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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 weeks of tensions, China and the United States have reached an initial agreement on trade.Both parties said in a joint statement on Saturday that China has agreed to "significantly increase" purchases of US goods and services, in order to reduce the trade imbalance between the two countries. This was a top demand of the Trump administration during two days of trade talks in Washington with Chinese officials."To meet the growing consumption needs of the Chinese people and the need for high-quality economic development, China will significantly increase purchases of United States goods and services," the statement said. "This will help support growth and employment in the United States."The pledge for more cooperation comes as the US and China, the world's two largest economies, have threatened tens of billions of dollars in tariffs that could lead to a trade war.Both sides also agreed to "meaningful increases" in US agriculture and energy exports, the statement said. The US intends to send a team to China to hammer out the details.The announcement did not put a dollar amount on the commitment from China.US officials on Thursday told CNN that Beijing had proposed boosting Chinese purchases of American goods by around 0 billion. But at a regular news briefing in Beijing on Friday, Chinese Foreign Ministry spokesman Lu Kang denied such an offer had been made. 1394

After America reached the grim milestone of more than 10 million positive coronavirus cases in just 10 months, healthcare systems in multiple areas around the country are warning their hospital bed capacity is nearing or at 100 percent full.In North Dakota, the governor said this week their hospitals have reached their limit, and depending how the next few weeks go, facilities could be pushed past their capabilities.He issued an urgent plea asking residents to take steps to slow the spread of the coronavirus. He also amended a state order to allow asymptomatic health care workers who test positive for COVID-19 to continue working in COVID-19 units of a healthcare facility.“Our hospitals are under enormous pressure now,” Governor Doug Burgum said. “We can see the future two, three weeks out, and we know that we have severe constraints.”Bergum is asking that businesses and events or gatherings be reduced to 25 percent or a max of 50 people, and said face coverings should be required. However, he did not issue a statewide mask mandate.In Iowa, UnityPoint Health Des Moines, which runs four hospitals in the capital city, says they are at capacity and all their beds are full.Polk County, where Des Moines is located, saw the most new hospitalizations on one day Monday, with 191 new coronavirus patients.The county has issued a “plea to our community to please help in our fight against COVID-19.” They say they are “facing bed shortages and staffing shortages,” and ask people to wear a mask, wash hands, and practice social distancing so the healthcare system does not become overwhelmed.On Monday, the Iowa Health Department said there were more than 1,100 people hospitalized in the state with coronavirus. Iowa has a total of about 2,800 inpatient hospital beds available, with 382 of them in intensive care units spread around the state.Hospitalizations around the country have nearly doubled since late September. Tuesday morning, roughly 59,000 Americans were in the hospital because of the coronavirus.Health experts are worried about the recent spike in coronavirus cases. They are widespread across the country, and not focused on a handful of “epicenters” like there were earlier this spring and summer.This means resources like staff and equipment cannot be shuffled around to the places that need it, because everywhere is overwhelmed. 2370

A woman led Sheboygan County Sheriff's deputies through three counties at speeds of more than a 100 mph after she stole candy and lighters. According to the criminal complaint, Nicole Rupert, 34, was pulled over in Sheboygan after being spotted in a Walmart taking some items. She pulled over on the highway at first, but when deputies asked her to move the car farther away from traffic, she took off.Deputies chased her, at one point reaching speeds of 115 mph. She maneuvered around cars on the highway even hit stop spikes near Oostburg. Deputies said her tires blew but she just kept driving.The chase was eventually called off but deputies were told to continue to follow her as she slowed down. Rupert eventually made it to downtown Milwaukee where her car came to a stop.Rupert has been charged with retail theft, fleeing and drug charges. Deputies also found an illegal prescription, pot and mushrooms in her car. She is due in court April 4 at 1:30 p.m.  992

Acting Defense Secretary Christopher Miller announced plans to reduce U.S. troop levels in Iraq and Afghanistan by mid-January. He says the decision fulfills President Donald Trump’s pledge to bring forces home when conditions were met that kept the U.S. and its allies safe, even though Republicans and U.S. allies warn against a rash withdrawal. The new plan will accelerate troop withdrawals from Iraq and Afghanistan in Trump’s final days in office, despite arguments from senior military officials in favor of a slower, more methodical pullout. Officials have issued a "warning order" to the Pentagon to indicate that it intends to reduce troop numbers to 2,500 troops in Afghanistan and 2,500 in Iraq by Jan. 15 — five days before Trump is slated to leave office.The decision comes just days after Trump installed a new slate of loyalists in top Pentagon positions who share his frustration with the wars. Trump fired Sec. of Defense Mark Esper earlier this month after sending a classified memo to the White House that asserted top military opinions that troop levels in the region should not be reduced.The expected plan means that President-elect Joe Biden would be leading the fourth administration to grapple with the still smoldering conflicts launched in the aftermath of the Sept. 11 attacks.On Tuesday, NATO Secretary-General Jens Stoltenberg says the military organization could pay a heavy price for leaving Afghanistan too early.Stoltenberg said that "no NATO ally wants to stay any longer than necessary. But at the same time, the price for leaving too soon or in an uncoordinated way could be very high."He says Afghanistan "risks becoming once again a platform for international terrorists to plan and organize attacks on our homelands." 1766

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