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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 young boy who was abandoned at a Goodwill drop-off in Mississippi is now with Child Protective Services and police have at least one suspect in custody.Southaven police posted on social media Monday about the boy, who they believe is about 2 years old. They told WREG he had a change of clothes, some food and a note written on a paper towel that read, “child abandoned … no phone number for mom.”Southaven is just south of Memphis across the Mississippi border.The boy was unable to give his name or the names of any parents or relatives to officers, and they posted to social media asking the public for help identifying any relative or possible suspects.Later Monday afternoon, police said they received numerous tips in addition to surveillance video."Southaven Police received numerous tips, and with the assistance of F.B.I. offices in both Mississippi, and Tennessee, along with the Shelby County Sheriff’s Department a suspect related to this case was taken into custody in Memphis at approximately 15:30 hours. At this time the investigation is still on going, no suspect information or charges are being released," they posted on Facebook. “Chief Moore would like to thank all of the citizens who showed concern for the child, rest assured he is well, and being taken care of and will be re-united with family when CPS determines this is proper,” police added later on Facebook. 1398

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

A woman in her underwear arriving on a white horse at a packed nightclub -- and being greeted by flashing cameras -- didn't go over well with Miami Beach authorities.The Mokai Lounge is under investigation for possible animal cruelty and public safety issues after video from the apparent stunt earlier this week surfaced on social media. By Friday, the city revoked the club's business license.The clip shows the woman in what appears to be a thong and a bra entering the club on the white horse. The horse then dips, the woman falls off and the horse bucks and walks off. People in the video are heard gasping and then cheering. Miami Beach Police posted the video on their Twitter feed in hopes of gathering more information from witnesses. 751

Alex Trebek, the calm and witty host of "Jeopardy!" since 1984, has died at the age of 80. The game show shared the news of his passing Sunday morning. "Jeopardy! is saddened to share that Alex Trebek passed away peacefully at home early this morning, surrounded by family and friends. Thank you, Alex," they wrote on social media. 339

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