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After 3,750+ Professional and Olympic hockey games, 100 different verbs used to describe a pass or shot, and 22 Stanley Cup Finals, the legendary Mike "Doc" Emrick has announced his retirement from broadcasting.From hockey fans around the world, we say #ThankYouDoc! pic.twitter.com/Pt27Dp63TW— #ThankYouDoc (@NHLonNBCSports) October 19, 2020 350

Airports were busy this holiday weekend, according to the Transportation Security Administration.TSA says it screened almost a million people on Friday, a record-high since the pandemic began.In comparison, they saw double that number the year before.The TSA says they saw fewer people on Saturday, only about 500,000 people traveled that day. 351

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 Waterford mother went through what she calls "the scariest 10 minutes of her life" while visiting her grandmother last weekendLacey Guyton was leaving her grandmother's when she put her 2-month-old daughter in the car. She says she put her daughter in her car seat, and the diaper bag in the back seat and shut the car door — only to discover that the door had locked.She immediately called 911 and was surprised by what the dispatcher told her — that 911 does not dispatch emergency services to unlock cars or break windows.Guyton said the dispatcher then offered to connect her to a tow company but knew she needed to get inside the car immediately to save her baby."I saw her start to close her eyes and I just ran to the back window and smashed it open," she said.Guyton says Waterford police contacted her to apologize about what happened, but she wants to set the record straight. "They never had the chance to respond. Nobody told them. They didn’t know, and had they known I feel they would have definitely come out," Guyton said.She says she was just overwhelmed by the amount of support she’s received from everyone following the incident. "There’s been so many people reaching out to me, hundreds of people telling me their stories, thanking me for putting this out there," Guyton said.Mother and daughter are now both doing well. 1391

After Fox News host Sean Hannity accused late night comedian Jimmy Kimmel of being a "pervert," Kimmel said on Sunday that he is ending his war of words with Hannity. Kimmel drew Hannity's ire earlier this week after Kimmel played a clip of First Lady Melania Trump reading to children during the White House Easter Egg Roll. Kimmel then joked with his sidekick, who is often lampooned on the show for having a thick accent, saying that he could be First Lady. "Jimmy, you're a despicable disgrace," Hannity told Kimmel. "Ass clown Kimmel," Hannity added. Kimmel responded to the criticism on Thursday's show by calling Hannity an "ass circus." Hannity then fired a number of tweets with the hashtag #PervertKimmel and calling Kimmel "Harvey Weinstein Jr.," a response to a "Man Show" segment where Kimmel would ask women to guess what is in his pants. The segment involved Kimmel asking women to feel the outside of his pockets to guess what was hidden inside. Kimmel by responding that Hannity was trivializing "the horrors of Harvey Weinstein by comparing them to televised comedy bits in which every woman was a willing participant who gladly signed a release.""Stop picking on woman that can’t fightback Mr Harvey Weinstein jr," Hannity responded. "And maybe pledge not to ask 18 year old girls to touch your crotch and put their mouths on it like you did. Why don’t You Be a grown up and simply apologize."On Sunday, it appeared Kimmel had enough.  1542