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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 relocating most of the Republican National Convention to Jacksonville, Florida, President Donald Trump announced he has canceled the Jacksonville portion of the GOP convention for next month due to the spread of the coronavirus in Florida."I looked at my team and I said the timing for this event is not right, just not right with what's happened recently, the flare up in Florida,, to have a big convention," Trump said Thursday. "It's not the right time. It's really something that for me I have to protect the American people. That's what I've always done."A few convention activities will remain in North Carolina, Trump confirmed.Trump and Republicans opted to pick up and move most convention activities from Charlotte to Jacksonville after North Carolina’s governor would not commit to easing social distancing mandates for the convention.Trump said he still plans on delivering an acceptance speech during the convention week.While the Democratic Party hasn't officially canceled its Milwaukee convention for next month, it is encouraging delegates to stay home. The party plans on "anchoring" the convention there, hosting speeches and events with a limited number of surrogates. 1203

After an undocumented immigrant was arrested Tuesday in the presumed death of Mollie Tibbetts, President Donald Trump and other Republican lawmakers blamed the tragedy on the nation's immigration laws.Cristhian Bahena Rivera, 24, is being held on a first-degree murder charge in the case of Tibbetts, a 20-year-old University of Iowa college student who was last seen jogging in Brooklyn, east of Des Moines, more than five weeks ago.He faces life in prison without parole if convicted. 494

A Milledgeville, Georgia boy was arrested on Friday when a gun discharged from the boy's backpack inside an elementary school, WMAZ-TV reported. The boy attends Lakeview Academy, a school for students in grades 3 through 5. The boy told investigators that he was unaware that there was a gun in his backpack, and that he had never seen the firearm before. The gun reportedly went off as he was going through his backpack in the back of the classroom. After authorities arrived at the school, he was placed under arrest. The boy is facing four charges, according to WMAZ: Carrying a weapon in a school zone; reckless conduct; disrupting or interfering with public school; and possession of a pistol by a person under 18. Baldwin County Sheriff's Maj. Scott Deason told WMAZ that the firearm was a stolen Smith & Wesson 9-millimeter. Deason told the Union Reporter that that student could not explain to investigators how he ended up with the gun.“They questioned the juvenile in the presence of his mother,” Deason told the Union Reporter. “The mother also stated she didn’t know how the gun got into her son’s book bag.”The Union Reporter added that the boy is not allowed back in school until after he goes through the court system. 1320

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