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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

ALPINE, Calif. (KGTV) - An Alpine family woke up to panicked horses and a disturbing sight near their house: the remnants of burned sky lantern."Noticed the horses were panicking and running back and forth in their pens," said Lucy Olivier.Along Japatul Valley Road, Olivier and her husband woke up Saturday morning to terrified horses, bathed in sweat. One of them had injured his leg. The source of the horses' fear was just feet away: the burned-out remnants of a sky lantern. Banned in California, the small hot air balloons use candles to spark their flight.In the one Olivier discovered, there were birthday candles sitting on popsicle sticks, attached to straws and a large garbage bag. It landed near dry brush not far from the main house, an ominous sight in an area prone to wildfires."We were infuriated. Thank God it didn't start a fire, but it could have," said Olivier.In San Carlos, another anxious, but grateful family reported discovering a similar device and some burn marks on their roof on New Year's Day. It's the second time they have discovered a sky lantern on their property since Thanksgiving.Some 30 states have now banned sky lanterns, the suspected cause of wildfires from Utah to Washington to South Carolina. In Germany, police believe the device caused a fire at a zoo on New Year's Eve that killed more than 30 animals. It is the type of tragedy Olivier fears could be one lantern flight away, somewhere in San Diego County."You never know where it's going to land or what kind of damage it could cause," said Olivier.Olivier says her injured horse should be okay.In Germany, a mother and her two daughters are being investigated for possible charges of negligent arson in the zoo fire. 1728

After several weeks of falling case numbers, Johns Hopkins reports that the spread of COVID-19 is again on the rise in the U.S. — and this time, the hot spots are shifting toward the Midwest.Following lockdown measures prompted by the virus' arrival in the U.S. in the spring, the spread of COVID-19 reached all-time highs in the summer months. On July 16, the U.S. recorded more than 77,000 confirmed cases of the virus — the most the country has been recorded in a single day since the pandemic began.According to Johns Hopkins, transmission rates slowed throughout July and August as states like Texas and Arizona re-instituted more stringent lockdown procedures. By mid-September, case rates in the U.S. slowed to about 34,000 a day.However, in the last week or so, Johns Hopkins reports that the case rates have begun to spike again — and that several Midwest states are reporting their highest case rates of the pandemic.Among those states is Wisconsin, which saw new cases jump from about 600 a day to more than 2,600 a day through the month of September. On Sept. 22, Gov. Tony Evers declared a public health emergency following several outbreaks on the state's college campuses.Last week, Evers urged many in the state to continue to wear masks and keep social distance.“There are many across the state who aren’t taking this seriously, who aren’t wearing masks, who aren’t limiting their travel, who are going about their daily lives as if though it is November of 2019,” Evers said.Kentucky is also setting state records for new case rates. According to Scripps station WLEX in Lexington, 6,318 Kentuckians contracted the virus last week — a one-week record. On Monday. Gov. Andy Beshear is expected to step up enforcement in requiring masks and face coverings in public.Indiana, Minnesota, Missouri, Nebraska, South Dakota, North Dakota, Montana and Wyoming are among the other Midwest states experiencing their highest new case rates of the pandemic.Currently, the U.S. is experiencing the second-highest amount of daily case increases in the world, trailing behind only India — who has new daily case figures drop from about 90,000 a day to about 60,000 a day in the past few weeks. 2204

After Hurricane Laura hammered parts of the Gulf Coast, communities are coming together with people helping people.“The battle cry is out there,” said Curtis Drafton, who is gearing up for a private rescue mission. “The bell is tolling. Let’s go get it!”This United States Army veteran, who spent his life helping others, is now spending his own money to do the same as a civilian.“Last year we spent around ,533,” he said.Drafton is leading the Veteran Emergency Response Unit, a nonprofit providing relief during natural disasters.“It’s not really about the money,” he said. “It’s like, Americans are suffering, Americans are dying and at the end of the day, somebody has got to pick up the slack.”About an hour outside of Baton Rouge in Gator Country, neighbors gathered to help remove a fallen tree off Paige Fontenote’s brand new outdoor carport that was crushed during the storm.“It touches my heart; it makes me want to cry,” she said.Overcome with emotions, Fontone almost broke down from the support from people in the area where she wants to retire.“This is what it’s all about,” she said. “This is why we want to move here.”In Lafayette, Louisiana, homeowners took matters into their own hands, chopping down a fallen tree between a home and an apartment complex.“You cook a gumbo, you hope nothing doesn’t happen to your house and then you get out and help your friends,” said one local man.Helping friends in this time of need as people continue to help other people.“If 2020 hasn’t taught us anything that would be it,” the man said. “Turn the TV off, spend time with your neighbors and do it for them.” 1628

After a 29-year-old man drove a truck into a Manhattan crowd on Tuesday, killing eight and wounding almost a dozen in the deadliest terror attack to hit the city since 9/11, New Yorkers made it clear that they refused to be intimidated.Families celebrated a traditional Halloween Parade hours after the attack, surrounded by police officers armed with long guns while dozens of local and federal law enforcement officers were still investigating the attack."This was an act of terror, and a particularly cowardly act of terror," New York Mayor Bill de Blasio said, "aimed at innocent civilians, aimed at people going about their lives who had no idea what was about to hit them." 687

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