Think about which factors are most important to you when it comes to your healthcare and use these to make your decision. If you travel often, you're better off going with Original Medicare because there are fewer limitations on where you can seek treatment. If you don't travel often, it may be worth considering a Medicare Advantage plan, though you should check if your primary physician accepts Medicare Advantage plans first. Shop around and compare the costs of Original Medicare plus a Medigap policy and a Medicare Advantage plan.
Pay attention to the monthly costs and the out-of-pocket costs in case you need to file a claim. Read through the policies carefully so you understand what is and isn't covered. If you decide later that you'd like to switch between an Original Medicare and a Medicare Advantage plan, you can do so, but only at certain times.
There's an initial enrollment period that begins three months before the month you turn 65 and runs until three months after the month you turn This is when you make your initial plan selection. If you don't like it, you can change it during the general enrollment period, which runs from Oct. What Is an ETF? How to Beat the Market. The Motley Fool has a disclosure policy.
Bloomberg -- Stefan Qin was just 19 when he claimed to have the secret to cryptocurrency trading. Buoyed with youthful confidence, Qin, a self-proclaimed math prodigy from Australia, dropped out of college in to start a hedge fund in New York he called Virgil Capital. He told potential clients he had developed an algorithm called Tenjin to monitor cryptocurrency exchanges around the world to seize on price fluctuations. Last week, Qin, now 24 and expressing remorse, pleaded guilty in federal court in Manhattan to a single count of securities fraud.
District Judge Valerie E. Caproni, who could sentence him to more than 15 years in prison. I am profoundly sorry for the harm my selfish behavior has caused to my investors who trusted in me, my employees and my family. Ponzi schemes like that show how investors eager to cash in on a hot market can easily be led astray by promises of large returns.
While regulatory oversight of the cryptocurrency industry is tightening, the sector is littered with inexperienced participants. A number of the or so crypto funds worldwide are run by people with no knowledge of Wall Street or finance, including some college students and recent graduates who launched funds a few years ago. He had been a math whiz who planned on becoming a physicist, he told a website, DigFin, in a profile published in December, just a week before regulators closed in on him.
He also attended the Minerva Schools, a mostly online college based in San Francisco, from August through December , the school confirmed. His task had been to build a platform between two venues, one in China and the other in the U.
His strategy, he told investors, would be to exploit the tendency of cryptocurrencies to trade at different prices at various exchanges. His assets got an extra jolt after the Wall Street Journal profiled him in a February story that touted his skill at arbitraging cryptocurrency. Missing AssetsThe first cracks appeared last summer. She left the firm in December.
The complaints grew. But there was no money to transfer. Qin had drained the Sigma Fund of its assets. Instead of trading at 39 exchanges around the world, as he had claimed, Qin spent investor money on personal expenses and to invest in other undisclosed high-risk investments, including initial coin offerings, prosecutors said. So Qin tried to stall. He convinced investors instead to transfer their interests into his VQR Multistrategy Fund, another cryptocurrency fund he started in February that used a variety of trading strategies -- and still had assets.
But by now the SEC was involved. A court-appointed receiver who is overseeing the fund is looking to recover assets for investors, said Nicholas Biase, a spokesman for Manhattan U. Attorney Audrey Strauss. In South Korea when he learned of the probe, Qin agreed to fly back to the U.
He surrendered to authorities on Feb. That fate is a far cry from the career his parents had envisioned for him -- a physicist, he had told DigFin. But what I really want to do is trade crypto. District Court, Southern District of New York Manhattan Updates with comment from prosecutor and case caption For more articles like this, please visit us at bloomberg.
The Buffett Indicator has gone haywire of late. The talk has turned to rising interest rates and the specter of inflation against the backdrop of growth powered by Covid fiscal stimulus. According to Goldman Sachs equity strategist, Ryan Hammond, the stock market bull may stick with us for a while.
Hammond notes that interest rates remain low, and sees this as the key factor. With rates and inflation low, this makes the stock market the go-to place for investors seeking higher returns. And within the stock market, penny stocks are sure to attract attention. The former brings a valid argument to the table. As for the latter, the potential for an investment worth only pocket change to appreciate even a seemingly insignificant amount, the result of which could be massive percentage gains, is too enticing to ignore.
The implication for investors? Due diligence is essential, as some penny stocks might not have what it takes to climb their way back up. Checkpoint acquires, develops, and commercializes immune-enhanced combination treatments for solid tumor cancers. Checkpoint has two leading drug candidates, CK and CK The drug has shown promise compared to traditional chemotherapy treatments.
Further studies will test CK against tumor progression due to resistance mutations. The second candidate, CK, is an antibody drug currently in a Phase 1 clinical trial focused on patients with selected recurrent or metastatic cancers. The selected cancers include NSCLC, as well as metastatic melanoma, renal cell carcinoma, head and neck cancer, and urothelial carcinoma. Based on these results, the company is continuing its clinical phase program, including an early registration of patients for a Phase 3 study.
We view this as the key near term focus for CKPT. We expect a positive readout based on what we have viewed as strong interim data that have recently been presented for cosibelimab SITC , ESMO NASH is a fatty liver disease, closely correlated to obesity, for which there are currently no targeted drugs available.
Whoever brings a solution into play stands to cash in handsomely. Aramchol has completed Phase 2a and Phase 2b trials and is currently in Phase 3. Raymond James analyst Steven Seedhouse thinks the company has been playing its cards right. Disclaimer: The opinions expressed in this article are solely those of the featured analysts.
The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment. Marijuana stocks rose a bit after hours on the Aurora Cannabis earnings report. Tilray led Thursday's sell-off following a huge run on U. Congress is keeping the same stimulus check formula, though that could change. Recent action in marijuana stocks involving Reddit traders makes it hard to predict day-to-day moves, especially with the more-liquid Canadian growers.
Marijuana stocks have moved higher as hopes increase for wider U. Are any pot stocks good buys? The Canadian cannabis sector has a long history of companies shifting from product segments to only rush straight into another competitive segment without any margin power in an oversupplied market.
The management team clearly thought the lower stock prices warranted a good price to sell shares. Investors should cash out before the stock falls like GameStop previously. The view from the Street is hardly any rosier. Hot meals, rides, and a little help around the house—would you switch to Medicare Advantage for these supplemental benefits?
Aging safely at home is a priority for most of the survey respondents. While men and women had slightly different preferences, and the age of the respondent affected benefit choice, the overall response indicates a strong preference for services that help Medicare beneficiaries live independently at home.
The good news is that the number of Medicare plans is growing, as is the overall enrollment in Medicare Advantage. According to health care consulting firm Faedre Becker Daniels, the number of Medicare Advantage enrollees is expected to increase to 30 million by from 22 million in The new influx of plan members and competition between insurers for new enrollees should lower costs and increase the number of Medicare Advantage supplemental benefits available to consumers. Our own research is bearing that out.
These are all excellent developments for those worried about future health care costs with Medicare Advantage. Depending on where you live, you may already have access to plans with the new Medicare Advantage supplemental benefits.
Ultimately, your best weapon against uncertain health care costs is to comparison shop Medicare plans every year during the Annual Election Period in the fall, October 15 to December 7. Becoming eligible for Medicare can be daunting. But don't worry, we're here to help you understand Medicare in 15 minutes or less.
Was this article helpful? The purpose of this site is the solicitation of insurance. We offer plans from a number of insurance companies. Original Medicare Medicare by State Caregivers.
Regardless of the plan, the federal government requires Medicaid plans cover hospitalizations, home health care, physician appointments, labs and x-rays, maternity and pediatric and preventive care. Medicaid also covers child dental care. Thirty-eight states have also expanded Medicaid eligibility. Medicare and Medicaid are public health insurance programs, but they differ in multiple ways.
Here are some differences:. Medicaid is based on income. You could be eligible for both if you meet income and age requirements for each program. Meanwhile, Medicaid covers dependents. Medicare open enrollment is from Oct. During open enrollment, you can make changes to your plan. You also have three months after you turn 65 to sign up for a Medicare plan. There's also a more limiited open enrollment from Jan. Medicare offers a wealth of choices. Premiums, deductibles and out-of-pocket costs can vary greatly, so make sure you compare each cost.
Medicaid, on the other hand, will likely give you one or very few choices. That plan could be through the state, or it could be a managed care plan offered by a private insurer. The different types of Medicare plans also vary. If you have both Medicare and Medicaid, Medicare pays for care first.
Medicaid is considered the secondary payer. Just make sure to get care from providers who accept both plans. You can sign up by going to Medicare. One option is to just get Part A, which covers hospitalizations and is free to nearly all Americans 65 and over. So, if you decide to get Original Medicare or have other coverage and want to delay paying for Medicare, you could sign up for only Medicare Part A initially. Deductibles and coinsurance apply. However, it may cost more to join later in life, due to a late-enrollment penalty.
Medicare Part C plans are offered by private companies approved by Medicare. In addition to providing coverage offered by Parts A and B, Part C offers vision, hearing, and dental coverage, and may also provide prescription drug coverage.
In that way, it functions much like the health maintenance organizations HMOs and preferred provider organizations PPOs , through which many people receive medical services during their working years. Enrolling in Part C may reduce the costs of purchasing services separately. Individuals should carefully evaluate their medical needs because Part C participants generally pay out-of-pocket for the associated services. Medicare Supplement Insurance, known as Medigap , may be purchased to help cover expenses such as copayments, coinsurance, and deductibles that are not covered by Parts A and Part B.
However, physicians who do not take Medicare also do not accept Medigap. Medicare Part D provides prescription drug coverage. Participants pay for Part D plans out-of-pocket, and must pay monthly premiums, a yearly deductible, and copayments for certain prescriptions. Those enrolled in Medicare Part C will only want to consider Part D if their plan has no prescription drug coverage.
The annual Medicare open enrollment period runs from Oct. Supreme Court ruled that states are not required to participate in the expansion in order to continue receiving already established levels of Medicaid funding. Many states have chosen not to expand funding levels and eligibility requirements. Those covered by Medicaid pay nothing for covered services. Unlike Medicare, which is available to nearly every American of 65 years and over, Medicaid has strict eligibility requirements that vary by state.
There are also income restrictions. For a state-by-state breakdown of eligibility requirements, visit Medicaid. Each state also has the option of including additional benefits, such as prescription drug coverage, optometrist services, eyeglasses, medical transportation, physical therapy, prosthetic devices, and dental services.
In fact, Medicaid is the nation's largest single source of long-term care funding, which often covers the cost of nursing facilities for those who deplete their savings to pay for healthcare and have no other means to pay for nursing care. Other populations with limited Medicaid coverage are also eligible for coverage under this state option. Supreme Court. Sebelius, U. Accessed Nov. Centers for Medicare and Medicaid Services. Your Money. Personal Finance.
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