邯郸月经推迟的中医治疗方法邯郸月经量少有些什么原因,邯郸第几周做三维彩超,邯郸彩超四维彩超别,马丽亚做输卵管造影怎么样,邯郸白带有褐色的分泌物,邯郸来月经有血块多是怎么回事,马丽亚不孕不育在线咨询

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

A white woman derisively labeled "Cornerstore Caroline" on social media has apologized after video of her appearing to call New York police to say a 9-year-old black boy grabbed her behind was posted online."Young man, I don't know your name, but I'm sorry," the woman told TV reporters this week after watching surveillance footage that showed the child's backpack brushing up against her backside -- his hands in plain sight -- as she leaned over a Brooklyn deli counter.Cellphone video of the public apology also circulated across social media.Before Friday's mea culpa, however, Teresa Klein was widely ridiculed on social media after a viral video of the incident became the latest example of whites calling the police on blacks over seemingly trivial reasons.The episode began Wednesday when Klein appeared to be calling the police on cellphone video captured by a Brooklynite who posted it to Facebook with the message, "Make this go viral. Meet Cornerstore Caroline." 983

Actor Dwayne Johnson is among the investors who submitted a winning bid for the XFL — the professional football league which was in the midst of its first season when the COVID-19 pandemic cut it short.Johnson, Dany Garcia and RedBird Capital Partners combined to purchase the league for million, according to the press release. The sale is subject to bankruptcy court approval at a hearing on Friday.“The acquisition of the XFL ... is an investment for me that’s rooted deeply in two things - my passion for the game and my desire to always take care of the fans,” Johnson said in a statement. “With pride and gratitude for all that I’ve built with my own two hands, I plan to apply these callouses to the XFL, and look forward to creating something special for the players, fans, and everyone involved for the love of football.”Prior to joining WWE, Johnson played college football at the University of Miami, where he won a national championship in 1991. He later played professionally for the Calgary Stampeders of the Canadian Football League for one season.The XFL kicked off its inaugural season earlier this year with the goal of serving as a springtime development league for NFL hopefuls. The league consisted of eight teams, mainly composed of former college and NFL players. Despite modest TV ratings and an early buzz, the league closed operations in April after the COVID-19 pandemic shut down sporting events.The league is the second iteration of the XFL. In 2001, McMahon launched a football league by the same name that relied heavily on wrestling-style antics as an enticement for viewers. The league folded after one season. 1655

Alabama Republican Senate candidate Roy Moore says he will sue the Washington Post over its report alleging he pursued sexual relationships with teenagers -- including a 14-year-old -- when he was in his 30s."The Washington Post published another attack on my character and reputation because they are desperate to stop my political campaign. These attacks said I was with a minor child and are false and untrue -- and for which they will be sued," Moore said Sunday night during a campaign speech in Huntsville, Alabama.A message left with The Washington Post Monday morning was not immediately returned. 613

Abby and I wish a heart-felt congratulations to @JoeBiden and @KamalaHarris on the election call today. Thank you for your commitment to unite us all. We pray for you and promise to work with you to benefit the people of Utah. 1/— Spencer Cox (@SpencerJCox) November 7, 2020 282