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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

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

Already burdened by the coronavirus pandemic and a tightened deadline, the Census Bureau must now contend with several natural disasters as wildfires and hurricanes disrupt the final weeks of the nation’s once-a-decade headcount.The fires on the West Coast forced tens of thousands of people to flee homes in California and Oregon before they could be counted, and tens of thousands of others were uncounted in Louisiana communities hit hard last month by Hurricane Laura. Nearly a quarter million more households were uncounted in areas affected this week by Hurricane Sally.The disasters add to the already laborious task of counting of every U.S. resident and increase the risk that the effort will miss people in some parts of the country.“I can’t project if Mother Nature is going to let us finish, but we are going to do the best we can,” said Al Fontenot, associate director of the Census Bureau, who has repeatedly said the bureau is on target to complete the count at the end of the month.The disasters make it challenging or impossible for census takers to visit households that have not yet answered questionnaires. And time is running out, with just two weeks left until the census is scheduled to end on Sept. 30.In major cities in California and Oregon, smoke from nearby wildfires poses a health threat for census takers as they knock on doors.“It’s really smoky, and no one wants to open their doors because of the hazardous air. I gave up yesterday and do not plan to go out today unless it improves,” said a San Francisco census taker, who spoke on the condition of anonymity out of fear that she could lose her job.Officials in San Jose, California, are encouraging residents to respond to census questions online or by phone or mail.“Frankly, it’s not safe to be outside for more than a little bit,” San Jose Mayor Sam Liccardo said. “So, yes, it will affect us. We are going to hustle every other way we possibly can.”If there is an undercount, states affected by the disasters could be shortchanged when some .5 trillion in federal spending is distributed annually to pay for roads, schools, health care and other programs. Since the census also determines how many congressional seats each state gets, states such as California that are on the verge of losing a seat because of declining population could see their political power diluted.Rep. Jimmy Gomez, a Democrat from Los Angeles, said the recent disasters are another reason the deadline for ending the 2020 census should be extended by a month.Because of the pandemic, the Census Bureau pushed back the deadline for finishing the count from the end of July to the end of October. Then the agency announced last month that the deadline would be changed to the end of September after the Republican-controlled Senate failed to pass a Census Bureau request for more time to turn in numbers used for redrawing congressional districts.Some Democrats and activists believe the expedited schedule is politically motivated. A coalition of cities and civil rights groups are suing in federal court in San Jose, seeking an extra month.“We know the shorter the time frame is, the more risk there is to an accurate count, and the more problems can arise,” Gomez said. “This is not usually the time of the year that the Census Bureau is doing the counting.”The San Jose lawsuit contends that the sped-up timetable will cause Latinos, Asian Americans and immigrants to be overlooked. Government attorneys say the Census Bureau will not have enough time to process the data to meet an end-of-the-year deadline if the count does not finish in September.“If you had a longer period, you would expect some people to return home, and you could concentrate on those geographies,” said Thomas Saenz, president and general counsel of the Mexican American Legal Defense and Educational Fund, which is seeking extra time in another lawsuit in Maryland.Census takers headed to evacuation centers to complete the count, and residents will be counted according to where they were on April 1, said Guillermo Gonzalez, a congressional liaison for the Census Bureau.In areas where there is extreme danger, such as parts of Oregon, census field offices had to close offices for several days and home visits were suspended. In some places where census takers cannot go out, they are trying to reach households by phone, according to Census Bureau officials.Fontenot said in court papers in the Maryland case that the natural disasters and other disruptions pose “significant risks” to finishing the count in all states by the deadline.The Census Bureau estimated there were 248,000 uncounted households affected by Hurricane Sally in Alabama and Florida; 34,000 uncounted households affected by Hurricane Laura in Louisiana; close to 80,000 uncounted households in California affected by wildfires; and 17,500 Oregon households also threatened by the flames.The disasters worry the federal judge in the San Jose lawsuit, who is considering whether to extend the count by a month. During a recent hearing, Judge Lucy Koh said some workers at her courthouse had been evacuated and their neighborhoods were destroyed.“Here we’ve been told not to go outside for 28 days because of unsafe air. How are you doing six visits to households when people can’t go outside?” Koh asked government attorneys. “How are we going to count in this reality for us?”___Follow Mike Schneider on Twitter at https://twitter.com/MikeSchneiderAP 5478

After a slew of women came forward to accuse producer Harvey Weinstein and other notable figures in media of sexual harassment, CNN's Anthony Bourdain expressed regret for his participation in and validation of a culture he sees as similarly sexist: the restaurant industry.In an interview Thursday with Poppy Harlow on CNN's "New Day," Bourdain -- whose girlfriend, Asia Argento, is among Weinstein's accusers -- explained that he had "spent nearly 30 years in the restaurant industry, an industry and a culture that has been pervasively hostile to women." 565

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