临沧女朋友第一次之后姨妈推迟(临沧女性阴道松弛咋办) (今日更新中)

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

Adidas has voluntarily recalled kids’ swimwear products of the Infinitex 3-Stripe range due to the stripes coming off and them possibly leading to injuries.According to the company, they have received customer reports that the three stripes on the swimwear might come off unexpectedly when in contact with water, which pose a potential safety risk to children as the stripes might get caught on objects or other children outside or inside the water and become entangled, potentially leading to injuries. No injuries have been reported to date. The swimwear, worn by children up to and including the age of 14, were sold as part of the 2017 and 2018 collections in both, youth and adult sizes through adidas.com, Adidas retail stores and at authorized Adidas dealers globally. The affected swimwear products come in several color combinations, has the Adidas 3-stripes trademark grafted on both sides of the swimwear and has the words 'made in Tunisia' on the label. Additionally, one of the following serial numbers is printed on the inside of the products: 1115

All national forests in California will close Wednesday evening as the state sees “explosive growth of fires throughout” the state.The U.S. Forest Service closed eight national forests in Southern California Monday night, and the rapid growth Tuesday in windy weather conditions led to the decision to close the remaining ten forest areas.Nearly 2.3 million acres have burned already this year, setting a state record. Roughly two dozen wildfires are burning currently. “The number of large fires and extreme fire behavior we are seeing across the State is historic," said Regional Forester Randy Moore in a release. "These temporary closures are necessary to protect the public and our firefighters, and we will keep them in place until conditions improve and we are confident that National Forest visitors can recreate safely.”More than 140 people had to be rescued from the path of the Creek Fire this week, some were hikers and campers trapped without a way to escape the rapidly spreading flames. The Creek Fire is burning in part of the Sierra National Forest, which was closed to visitors on Monday.The Forest Service manages 18 National Forests in California, which take up almost 20 million acres. Those designated forests also supply 50 percent of the water in California. 1290

AKRON, Ohio — One couple is accusing a haunted house in Akron, Ohio of subjecting patrons to a mock rape scene without asking their permission or having them sign a waiver."There was a man in a mask standing over my boyfriend, my boyfriend was on the edge and he was being pushed down," said Sarah Lelonek."She comes over and yells, 'Stop, what are you doing? That's my boyfriend,' " said Lelonek's boyfriend Ryan Carr. "'Not anymore, he's mine now I'm going to rape him' and then he started thrusting against me."The couple says this all went down at the Akron Fright Fest, which is housed on the Kim Tam Park property. They say this is not the special haunted house where you had to sign a waiver to enter, although they do offer a haunted house like that on the property. Lelonek and Carr aren't the only ones complaining about this rape scenario.One Facebook user wrote "It was 100 percent a rape scene," and someone else said, "They did have a mock rape scene in one of the houses."A different viewer sent WEWS television station reporters a private Facebook message and wrote, "They grabbed my ankles and shins and pulled my legs apart and was thrusting while telling me to scream papa."WEWS reached out to the haunted house manager over Facebook, but he did not respond to the message. The owner of the property said he would have the manager contact us. That same manager who did not respond wrote online "the issue has been resolved.""In all the years I've been going to haunted houses, I have never seen anything like that, ever," said Lelonek. 1597

Aldon Smith, who was the NFC's Defensive Player of the Year, has a warrant out for his arrest on Monday after a possible domestic incident from the weekend, the San Francisco Chronicle reported. Smith is wanted on charges of misdemeanor domestic violence, assault with force likely to cause great bodily injury, false imprisonment and vandalism, the Chronicle reported. Earlier the in the day, the Oakland Raiders released Smith. The incident in question was reportedly Saturday evening, and the victim identified Smith as the suspect. TMZ reported that Smith checked into a rehab facility on Monday. Smith has had frequent encounters with law enforcement. The Chronicle reported that Smith has three previous DUI arrests. He was also arrested in June 2012 when illegal weapons were found at his house during a party where two people were shot, and he was stabbed.  908

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