梅州孕妇得了霉菌阴道炎怎么办(梅州淋菌阴道炎的治疗方法) (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

After three full days of deliberations, the jury in the trial of former Trump campaign chairman Paul Manafort still has not returned a verdict.Jurors will return Tuesday at 9:30 a.m. ET.Manafort is charged with 18 counts of tax evasion, bank fraud and hiding foreign bank accounts in the first case brought to trial by special counsel Robert Mueller as part of the investigation into Russian interference in the 2016 US election. He has pleaded not guilty to all the charges.Judge T.S. Ellis and both teams of lawyers met twice met Monday morning in private. The conversations lasted about 10 minutes each, and Ellis said transcripts will be made public at the end of the trial.The trial carries major implications for the future of Mueller's investigation. Trump has repeatedly called the probe a "witch hunt" that hasn't found evidence of Russian collusion with his campaign, and his allies in and out of the White House say the special counsel should wrap things up. 977

After losing her mother to COVID-19, a comedian has launched a mask-wearing crusade.Through a pixilated image on her iPad, Laurie Kilmartin strained her eyes desperately hoping to see her mother’s chest rise on the other end of their Facetime call, but after five minutes of silence, Laurie knew the coronavirus had won.Joanne Kilmartin died alone inside a California nursing home.After an hour of crying into her screen, Laurie and her sister told doctors it would be okay to end the call. They had spent the last 69 hours on FaceTime with their mom, knowing the end of her life was near.“Facetime makes this noise when it closes out and it closes out immediately, it doesn’t go to a corner and fade away. So, my mom just disappeared. There was this noise and she was pulled back into the universe,” Laurie said via a Zoom call from her home in California.Just weeks earlier, Joanne, 82, was enjoying her evening vodka martini at Laurie’s home where she’d been living. The 82-year-old had some underlying health issues but for the most part was doing okay, until one day when she started suffering from shortness of breath.Knowing what she knows now, Laurie says she likely would’ve never let her mom be checked into a short-term care facility after being discharged from a local emergency room.“It didn’t occur to me at all that this was still running through nursing homes like that,” she explained.When Joanne was checked into York Healthcare & Wellness Centre in Highland Park, California, not a single person had COVID-19. But just days later, dozens of patients had suddenly contracted the virus. After testing positive, Joanne’s condition quickly went downhill.“I couldn’t rescue her. Had I known what would happen, I would’ve gotten her a hotel room and hired a nurse,” Laurie lamented.By the time it became clear that Joanne wasn’t going to survive the virus, doctors set up an iPad in her room. Laurie and other family members would spend hours just watching their mom breath, offering words of comfort at any hint of movement. All of it done virtually in an attempt to keep the virus from spreading.COVID-19 has robbed families of the opportunity to grieve together in person.“My mom got the worst send off and at the end we were only voices that we hoped she could hear. It’s a terrible way to say goodbye to somebody, it doesn’t feel real,” Laurie said about her mom’s death.But Laurie has tried to find some purpose in her pain. As a professional comedian with a large online social media following, she decided to chronicle her mom’s final days of Twitter. It was an effort, she said, to educate the public about the true scope of the kind of suffering the virus causes. Laurie has even used her platform to criticize people who push back against mask-wearing policies.“To someone who doesn’t want to wear a mask, you’re incredibly selfish, you’re harming yourself. Even if you think, ‘Oh it’s just old people,’ do you want to lose an old person like this? Is this how you want your grandma or grandpa to go out? Is that fair?” she questioned.Having watched her mother take her final few breaths via a FaceTime call, Laurie is left to wonder why so many states are reopening as quickly as they have, even as COVID-19 cases continue to spike.“There’s over 100,000 stories like mine, and 100,000 families like mine that are shocked and numb, you could be me pretty soon.” 3397

After dipping below a million new claims a week for the first time since March, jobless claims are back up above that mark.The U.S. Department of Labor just reported at least 1.1 million people filed new jobless claims last week, while there were another 14.8 million continuing claims.For all those on unemployment, what is not back is the 0 pandemic unemployment assistance. Instead, President Trump signed an executive order for Lost Wage Assistance, while Congress is still in a stalemate over a new stimulus package.Until the president’s order kicks in, after states apply for the help and get approved, everyone on unemployment is being forced to live off their respective state's normal unemployment benefit. In many states, the average benefit payout is meager, at best.“The national average for unemployment dropped from nearly 0 a week to just 8 a week in June of this year, because so many low wage workers were losing their jobs,” said Andrew Stettner, a senior fellow at The Century Foundation.Stettner has been heavily researching and analyzing unemployment benefits with the New York and D.C.-based independent think tank. Part of his research and analysis shows low-wage workers could be getting far less than that average state weekly benefit. For example, in a state like Hawaii, some low wage workers could be getting the state’s minimum payout of just a week right now. In other states like Louisiana, Connecticut, North Carolina, Nevada, Oklahoma, and Delaware, minimums aren’t much higher, ranging between to per week.“All but nine states have minimum benefits below 0 per week,” Stettner added.Understanding states’ minimums and how little some workers could now be getting per week is important because it will impact their eligibility for the president’s executive order.“If you don’t get more than 0 in unemployment benefits a week from the state, you can’t get Trump's new Lost Wage Assistance,” explained Stettner.Lost Wage Assistance is an additional 0 a week from the federal government for those on unemployment and is supposed to be available until Dec. 27, 2020. Essentially, right now, it is the only stopgap in place to help those unemployed, but it won’t help those who may need help the most. That’s why many are urging Congress to quickly come to an agreement on the next stimulus bill that helps everyone struggling.“I think there is the will to continue federal unemployment employment benefits, Trump’s executive order. Trump’s executive order promises them through December 27, but there is not enough money to fulfill that promise. So, I think there is the will to do the right thing but there is a lot getting in the way,” said Stettner. 2718

ALPINE, Calif. (KGTV) -- An 86-year-old man was hit and killed in the parking lot of an Alpine shopping center Thursday evening, according to authorities. Police say a truck hit the man on the 1200 block of Alpine Boulevard around 4:12 p.m. Thursday. Investigators say the driver of the truck didn’t see the man and backed over him outside a Chase Bank.A worker at a nearby Carls Jr. said the man was stuck under the truck following the accident. Authorities said the incident was a tragic accident and the driver won't face any charges.   572

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