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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
A mom in Port St. Lucie, Florida said she wants to know how her 9-year-old son wound up at the end of his bus route, miles away from home, without his bus driver noticing him fast asleep in the bus.“I understand children can fall asleep, but at the end of the route why didn’t she check?" Rebecca Council said. "Why did she drive miles and then he wakes up, he’s scared, he’s unsure of where he is. She’s alone with my child.”“I was just scared," Trevor Council said.Trevor got on the bus as normal Wednesday afternoon at Windmill Point Elementary, where he attends third grade."We put so much trust into the school system to take care of our children," Rebecca said.But then, Trevor fell asleep and missed his drop off at Newport Isles just after 3 p.m.Soon after, his mom got a frantic phone call from his stepmom saying Trevor hadn't come home from school."My heart immediately it felt like it dropped into my stomach," Rebecca said.Trevor's dad tried calling the school district and was told his bus had been running on time."The parents having to track down their child when we’re entrusting our school bus drivers with the safety of our children. We should not have to be the ones trying to track down the location of our children," Rebecca said.In the meantime, Trevor’s bus continued five miles away to the Mako soccer fields with Trevor fast asleep in a seat. He eventually woke up while the bus was parked there.“I stand up and say where was I and the bus driver was like, 'What?'" Trevor said. "She didn’t know I was still on the bus.”He said he wrote down his name for the bus driver and ended up being carted around another school’s route before being brought back to his own bus stop, just before 5 p.m.“No one bothered to call the father, the mother, stepmother, no one,” Rebecca said.After about 45 minutes, Trevor’s dad eventually got an answer from transportation.“The guy just told them he’s fine, he fell asleep," Rebecca said.But that answer isn’t enough. Rebecca said she wants to know how this happened.“I want to understand how that’s possible that the bus driver didn’t at least double check and make sure that every child was off the bus," she said.“I just don’t want it to happen to anybody else," Trevor said.St. Lucie County School District didn't respond by the end of the day Thursday to requests for comment. 2368
A mom in Port St. Lucie, Florida said she wants to know how her 9-year-old son wound up at the end of his bus route, miles away from home, without his bus driver noticing him fast asleep in the bus.“I understand children can fall asleep, but at the end of the route why didn’t she check?" Rebecca Council said. "Why did she drive miles and then he wakes up, he’s scared, he’s unsure of where he is. She’s alone with my child.”“I was just scared," Trevor Council said.Trevor got on the bus as normal Wednesday afternoon at Windmill Point Elementary, where he attends third grade."We put so much trust into the school system to take care of our children," Rebecca said.But then, Trevor fell asleep and missed his drop off at Newport Isles just after 3 p.m.Soon after, his mom got a frantic phone call from his stepmom saying Trevor hadn't come home from school."My heart immediately it felt like it dropped into my stomach," Rebecca said.Trevor's dad tried calling the school district and was told his bus had been running on time."The parents having to track down their child when we’re entrusting our school bus drivers with the safety of our children. We should not have to be the ones trying to track down the location of our children," Rebecca said.In the meantime, Trevor’s bus continued five miles away to the Mako soccer fields with Trevor fast asleep in a seat. He eventually woke up while the bus was parked there.“I stand up and say where was I and the bus driver was like, 'What?'" Trevor said. "She didn’t know I was still on the bus.”He said he wrote down his name for the bus driver and ended up being carted around another school’s route before being brought back to his own bus stop, just before 5 p.m.“No one bothered to call the father, the mother, stepmother, no one,” Rebecca said.After about 45 minutes, Trevor’s dad eventually got an answer from transportation.“The guy just told them he’s fine, he fell asleep," Rebecca said.But that answer isn’t enough. Rebecca said she wants to know how this happened.“I want to understand how that’s possible that the bus driver didn’t at least double check and make sure that every child was off the bus," she said.“I just don’t want it to happen to anybody else," Trevor said.St. Lucie County School District didn't respond by the end of the day Thursday to requests for comment. 2368
Air India Express Statement regarding incident involving Air India Express at Kozhikode pic.twitter.com/UPOE0y5TEr— Air India Express (@FlyWithIX) August 7, 2020 169
ALPINE, Calif. (KGTV) - Alpine parents fighting to keep sexually violent predators our of their neighborhood are more frustrated after hearing the State Department of Hospitals can't help them.10News first brought you this story in March. On Dec. 14, neighbors say a neighbor approached someone walking around a vacant property next door and found out she was an investigator for the Sexual Assault Felony Enforcement Task Force (SAFE)."[They were] looking at the property as a possible placement for sexual predators," Father Keith Martin said holding his three-month-old baby girl. In December, they wrote a pile of letters to anyone they could reach, successfully keeping a convicted sexual predator out of their neighborhood.Now they want to ensure the home is removed from the list for good. The problem is the State Department of Hospitals says the homeowner is the one who agrees to rent to the predators. Neighbors want to find a workaround, "I think that's kinda silly, if they can put an address on a list they can take it off, I don't know what the big problem is," Grandfather of nine James Greaney said. County Supervisor Dianne Jacob sent 10News this statement: 1184