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Although a school resource officer did fire at the teen who'd shot two fellow students at a Maryland high school last week, the shooter died of a bullet from his own gun, authorities say.Austin Wyatt Rollins -- a 17-year-old who killed one student and injured another -- shot himself in the head in a hallway at Great Mills High School on the morning of March 20, right as school resource officer Blaine Gaskill fired his gun at him, the St. Mary's County Sheriff's Office said.The officer's shot struck Rollins' gun, which was in the teen's hand, the sheriff's office said. 582

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 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

According to a recent study, it is "highly unlikely" to become sick with COVID-19 after ingesting or touching food.The International Commission on Microbiological Specifications for Foods studied and found "no documented evidence that food is a significant source or vehicle for transmission of COVID.""While ingestion of the virus could potentially result in COVID-19 infection, oral transmission via food consumption has not been reported," the organization said.The committee went on to say that some countries don't need to restrict food imports, test imported products, or ask companies to state their products are coronavirus-free because there's "no documented evidence" that food is a carrier for COVID.They say that the focus should be on protecting food workers, consumers, and restaurant patrons from becoming infected by person-to-person contact. 866

Airbnb announced new rules for New Year's Eve to prevent parties and large gatherings at its properties amid a surge in coronavirus cases.The vacation rental company released its plan on Thursday to limit rentals in the United States, the United Kingdom, Canada, Mexico, Australia, France, and Spain.The new measures state that Airbnb would require guests who don't have a positive review history to book a minimum of two nights for any stay, including Dec. 31. Any guests with reservations on Dec. 31 must swear that they will not throw a party under threat of legal charges.The company said that guests who have a history of positive reviews on Airbnb would not be subject to this restriction.The company said it would allow already-booked one-night reservations to continue as planned since their "data has historically shown that one-night New Year’s Eve bookings made prior to now very rarely lead to unauthorized parties." 936

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