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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

According to court documents, the members of a militia group who allegedly plotted to kidnap and kill Michigan Gov. Gretchen Whitmer hoped to conduct executions of politicians on live TV.The documents state that Adam Fox — the man who state and federal officials have called the alleged "ringleader" of the Wolverine Watchmen militia group — devised two separate plans. "Plan A" included recruiting 200 men, taking over the entire state Capitol building, taking hostages and executing "tyrants" on live television.A secondary plan was to lock the door and set the building on fire.Fourteen men have been charged by the state and federal government in related cases. The documents were filed in Jackson County Court last month.The plot planning went on for about six months. Whitmer was allegedly targeted because she imposed the shutdowns of non-essential businesses amid the COVID-19 pandemic; the plot was supposed to be carried out before the November election.Federal and state authorities have said much more evidence will be coming out as the cases against the 14 charged move forward in court.Federal officials have asked a judge in Grand Rapids, who has jurisdiction over six of the men charged, for a protective order to keep the names of confidential informants and undercover FBI agents private.This story was originally published by WXYZ in Detroit. 1369

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

After Columbine, it was hard to imagine things getting much worse.At the time, the shooting at a Colorado high school was the deadliest school attack in US history. But then came Virginia Tech, and Sandy Hook.With 13 victims dead, it was also one of the deadliest shootings overall. But then came San Bernardino, Orlando, Las Vegas and Sutherland Springs. 363

After multiple news outlets projected that Democrats would take control of the House of Representatives, President Trump called House Minority Leader Nancy Pelosi in a show of bipartisanship, CNN reports.Trump's call came just hours after White House Press Secretary Sarah Huckabee Sanders indicated to pool reporters Tuesday that Trump would not reach out to Pelosi (D-California)."I'm not sure why you would call Nancy Pelosi considering a lot of people in her own party have said they wouldn't support her," Sanders told pool reporters. "If Democrats win tonight, I think we need to wait and see who their speaker is."Trump attacked Pelosi repeatedly while stumping for Republican House candidates in the lead-up to the midterm elections.A number of Democrats have distanced themselves from Pelosi since 2016. Following the 2016 election, Pelosi faced a challenged from Rep. Tim Ryan (D-Ohio) for House Minority leader. 950