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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

Actor Rick Moranis was punched in the head, knocking him to the ground, in an unprovoked attack on Manhattan's Upper West Side, officials said Friday.New York City police confirmed a 67-year-old man was walking south on Central Park West near West 70th Street when an unidentified man hit him in the head with a closed fist Thursday around 7:24 a.m.Surveillance images of a person suspected of the attack were released by police. The images appear to show a man wearing a dark-colored "I (heart) NY" sweatshirt.Police also tweeted out the video of the unprovoked attack. 579

After discussion with students, alumni and community members, we will be taking a series of actions to promote diversity, inclusion and equity and more fully support Black students on campus: https://t.co/ylSMMC8Bp9— UT Austin (@UTAustin) July 13, 2020 260

ACADIANA, La. — With President-elect Joe Biden's projected win, his running mate Kamala Harris will make history as the nation's first female Vice President. For some, it's an inspiration.The win is especially meaningful to the members of the Alpha Kappa Alpha Sorority. It's the oldest African-American sorority in the country, of which Harris is a member."How meaningful it is, that in a space that was once built by slaves, is now having someone there that represents everything that the African- American community means in America," said Joya Hayes, the South-Central Regional director of Alpha Kappa Alpha. "We're just excited that one of our own is at a level where she is not only at a space that she's competent and prepared to lead, but she represents what values we have at historically Black Greek organization."The organization is one of nine historically Black Greek letter organizations. Those organizations were founded at a time when other Greek-letter organizations denied Black students entry.Alpha Kappa Alpha was founded in 1908, and membership continues beyond college — its members are a part of the sorority for life, focusing on service and empowering their communities.Hayes says Harris represents hope, validation and the shattering of the "glass ceiling.""Over the last four years there have just been times in which the communities of color in America have continued to question our worth and our value and how much we're appreciated in today's society," Hayes said. "This vote is validation that America still has the values in which we wanted to have and that there is space in all levels of government for communities of color that are ready to serve. That diversity is something we're proud of."Clancy Ratliff, a professor at the University of Louisiana, says it's a historic moment for all women."This executive branch looks more like America than it ever has before," Ratliff said. "We'll see in future elections more women in primaries in both parties. I think it will be normalized as it should be."This story was originally published by Kendria LaFleur on KATC in Lafayette, Louisiana. 2131

A years-long battle between the Cornwall-Lebanon, Pennsylvania School District and social studies teacher Luke "Todd" Scipioni finally came to an end this week when a court ruled that Scipioni can return to work, the Lebanon Daily News reported. School officials learned in 2014 that Scipioni had sex with a female student on her graduation night in 2004. The allegations surfaced during Scipioni's divorce proceedings, the Daily News reported. The Daily News reported that Scipioni and the student developed a relationship during the 2003-04 school year, but it did not turn sexual until student's graduation. The relationship ceased when she went off to college at the end of the summer. The district then fired Scipioni in October 2014 when it confirmed the relationship between Scipioni and the student. Scipioni then challenged the district in court, with an arbitrator’s ruling that Scipioni was not forthcoming in the details of the relationship, and that he should be suspended for one year, but not banned from teaching. This week, the Pennsylvania Supreme Court ruled that Scipioni should not have been punished beyond the suspension, and is entitled to return to his job.Scipioni is reportedly interested in returning to work for the district after he and the district settle on back pay. A district spokesperson said that while it disagrees with the ruling, it will abide by the justices' ruling. 1546