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Akash Vukoti, speller 459, from Texas, was the youngest speller in the competition the first time he came to the Scripps National Spelling Bee, at six years old.Akash turns nine Tuesday, on the first day of competition. He's still among the youngest competitors, but the third grader is now a seasoned pro."It feels amazing to be back," he said, "Being in the National Spelling Bee itself is such an honor."Akash said he thinks the competition will be tougher this year -- after all, there are more competitors -- but that the actual spelling is his favorite part of being there. Oh, and he does like signing autographs in the Bee Keeper, too."I have more friends than ever," he said.On Tuesday, he correctly spelled "Tibetan" in the second round of the Bee. Third-round action will air on ESPN 3 starting at 8 a.m. Wednesday. 854

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

Absolutely unnecessary. Call Rusty Bowers in AZ and tell him not to use COVID as an EXCUSE!! https://t.co/tWoXAVeWFa— Jenna Ellis (@JennaEllisEsq) December 7, 2020 171

Almost a week after Hurricane Michael shredded the Florida Panhandle, more bodies of victims are emerging.On Tuesday, a search dog discovered the body of a man in the decimated city of Mexico Beach. That brings the death toll from last week's storm to 26 across four states, including 16 in Florida, according to officials.While most of Mexico Beach lies in ruins, many evacuated residents still haven't seen what's left of their homes. They've had to wait for authorities to secure the area and complete search-and-rescue efforts before returning home. 561

About 26,000 Ford vehicles are being recalled with three different safety concerns announced this week.The first one is for certain 2016-2020 Lincoln MKX and Nautilus vehicles with 16-way power seats. The issue is with the wiring of the seat harness and how close they are to the seat cushion pan. If certain wires are damaged from coming into contact with the seat cushion frame, Ford says the airbag system may not perform as intended.People with impacted models can go to a dealer to have them install flocking tape and check the wires.The second recall is for the newest model of F-650 and F-750 trucks. The vehicles are missing certain thermal protection components intended to reduce the interior cabin floor and seat attachment temperatures in hot conditions.The third recall affects less than 100 of the 2020 Ford Escape and Transit vehicles. The airbag may not inflate properly. People are encouraged to take their vehicle to a Ford dealer to have the airbag checked.Ford is not aware of any injuries from any of these safety concerns. 1052

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