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After a deadly terrorist attack in New York City, critics of President Donald Trump on Wednesday pointed to the millions in proposed cuts to counterterror programs sought by his administration, which reduced multiple such initiatives in its budget request.The Trump administration has proposed sharp cuts to programs that seek to prevent domestic terrorism and prepare localities to respond -- a point made by Senate Minority Leader Chuck Schumer, a Democrat from New York, in response to Trump criticizing him on Wednesday morning, in a tweet linking the attack to an immigration policy Trump ascribed to Schumer. 632

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

After several days of public memorials in Alabama and Washington, D.C., a funeral service for Rep. John Lewis took place in the historic Ebenezer Baptist Church in Atlanta. The same church that was formerly led by Dr. Martin Luther King Jr.Former President Barack Obama delivered the eulogy for Lewis during Thursday's service, speaking passionately about Lewis' so-called good trouble and both his protests and politics for change. He called Lewis “a man of pure joy and unbreakable perseverance.""George Wallace may be gone, but we can witness our federal government sending agents to use tear gas and batons against peaceful demonstrators," he said, referring to the segregationist Alabama governor who ran for president on a hard-right platform in 1968 and recent images from Portland, adding that there are still battles to be fought for voting rights and equality.Obama talked about ways to continue Lewis' legacy; restoring the Voting Rights Act, allowing former inmates to vote, adding polling locations, making Election Day a federal holiday and allowing Washington, DC, and Puerto Rico to have full representation in Congress.Former Presidents George W. Bush and Bill Clinton also spoke during the service, both recounting stories from Lewis' life, including a popular story of the representative preaching to chickens as a child."It is so fitting on the day of his service, he leaves us our marching orders: Keep moving," Clinton told the crowd, encouraging the audience the continue the work Lewis started.Speaker of the House of Representatives Nancy Pelosi talked about personal moments of levity with Rep. Lewis. Including his dancing and retelling a story Lewis had shared with her, when his granddaughter asked if he sang with the civil rights movement, Lewis reportedly responded "They asked me to sing solo once. So low they couldn't hear me.""John wasn't on the right side of history, history was on the right side of John," said William Craig Campbell, Former Mayor, City of Atlanta.President Donald Trump did not attend a public viewing for Lewis that was held in the Capitol Rotunda earlier this week and there is so far no mention of him attending the service Thursday in Atlanta.Thursday's service marks the culmination of nearly a week of celebrations of the longtime Georgia congressman and civil rights leader. In Alabama, Lewis' casket was carried by horse-drawn carriage across the Edmund Pettus Bridge in Selma, Alabama — the place where he was beaten by police nearly 50 years ago while marching for voting rights. That march inspired the passage of the Voting Rights Act just a few months later.On Monday, Lewis' body was flown to Washington, where his body laid in state at the Capitol Building — an honor only afforded to the most highly respected lawmakers.Following Thursday's service, Lewis will be buried at Atlanta's South View Cemetery — the same cemetery where King is buried. 2926

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

A woman who was seen slapping a police officer as she was carried out of a University of Miami football game has been charged with felony battery on a police officer and misdemeanor disorderly conduct, the Associated Press reported. According to Local 10, Miami-Dade Metro Police received the video shortly after Saturday's incident, and was in the process of investigating. In the video, Bridget Freitas, who was dressed in a Miami Hurricanes shirt, was being carried away by several police officers. She than slapped one of the officers in the face. The officer then responded by delivering a huge punch to the woman's face, to the surprise of the crowd. Video of the incident quickly spread Saturday night on social media.   770