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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 difficult, monthlong journey from Central America to the US-Mexico border, dozens of asylum-seeking migrants are vowing to remain outside an immigration processing center until "every last one" is admitted into the country, an organizer with the caravan said late Sunday.Earlier, the migrants marched from Friendship Park in Tijuana, Mexico to the San Ysidro port of entry. They stood on the Mexican side; on the other side lay San Diego, California. It was the final leg for some in the caravan of hundreds of migrants, which had reached Tijuana on Tuesday.Alex Mensing, an organizer with Pueblo Sin Fronteras, which assembled the caravan, said 50 migrants were admitted to the immigration processing center on the Mexico side. However, that is incorrect. The migrants congregated on a bridge leading to the US border while waiting to be processed by American officials.Before the group arrived, US Customs and Border Protection officials said the port had already reached full capacity, and migrants trying to get into the United States may need to wait in Mexico as officials process those already in the facility.Some migrants said they had walked the last leg of the journey filled with anxiety. Others scarfed down food before they filed into the center, afraid there would be no food once they turned themselves in to border officials.One woman in a wheelchair said she was leaving a part of herself in Mexico. She didn't know where she was going, just that she was going to the United States, she said.In anticipation of the final march of a trip that has riled President Donald Trump, supporters lined both sides of the border on Sunday.The migrants say they want a better life for themselves and their children, safe from violence and poverty in their home countries. The caravan is both a humanitarian and an activist mission, as organizers created the event to draw greater attention to the migrants' plight.One such migrant is Gabriela Hernandez, a pregnant mother of two who fled Honduras and crossed Guatemala into Mexico to join the group heading north. She and her two sons left behind their friends and family and battled hunger and exhaustion along the monthlong journey."There are people who think I just woke up and said, 'Oh, I want to just go to the United States.' It's not that easy," she said.Isabel Rodriguez, 52, traveled with her two grandchildren, Anderson, 7, and Cristofer, 11, from El Salvador with the caravan over several weeks. She said she was grateful to be in Tijuana but was worried about what's ahead."I hear they are separating people who are not parents of children," she said, "but I am ready to get to the border."  2681

After postponing several shows because of the coronavirus pandemic, Elton John is saying hello to the yellow brick road of touring. The pop icon announced Wednesday that his “Farewell Yellow Brick Road Tour” will return to North America on Jan. 19, 2022 in New Orleans. 278

Abby and I wish a heart-felt congratulations to @JoeBiden and @KamalaHarris on the election call today. Thank you for your commitment to unite us all. We pray for you and promise to work with you to benefit the people of Utah. 1/— Spencer Cox (@SpencerJCox) November 7, 2020 282

ALEXANDRIA, Va. -- Within a quiet lab, are scattered fragments of America’s storied past.“I never thought I'd be doing anything like this,” said Kenneth McNeill, an eight-year veteran of the U.S. Air Force.He also spent three years in the reserves and now is a part of the “Veterans Curation Program,” which provides training in archiving and archaeology.“I think one thing that happens a lot is that we just exist, and we don't think about things that happened in the past,” McNeill said.In the lab, though, the past is never out of reach.The artifacts come from the U.S. Army Corps of Engineers, who discovered the items at sites across the country during the excavation and construction of major projects, like dams and canals.“The Army Corps of Engineers had a need for people to do this curation work and the veterans have a need to find work and gain new skills and feel comfortable getting back into the workforce,” said Sarah Janesko, administrator of the Veterans Curation Program.The lab spaces are provided around the country by New South Associates, a company which specializes in archaeology and partnered with the Army Corps to train the veterans.“They feel like they're part of this larger mission to preserve our history and the cultural materials that come with it,” Janesko said.In just over 10 years, the Army Corps said the program has trained nearly 700 veterans, with 72% of them landing permanent jobs, some with the Smithsonian and National Park Service, while another 19% have gone on to further their studies in college.“It also gives us a sense of purpose, which is something I think veterans sometimes need when they separate from the military,” McNeill said. “We live in an area that has a lot of history to it. So, it's good that we are helping restore some of these things.”All of this happening, while they gain new skills, along with a deeper appreciation of the past. 1909