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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

Amazon just raised its minimum wage to , but that's not enough for some progressive politicians.Sens. Elizabeth Warren and Bernie Sanders sent a letter to Amazon CEO Jeff Bezos on Tuesday scolding the company for allegedly distributing a 45-minute instructional video to managers at recently-acquired grocery chain Whole Foods on how to defuse union organizing."Workers' rights do not stop at the minimum wage, and raising the pay of your lowest-paid workers, while important, does not give you a free pass to engage in potentially illegal anti-union behavior," Massachusetts Democrat Warren and Vermont independent Sanders wrote.Amazon did not immediately return a request for comment.The letter comes as Warren prepares for an all-but-certain bid for the 2020 Democratic presidential nomination. She has ramped up travel to early-voting states and told a crowd at a Massachusetts town hall two weeks ago that after the midterms she will "take a hard look at running for president."Warren this week released the results of a DNA test intended to combat President Donald Trump labeling her "Pocahontas" over Warren being listed in 1980s and 1990s law school faculty handbooks as Native American.Her political team has also turned Senate Majority Leader Mitch McConnell's 2017 admonishment that Warren was warned against reading a letter from Coretta Scott King criticizing Jeff Sessions on the Senate floor, but "nevertheless, she persisted," into a slogan. It handed out printed "PERSIST" signs at Netroots Nation, a major progressive gathering, in New Orleans in August.The aggressive moves are intended to make Warren's intentions clear to progressives -- and demonstrate that she is capable of fighting powerful Republicans — as Democrats prepare for a wide-open presidential nominating contest that more than two dozen mayors, governors, senators and House members are considering entering.In announcing its minimum wage, Amazon said it had "listened to our critics." Most prominent among them was former Democratic presidential candidate Sanders, who introduced legislation aimed squarely at charging the Seattle e-commerce giant for any safety net benefits its employees used.The letter to Bezos refers to a video?originally reported by Gizmodo in early September that allegedly told team leaders how to recognize signs of unrest among workers, and provided arguments for why a union would not be in the interests of the company or its workforce."Our business model is built upon speed, innovation, and customer obsession—things that are generally not associated with unions," the video said, according to Gizmodo. "When we lose sight of those critical focus areas we jeopardize everyone's job security: yours, mine, and the associates'."The senators' letter raised concerns that, if genuine, the video would constitute violations of the National Labor Relations Act, the law that protects worker organizing. Specifically, suggestions that a facility might close down if employees organize and any attempt to spy on union activity could be grounds for a complaint to the National Labor Relations Board.No recent charges appear on the Board's website, and a call to the Board was not immediately returned.The senators requested the full video distributed by Amazon to Whole Foods managers, any other materials pertaining to organizing activities and a list of law firms and consultants the company may have retained to help tamp down labor unrest.The Wall Street Journal reported in September that a nascent union organizing campaign was underway at Whole Foods.Unions are relatively rare in the industry, representing only 5% of retail workers in 2017, according to the Bureau of Labor Statistics.Warren, long a critic of large banks and corporations, also sent a letter Tuesday taking hedge funds to task for their roles in the bankruptcy of Toys 'R' Us, which resulted in the loss of 33,000 jobs. 3980

After years of rumors, the “Clueless” reboot is coming together and has a home. PeacockTV announced they will carry the anticipated TV series.In October 2018, there were reports that a new project was in the works based on the 1995 movie. We now know it will be centered on the character Dionne, played by Stacey Dash in the original movie, and will land on PeacockTV.The tv series is still in development, so PeacockTV did not have a release date or timeline information. They did release more information about the plotline.“A baby pink and bisexual blue-tinted, tiny sun-glasses wearing, oat milk latte and Adderall-fueled look at what happens when queen bee Cher disappears and her lifelong No. 2 Dionne steps into Cher’s vacant Air Jordans. How does Dionne deal with the pressures of being the new most popular girl in school, while also unraveling the mystery of what happened to her best friend?” reads a statement from PeacockTV.This isn’t the first reboot for the 90s classic, which was a loose interpretation of Jane Austen's "Emma." In 1996, there was a TV series spin-off for three seasons and in 2018, a musical version debuted off-Broadway. 1162

ALPINE, Calif. (KGTV) - Six months after the West Fire ripped through Alpine, residents still have an immense amount of work to do to rebuild.Colin Campbell's parents owned the Campbell Creek Ranch for 13 years before it burned in July. Campbell spoke with 10News in August at a benefit that raised at least ,000 for the victims of the fire.Sunday, on the six month anniversary of the fire, Campbell walked through the ranch, lending a window into his memories.Surrounding him, the ranch lay much the same as the day after the fire. Ashes and bricks covering the foundation of his parent's home, the pool drained, the white fence lining the driveway, melted. As he looked around him, he saw the ghost of what had been.He looked at the pool, and spoke of an old pact he made with his two sons, "at any time, on the coldest day of the year, I would plunge into the pool, and they always took it upon me to do it, and their timing was impeccable," he said laughing. His sons and wife would jump in after him.At the house, his fondest memory was of a train set his parents built for his boys. He described the wooden track built at knee height, right in front of the vast fireplace to ensure the kids were warm while playing happily for hours, "we spoiled them with trains."Over the past six months, volunteers and family members sifted through soot, unearthing treasures."Man it absolutely has been meaningful," Campbell said poignantly, "in fact there has been a picture of my wife, our wedding 23 years ago, that somehow, someway came out of the rubble."He was also struck by the signs of hope sprouting around the grounds, "you can see now it is greening up, in the mountainsides, they are growing back, and it's just incredible that the environment, they just reinvigorate themselves." He said the boys are young teens now and learning, while cleaning up the ranch, how nature prevails.Campbell's fight to protect the property is not over. "The erosion is our main concern," he said. With help from local leaders, sand bags held the weak soil mostly in place after recent rain.Campbell said he's incredibly thankful for the continued support of the community, and hopes in the next two years to rebuild and move his parents back onto the ranch. 2256

A woman in southern Alberta is thankful she didn't swallow what was in a cup she was served at McDonald's as the woman was served a cleaning solution instead of a latte, the CBC reported. Sarah Douglas, who is due with her third child in two months, said all it took was a small sip to realize what she had was not a latte. "I immediately had to put my hazard lights on and pull over and spit it out and rinse my mouth out with ... water," Douglas told the CBC. "I opened up the lid of the coffee and out pours this pungent smell of chemical. It wasn't a latte at all."Douglas returned to the McDonald's location and the manager discovered that a cleaning solution was hooked up to the restaurant's coffee machine. "The supervisor went and got the bottle that was hooked up to it and brought it over to the counter, and I took a picture of it, so I knew what I was working with — what I had consumed so I could talk to 811 and poison control," Douglas told the CBC.  999

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