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A police chief in North Florida is receiving praise on social media after a tweet that called for any police officer to quit now if they are not willing to run toward gunfire.FULL COVERAGE:?Parkland school shootingThe tweet was made by Atlantic Beach Police Chief Michelle Cook after Broward County Sheriff Scott Israel said the deputy on duty during the Parkland shooting?at Marjory Stoneman Douglas High School on Feb. 14?failed to take action.Cook said in the tweet that she wouldn't even be mad if an officer decided to quit since "innocent lives depend on us to act."If you are a police officer and you think to yourself for even one second that you will not be able to run towards the gunfire...please quit now. We won't be mad. Innocent lives depend on us to act #dontletthemdown— Michelle Cook (@Wunulub) February 23, 2018 858

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

According to Vote.org, there was a significant increase in voter registration after Taylor Swift waded into politics.Kamari Guthrie, director of communications for the nonprofit Vote.org, told Buzzfeed that numbers had spiked both nationally and in Swift's home state of Tennessee after the singer's post Sunday on Instagram."We are up to 65,000 registrations in a single 24-hour period since T. Swift's post," Guthrie said.For comparison's sake, 190,178 new voters were registered via Vote.org nationwide during September and 56,669 in August. Swift suggested people visit the website. 594

After 22 seasons in the NBA, Vince Carter is retiring.Carter announced his retirement on Thursday during his podcast "Winging it with Vince Carter."The announcement was largely a formality because the 43-year-old Carter had said many times over the course of the season that this would be his last in the NBA. 317

After spending 23 years in prison for a crime he did not commit, Nevest Coleman is back at work with the Chicago White Sox.Coleman, then a 25-year-old groundskeeper with the White Sox, was convicted of the 1994 rape and murder of a Chicago woman and sentenced to life in prison without parole.He was freed last year after DNA found on the victim was linked to a serial rapist.Friends and family contacted the White Sox after his release to help him get his old job back, CNN affiliate WGN reported.The team said it was grateful that "justice has been carried out for Nevest" and said they were happy to welcome him back to the team as one of its groundskeepers.Coleman told WGN that he watched Sox games while he was in prison and would see his former colleagues scramble to protect the field during rain delays.Two of his friends who are still on the grounds crew were there to greet him with big hugs on Monday morning when he arrived for his first day back on the job.He was issued a new uniform and hat. He then put on a big yellow rain suit to pressure wash the sidewalk and got to work.A lot has changed while Coleman was away. The stadium has had extensive renovations and is now known as Guaranteed Rate Field instead of Comiskey Park.One thing, however, has remained constant for Coleman."I was in a situation where I felt comfortable here and everybody here was family to me," he told WGN.  1413