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After spending months in isolation during the pandemic, when 103-year-old Dorothy Pollack was allowed to leave her nursing home she had a few things on her to-do list.She got her first tattoo, a frog, to celebrate her birthday. After being in isolation for so long, she said out of nowhere she decided she wanted a tattoo.Why a frog? Pollack says it’s the one thing she loves more than beer and burgers.The tattoo artist says Pollack took the experience like a champ and he didn’t see her flinch.After getting the tattoo, Pollack crossed another item off her bucket list, riding on a motorcycle. 603
After America reached the grim milestone of more than 10 million positive coronavirus cases in just 10 months, healthcare systems in multiple areas around the country are warning their hospital bed capacity is nearing or at 100 percent full.In North Dakota, the governor said this week their hospitals have reached their limit, and depending how the next few weeks go, facilities could be pushed past their capabilities.He issued an urgent plea asking residents to take steps to slow the spread of the coronavirus. He also amended a state order to allow asymptomatic health care workers who test positive for COVID-19 to continue working in COVID-19 units of a healthcare facility.“Our hospitals are under enormous pressure now,” Governor Doug Burgum said. “We can see the future two, three weeks out, and we know that we have severe constraints.”Bergum is asking that businesses and events or gatherings be reduced to 25 percent or a max of 50 people, and said face coverings should be required. However, he did not issue a statewide mask mandate.In Iowa, UnityPoint Health Des Moines, which runs four hospitals in the capital city, says they are at capacity and all their beds are full.Polk County, where Des Moines is located, saw the most new hospitalizations on one day Monday, with 191 new coronavirus patients.The county has issued a “plea to our community to please help in our fight against COVID-19.” They say they are “facing bed shortages and staffing shortages,” and ask people to wear a mask, wash hands, and practice social distancing so the healthcare system does not become overwhelmed.On Monday, the Iowa Health Department said there were more than 1,100 people hospitalized in the state with coronavirus. Iowa has a total of about 2,800 inpatient hospital beds available, with 382 of them in intensive care units spread around the state.Hospitalizations around the country have nearly doubled since late September. Tuesday morning, roughly 59,000 Americans were in the hospital because of the coronavirus.Health experts are worried about the recent spike in coronavirus cases. They are widespread across the country, and not focused on a handful of “epicenters” like there were earlier this spring and summer.This means resources like staff and equipment cannot be shuffled around to the places that need it, because everywhere is overwhelmed. 2370

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
A website tracking early voting numbers reports more than 23,500,000 votes have been cast in the 2020 presidential election as of Friday night.The US Election Project, run by Professor Michael McDonald at the University of Florida for the last few elections, is keeping track of early voting, mail-in and absentee ballot data states make available. The details of those ballots are not shared, these are just the raw numbers of how many ballots have been cast.The site is also tracking each state’s ballots cast as compared to the entire number of votes counted in the 2016 election. For the country as a whole, the more than 23.5 million ballots cast is about 17 percent of the total number of votes in the 2016 election. Some states appear to be on track to potentially reach their 2016 voter turnout number, or get very close, before the election.In Vermont, more than 136,000 ballots have been cast, that’s more than 42 percent of the total number of ballots cast in the 2016 election.In Texas, early voting started Tuesday and already more than 2,647,000 ballots have been cast. That’s almost 30 percent of the total number of ballots cast in 2016.Professor McDonald does track about a dozen states that report party affiliation of the ballots returned. Those numbers show a higher number of Democrats have returned their ballots compared to those identified as Republican. However, there is no way to tell who those ballots voted for exactly, and history shows Democrats typically have higher numbers of mail-in ballots, according to McDonald. 1557
After a deadly terrorist attack in New York City, critics of President Donald Trump on Wednesday pointed to the millions in proposed cuts to counterterror programs sought by his administration, which reduced multiple such initiatives in its budget request.The Trump administration has proposed sharp cuts to programs that seek to prevent domestic terrorism and prepare localities to respond -- a point made by Senate Minority Leader Chuck Schumer, a Democrat from New York, in response to Trump criticizing him on Wednesday morning, in a tweet linking the attack to an immigration policy Trump ascribed to Schumer. 632
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