks said I was with a minor child and are false and untrue -- and for which they will be sued," Moore said Sunday night during a campaign speech in Huntsville, Alabama.A message left with The Washington Post Monday morning was not immediately returned. 613