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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

Akron, Ohio police are investigating after three women were found dead inside a home on Saturday night.It happened around 7:40 p.m. while officers were conducting a welfare check at a house in Akron. According to department, the officers first tried knocking on the door and when no one answered, they began looking through the windows and saw a woman on the floor. They then forced entry inside and discovered two other women.All three women were pronounced dead at the scene by EMS of suspected drug overdoses.Police aren't releasing their names at this time, but say they were 20, 20 and 21-years-old.  623

After issuing previous guidance that encouraged schools to close in areas with high transmission of the coronavirus, the CDC is now emphasizing that schools reopen this fall.The guidance issued on Thursday is in line with a Trump administration priority to reopen schools this fall.“It is critically important for our public health to open schools this fall,” said CDC Director Dr. Robert R. Redfield. “The CDC resources released today will help parents, teachers and administrators make practical, safety-focused decisions as this school year begins. I know this has been a difficult time for our Nation’s families. School closures have disrupted normal ways of life for children and parents, and they have had negative health consequences on our youth. CDC is prepared to work with K-12 schools to safely reopen while protecting the most vulnerable.”Now in areas with, as the CDC calls it, "substantial, uncontrolled transmission" of the coronavirus, "Schools should work closely with local health officials to make decisions on whether to maintain school operations. The health, safety, and wellbeing of students, teachers, staff and their families is the most important consideration in determining whether school closure is a necessary step. Communities can support schools staying open by implementing strategies that decrease a community’s level of transmission. However, if community transmission levels cannot be decreased, school closure is an important consideration."In areas with substantial, controlled transmission, "Significant mitigation strategies are necessary." In addition, social distancing and face covering policies should be implemented, the CDC said.Previous guidance called for schools in areas with substantial community transmission (the CDC did not distinguish between uncontrolled or controlled) to, "Implement extended school dismissals (e.g., dismissals for longer than two weeks). This longer-term, and likely broader-reaching, dismissal strategy is intended to slow transmission rates of COVID-19 in the community. During extended school dismissals, also cancel extracurricular group activities, school-based afterschool programs, and large events."In previous guidance, the CDC called on schools to keep students 6 feet apart. But many classrooms do not have the space to properly socially distance students. The Trump administration’s response appears to be a 5 billion request to Congress. President Donald Trump said that the funds, in part, could be used for schools to open additional spaces and hire additional staff in order to help space students.The CDC said that the “best available evidence from countries that have opened schools indicates that COVID-19 poses low risks to school-aged children, at least in areas with low community transmission, and suggests that children are unlikely to be major drivers of the spread of the virus.”But that guidance contradicts a South Korean study published by the CDC earlier this week.The study said that while children under age 9 were less likely to spread the virus, youth ages 10 through 19 were just as likely as adults of spreading the virus.The study also found that closing schools in several Chinese cities, including Wuhan, that school closures and social distancing significantly reduced the rate of COVID-19 among contacts of school-aged children.“The role of household transmission of SARS-CoV-2 amid reopening of schools and loosening of social distancing underscores the need for a time-sensitive epidemiologic study to guide public health policy,” the researchers wrote.In its new guidance, the CDC said that extended school closures are harmful to children and can lead to severe learning loss, and the need for in-person instruction is particularly important for students with heightened behavioral needs.The American Federation of Teachers this week pointed toward a three-point plan that the US should implement for reopening schools.“Our plan details three conditions essential for schools to reopen,” wrote Randi Weingarten, president of the American Federation of Teachers. “First, the average daily community infection rate among those tested for the coronavirus must be very low. (New York Gov. Andrew Cuomo has required the rate not to exceed 5 percent for at least 14 days.) Second, schools must employ public health protocols, including 6-feet social distancing, masks, deep cleaning and handwashing stations. Third, adequate resources must be available to enact these safeguards, including funding for additional nurses, guidance counselors and teachers to reduce class size.”But the CDC also weighed the concerns of the coronavirus against providing physical activity, food and safety for students. The CDC said studies project that the childhood obesity rate would increase by 2.4% if schools remained closed through December.This guidance comes as cases in the US steadily increased earlier this month, prompting coronavirus death counts to rise in recent days. The US had back to back days of more than 1,000 people reportedly dying from coronavirus-related illnesses, according to Johns Hopkins University.To read the CDC’s latest guidance, click here. 5184

Actor David Lander, best known for his starring role as "Squiggy" on the long-running sitcom "Laverne & Shirley" has died, according to The Hollywood Reporter and Variety. He was 73.Lander reportedly died of complications of multiple sclerosis, which he had battled for more than half of his life. He went public with his diagnosis in 1999 and continued to work in acting despite his battle with the disease.In addition to his work on "Laverne & Shirley," Lander was best known for his work in 1988's "Who Framed Roger Rabbit?" and his voiceover work in various shows and films, including Pixar's "A Bug's Life."Michael McKean, a longtime comedy partner of Lander's and one of his co-stars in "Laverne & Shirley," shared an old photo of him and his friend on Saturday morning. 796

After no one won Friday's giant Mega Millions lottery, the jackpot for Tuesday's drawing has climbed to an estimated .6 billion, marking an all-time record for lottery drawings in the US. In case you want to confirm that you did not win during Friday's billion drawing.The winning numbers on Friday were 65-53-23-15-70 and the Mega Ball was 7.Only one other jackpot in U.S. history has surpassed the billion mark. That jackpot was via the Powerball lottery on Jan. 13, 2016, and that drawing was worth .586 billion. In that instance, three winners split the massive jackpot. The Mega Millions jackpot has been building since July 27 when a winning ticket was sold in California. Mega Millions is played in all states except Hawaii, Alaska, Nevada, Utah, Mississippi and Alabama. The odds of drawing all six numbers in Mega Millions are 1 in nearly 302 million. Although no one matched every single number, you could still be a winner. Selecting the Mega Ball is worth . If you get all five white numbers correct without hitting the Mega Ball, a ticket is worth million. Mega Millions is not the only lottery out there that is large.. Powerball's jackpot on Saturday is a slightly more modest 0 million.Take a look at the list below for the largest jackpots in U.S. history, according to the Arizona Lottery: 1363

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