Tips for shopping for Medicare Advantage plans

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Tips for shopping for Medicare Advantage plans

2024-09-28 21:07 Last Updated At：22:10

Shopping season for Medicare coverage is about to begin. With it comes the annual onslaught of TV ads and choices to consider.

People eligible for the federal government’s Medicare program will have from Oct. 15 to Dec. 7 to sign up for 2025 Medicare Advantage plans, which are privately run versions of the program. They also can add a prescription drug plan to traditional Medicare coverage.

Many people on Medicare Advantage plans will probably have to find new coverage as major insurers cut costs and pull back from markets. Industry experts also predict some price increases for Medicare prescription drug plans.

Shoppers often have dozens of options during this sign-up period. Here are some things to consider.

Start thinking about next year's coverage before the annual enrollment window begins. Insurers will usually preview their offerings or let customers know about any big changes. That makes anything arriving in the mail from your insurer important to read.

Insurance agents say many people wait until after Thanksgiving to decide coverage plans for the new year. That could be a mistake this year: The holiday falls on Nov. 28, leaving slightly more than a week to decide before the enrollment window closes.

Many Medicare Advantage plans promote a $0 premium. That may sound attractive, but price is only one variable to consider.

Shoppers should look at whether their doctors are in the plan’s coverage network and how prescriptions would be covered. They also should know the maximum amount under the plan that they’d have to pay if a serious health issue emerges.

Plans offer many supplemental benefits, including help paying food or utility bills. Don’t let those distract from understanding the core coverage, said Danielle Roberts, co-founder of the Fort Worth, Texas, insurance agency Boomer Benefits.

“Remember that we buy health insurance for the big things, not the frills,” she said.

The federal government operates a plan finder that lets people compare options. The State Health Insurance Assistance Program can be another resource. Insurance brokers or agents also guide customers through searches.

Sometimes a plan’s coverage doesn’t work as expected. If that happens, there’s another enrollment window in the first three-months of each year where some shoppers may be able to make a change.

The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Science and Educational Media Group. The AP is solely responsible for all content.

Dozens dead and millions without power after Helene's deadly march across southeastern US

2024-09-28 22:03 Last Updated At：22:10

PERRY, Fla. (AP) — Hurricane Helene caused dozens of deaths and billions of dollars of destruction across a wide swath of the southeastern U.S. as it raced through, and more than 3 million customers went into the weekend without any power and for some a continued threat of floods.

Helene blew ashore in Florida's Big Bend region as a Category 4 hurricane late Thursday packing winds of 140 mph (225 kph) and then quickly moved through Georgia, the Carolinas and Tennessee, uprooting trees, splintering homes and sending creeks and rivers over their banks and straining dams.

Western North Carolina was essentially cut off because of landslides and flooding that forced the closure of Interstate 40 and other roads. Video shows sections of Asheville underwater.

Francine Cavanaugh said she has been totally unable to reach her sister, son, or friends in the Asheville area.

“My sister checked in with me yesterday morning to find out how I was in Atlanta,” she said on Saturday. “The storm was just hitting her in Asheville, and she said it sounded really scary outside.”

Cavanaugh said her sister had no idea how bad the storm would be there. She told Cavanaugh she was going to head out to check on guests at a vacation cabin “and that’s the last I heard of her. I’ve been texting everyone that I know with no response. All phone calls go directly to voicemail.”

She saw video of a grocery store near the cabins that was completely flooded.

“I think that people are just completely stuck, wherever they are, with no cell service, no electricity.”

There were hundreds of water rescues, none more dramatic than in rural Unicoi County in East Tennessee, where dozens of patients and staff were plucked by helicopter from the roof of a hospital that was surrounded by water from a flooded river.

The storm, now a post-tropical cyclone, was expected to hover over the Tennessee Valley on Saturday and Sunday, the National Hurricane Center said. Several flood and flash flood warnings remained in effect in parts of the southern and central Appalachians, while high wind warnings also covered parts of Tennessee and Ohio.

Among the at least 44 people killed in the storm were three firefighters, a woman and her 1-month-old twins, and an 89-year-old woman whose house was struck by a falling tree. According to an Associated Press tally, the deaths occurred in Florida, Georgia, North Carolina, South Carolina and Virginia.

In the wealthy enclave of Davis Islands in Tampa, where star athletes like Derek Jeter and Tom Brady have lived, residents were continuing to clean up Saturday from storm surge left by Helene.

The neighborhoods that sit just off Tampa’s downtown and are home to about 5,000 people had never seen storm surge like it had Friday. No one died, but homes, businesses and apartments were flooded.

”I don’t think anybody was expecting it,” Faith Pilafas told the Tampa Bay Times. “We’ve kind of gotten accustomed to lots of talk about big storms, and never actually like feeling the effects of it. So for all the people who didn’t leave the island, I feel like they were all just expecting it to be a normal storm, anticlimactic. And wow, were we surprised.”

Authorities warned residents to evacuate, and many did, but some stayed behind.

In North Carolina, a lake featured in the movie “Dirty Dancing” overtopped a dam and surrounding neighborhoods were evacuated, although there were no immediate concerns it would fail. People also were evacuated from Newport, Tennessee, a city of about 7,000 people, amid concerns about a dam near there, although officials later said the structure had not failed.

Tornadoes hit some areas, including one in Nash County, North Carolina, that critically injured four people.

Atlanta received a record 11.12 inches (28.24 centimeters) of rain in 48 hours, the most the city has seen in a two-day period since record keeping began in 1878, Georgia’s Office of the State Climatologist said on the social platform X. Some neighborhoods were so badly flooded that only car roofs could be seen poking above the water.

Moody’s Analytics said it expects $15 billion to $26 billion in property damage.

Climate change has exacerbated conditions that allow such storms to thrive, rapidly intensifying in warming waters and turning into powerful cyclones sometimes in a matter of hours.

Florida's Big Bend is a part of the state where salt marshes and pine flatwoods stretch into the horizon, and where the condo developments and strip malls that have carved up so much of the state's coastlines are largely absent.

It’s a place where Susan Sauls Hartway and her 4-year-old Chihuahua mix Lucy could afford to live within walking distance of the beach on her salary as a housekeeper.

At least, until her house was carried away by Helene.

Friday afternoon, Hartway wandered around her street near Ezell Beach, searching for where the storm may have deposited her home.

“It’s gone. I don’t know where it’s at. I can’t find it,” she said of her house.

The community has taken direct hits from three hurricanes since August 2023.

All five who died in one Florida county were in neighborhoods where residents were told to evacuate, said Bob Gualtieri, the sheriff in Pinellas County in the St. Petersburg area. Some who stayed ended up having to hide in their attics to escape the rising water. He said the death toll could rise as crews go door-to-door in flooded areas.

More deaths were reported in Georgia and the Carolinas, including two South Carolina firefighters and a Georgia firefighter who died when trees struck their trucks. Virginia Gov. Glenn Youngkin reported at least one death in his state.

President Joe Biden said he was praying for survivors, and the head of the Federal Emergency Management Agency headed to the area. The agency deployed more than 1,500 workers, and they helped with 400 rescues by late Friday morning.

Officials urged people who were trapped to call for rescuers and not tread floodwaters, warning they can be dangerous due to live wires, sewage, sharp objects and other debris.

In Georgia, an electrical utility group warned of “catastrophic” damage to utility infrastructure, with more than 100 high voltage transmission lines damaged. And officials in South Carolina, where more than 40% of customers were without power, said crews had to cut their way through debris just to determine what was still standing in some places.

The hurricane came ashore near the mouth of the Aucilla River, about 20 miles (30 kilometers) northwest of where Hurricane Idalia hit last year at nearly the same ferocity. Florida Gov. Ron DeSantis said the damage from Helene appears to be greater than the combined effects of Idalia and Hurricane Debby in August.

The destruction extended far beyond Florida.

A mudslide in the Appalachian Mountains washed out part of an interstate highway at the North Carolina-Tennessee state line.

Another slide hit homes in North Carolina and occupants had to wait more than four hours to be rescued, said Ryan Cole, the emergency services assistant director in Buncombe County. His 911 center received more than 3,300 calls in eight hours Friday.

“This is something that we’re going to be dealing with for many days and weeks to come,” Cole said.

Forecasters warned of flooding in North Carolina that could be worse than anything seen in the past century. The Connecticut Army National Guard sent a helicopter to help.

Helene was the eighth named storm of the Atlantic hurricane season, which began June 1. The National Oceanic and Atmospheric Administration has predicted an above-average season this year because of record-warm ocean temperatures.

Payne reported from Tallahassee, Florida, and Hollingsworth reported from Kansas City, Missouri. Associated Press journalists Seth Borenstein in New York; Jeff Amy in Atlanta; Russ Bynum in Valdosta, Georgia; Danica Coto in San Juan, Puerto Rico; Andrea Rodríguez in Havana; Mark Stevenson and María Verza in Mexico City; and Claire Rush in Portland, Oregon, contributed.