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need to know
Avon reports wider-than-expected loss
PepsiCo profit up 31% to top estimates
SNB chairman won’t rule out further rate cuts
Sweden cuts interest rate further below zero
European stocks knocked to lowest since 2013
FTSE 100 hits lowest level since 2012
SocGen profit up on Amundi stake sale
Dollar at lowest vs. yen since late 2014
Shell cancels $14.4 billion bridge credit facility
Hong Kong stocks dive as selloff kicks in
U.S. government runs $55 bln budget surplus

The greatest bull market of all time probably isn’t what you think it is
Greatest bull market ever likely isn’t what you think

Howard Gold: The 5 worst investment calls of this century
The 5 worst investment calls of this century

Chuck Jaffe: It’s time for these trendy mutual funds and ETFs to put up or shut up
Time for trendy ETFs, funds to put up or shut up

Rio Tinto swings to loss, drops dividend policy
Total narrows loss on fewer write-downs
Glencore copper, zinc output falls on cutbacks


Twitter proves Wall Street critics were right
Twitter adds new timeline feature

FBI closes in on Oregon holdouts


North Korea reportedly executes top general

India to pick up China’s slack in oil demand

BP CEO calls for cuts to carbon emissions
If you’re bullish on oil, these stocks are buys

Which of Europe’s Piigs might fly?
Which of Europe’s Piigs might fly?


The 10 toughest investment decisions

Bass issues warning on China’s foreign cash reserves
What’s holding back the world economy?
China's FX reserves drop $99.47 bln


Yellen: Fed isn’t sure negative rates are legal
Yellen doesn’t expect to reverse Fed rate hike
Yellen gets into heated exchange at hearing
Bond market, Yellen face off on negative rates

Will falling oil prices bankrupt Saudis, Russians?
Cheap oil may make OPEC dominant again
As oil revenue drops, Gulf states ponder taxes
Will oil get so cheap, it won’t pay to extract it?

Christie, Fiorina drop out of presidential race

A break for zombie-fighting Amazon developers
Why Apple, Amazon, Starbucks are successful
Amazon up after new share buyback plan

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

REIT bonus targets at heart of Brixmor scandal

Private-equity firms now buying back their own shares

Has college financial aid totally backfired?

Michael Moore: Imagine life without student debt
6 ways Obama would make college affordable

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Is it wise to hold on to cash reserves?

/conga/frontpage.html 367693

Markets »

122.29MDow Volume:
Avg Vol: 131.80M
Unchanged
201
Decliners
3048
Advancers
3255
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,915 -100 0.62%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 +15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 0 0.02%
GlobalDow
/quotes/zigman/629063/realtime 2,059 -21 0.99%
Gold
/quotes/zigman/33772884/delayed 1,235 +40 3.38%
Oil
/quotes/zigman/2260836/delayed 26.59 -0.86 3.13%
FTSE 100
/quotes/zigman/3173262/delayed 5,557 -116 2.04%
DAX
/quotes/zigman/2380246/delayed 8,811 -206 2.28%
CAC 40
/quotes/zigman/3173214/delayed 3,922 -139 3.42%
FTSE MIB
/quotes/zigman/1482176/delayed 15,903 -811 4.85%
IBEX 35
/quotes/zigman/2759620/delayed 7,845 -298 3.66%
Stoxx 600
/quotes/zigman/2380150/delayed 305 -10 3.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,437 -17 0.68%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 18,546 -742 3.85%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,952 -807 3.40%
Singapore
/quotes/zigman/1709939/delayed 2,538 -44 1.70%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.00 0.31%
Yen
/quotes/zigman/16008150/realtime/sampled 112.18 -1.17 1.03%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 -0.01 0.90%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.44%
DXY Index
/quotes/zigman/1652083/delayed 95.65 -0.17 0.18%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.84 -0.04 0.05%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.56 -0.11 6.33%
German 10y
/quotes/zigman/15866409/realtime 0.16 -0.09 34.94%
Italy 10yr
/quotes/zigman/15866497/realtime 1.74 +0.10 5.85%
Spain 10yr
/quotes/zigman/15866444/realtime 1.80 +0.08 4.44%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.25 -0.16 11.37%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 0.00 0.00%
Crude Oil
/quotes/zigman/2260836/delayed 27 -1 3.13%
Gold
/quotes/zigman/33772884/delayed 1,235 +40 3.38%
Corn
/quotes/zigman/25518691/delayed 360 0 0.07%
DJIA F
/quotes/zigman/48241424/delayed 15,604 -262 1.65%
S&P F
/quotes/zigman/43106711/delayed 1,816 -31 1.65%
Silver
/quotes/zigman/32655632/delayed 16 +0 2.15%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 101.00 1.46 1.47%
AAPL /quotes/zigman/68270/composite 94.27 -0.72 -0.76%
GOOG /quotes/zigman/59527964/composite 684.12 6.01 0.89%
BAC /quotes/zigman/190927/composite 11.98 -0.22 -1.80%
C /quotes/zigman/5065548/composite 37.41 -0.10 -0.27%
F /quotes/zigman/264304/composite 11.34 -0.01 -0.09%
T /quotes/zigman/398198/composite 36.43 -0.22 -0.60%
BP /quotes/zigman/247026/composite 28.04 -0.31 -1.09%
GE /quotes/zigman/227468/composite 28.30 0.02 0.07%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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SmartMoney Blogs

Encore
A blog about living in and planning for retirement

10 Questions to Ask Before Enrolling in a Medicare Plan

Medicare open enrollment begins tomorrow, and as many of us know, that means a dizzying array of choices for seniors, especially when it comes to selecting a good Medicare Advantage program. (This program is also known as a “Medicare private health plan” and is just Medicare offered through a private insurance company.) It might not be anyone’s idea of fun to pick apart these plans, but it can save you a ton of money, experts say.

“While reviewing your options, you may be attracted to low-cost drug plans or Medicare Advantage plans, but it is very important to read the fine print,” writes Joe Baker, president of the Medicare Rights Center. “Depending on your health status and the plan’s rules and restrictions, you may discover that the low-cost plan will actually cost you more than a plan with a higher premium.”

To help seniors sort out which Medicare Advantage plans might save them money while also giving them the best benefits, the Medicare Rights Center has developed a list of questions seniors should ask before enrolling in a plan.  Here are some of the key items from their list:

  1. Will I be able to use my doctors? Are they in the plan’s network and are they taking new patients who have this plan?
  2. Which specialists, hospitals, home health agencies and skilled nursing facilities are in the plan’s network?
  3. How much is my monthly premium?
  4. How much will it cost to see my primary care physician? A specialist?
  5. Are my prescription drugs on the plan’s formulary (list of covered drugs)?
  6. Does the plan require that I get “prior authorization” before my prescription will be covered, or impose other restrictions (like limiting the quantity or requiring that I try a cheaper medication before it will cover a more expensive one)?
  7. How much will I have to pay out of pocket before coverage starts (what is the deductible)?
  8. How much will I pay for brand-name drugs? How much for generic drugs?
  9. What service area does the plan cover?
  10. What kind of coverage do I get if I travel outside of the service area?

For a complete list of questions and additional guidelines of choosing a Medicare Advantage plan, click here.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (1 of 1)

View all Comments »
    • The deadline for next year only pertains to Medicare Advantage and Part D Prescription Plans.  If you have a Medicare Supplement, you don’t have to do anything if you are happy with it. 

      The most overlooked fact relating to Medicare Supplements is the fact that all of the plans are standardized by the Center for Medicare and Medicade Services. What this means for the consumer is that they are comparing apples with apples.  For example, all Plan Fs regardless of the insurance carrier cover the same gaps in original Medicare.  The only difference between the various insurance carriers Plan F’s is the price, customer service, and stability of premiums.  I have seen the same plan offered by competing carriers vary in price by as much as $75 per month.  On the other hand it is hard to find two Medicare Advantage plans, or Part D Prescription plans that are alike.

      A very useful website that can help you with your decision is http://www.MedicareAnswersUSA.com . At this site you can research premiums for various plans from major carriers.  There is also an online program that will help you decide which plan is best for you.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News

New York Markets Open in:

Futures: /quotes/zigman/43106711/delayed S&P 500 -1.7% /quotes/zigman/48241424/delayed DOW -1.7% /quotes/zigman/43108768/delayed NASDAQ -1.9%

need to know
Avon reports wider-than-expected loss
PepsiCo profit up 31% to top estimates
SNB chairman won’t rule out further rate cuts
Sweden cuts interest rate further below zero
European stocks knocked to lowest since 2013
FTSE 100 hits lowest level since 2012
SocGen profit up on Amundi stake sale
Dollar at lowest vs. yen since late 2014
Shell cancels $14.4 billion bridge credit facility
Hong Kong stocks dive as selloff kicks in
U.S. government runs $55 bln budget surplus

The greatest bull market of all time probably isn’t what you think it is
Greatest bull market ever likely isn’t what you think

Howard Gold: The 5 worst investment calls of this century
The 5 worst investment calls of this century

Chuck Jaffe: It’s time for these trendy mutual funds and ETFs to put up or shut up
Time for trendy ETFs, funds to put up or shut up

Rio Tinto swings to loss, drops dividend policy
Total narrows loss on fewer write-downs
Glencore copper, zinc output falls on cutbacks


Twitter proves Wall Street critics were right
Twitter adds new timeline feature

FBI closes in on Oregon holdouts


North Korea reportedly executes top general

India to pick up China’s slack in oil demand

BP CEO calls for cuts to carbon emissions
If you’re bullish on oil, these stocks are buys

Which of Europe’s Piigs might fly?
Which of Europe’s Piigs might fly?


The 10 toughest investment decisions

Bass issues warning on China’s foreign cash reserves
What’s holding back the world economy?
China's FX reserves drop $99.47 bln


Yellen: Fed isn’t sure negative rates are legal
Yellen doesn’t expect to reverse Fed rate hike
Yellen gets into heated exchange at hearing
Bond market, Yellen face off on negative rates

Will falling oil prices bankrupt Saudis, Russians?
Cheap oil may make OPEC dominant again
As oil revenue drops, Gulf states ponder taxes
Will oil get so cheap, it won’t pay to extract it?

Christie, Fiorina drop out of presidential race

A break for zombie-fighting Amazon developers
Why Apple, Amazon, Starbucks are successful
Amazon up after new share buyback plan

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

REIT bonus targets at heart of Brixmor scandal

Private-equity firms now buying back their own shares

Has college financial aid totally backfired?

Michael Moore: Imagine life without student debt
6 ways Obama would make college affordable

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Is it wise to hold on to cash reserves?

/conga/frontpage.html 367693

Markets »

122.29MDow Volume:
Avg Vol: 131.80M
Unchanged
201
Decliners
3048
Advancers
3255
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,915 -100 0.62%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 +15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 0 0.02%
GlobalDow
/quotes/zigman/629063/realtime 2,059 -20 0.99%
Gold
/quotes/zigman/33772884/delayed 1,235 +40 3.34%
Oil
/quotes/zigman/2260836/delayed 26.60 -0.85 3.10%
FTSE 100
/quotes/zigman/3173262/delayed 5,560 -113 1.99%
DAX
/quotes/zigman/2380246/delayed 8,816 -201 2.23%
CAC 40
/quotes/zigman/3173214/delayed 3,922 -139 3.42%
FTSE MIB
/quotes/zigman/1482176/delayed 15,912 -802 4.80%
IBEX 35
/quotes/zigman/2759620/delayed 7,847 -297 3.64%
Stoxx 600
/quotes/zigman/2380150/delayed 305 -10 3.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,437 -17 0.68%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 18,546 -742 3.85%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,952 -807 3.40%
Singapore
/quotes/zigman/1709939/delayed 2,538 -44 1.70%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.00 0.31%
Yen
/quotes/zigman/16008150/realtime/sampled 112.18 -1.17 1.03%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 -0.01 0.90%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.44%
DXY Index
/quotes/zigman/1652083/delayed 95.66 -0.16 0.17%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.84 -0.04 0.05%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.56 -0.11 6.33%
German 10y
/quotes/zigman/15866409/realtime 0.16 -0.09 34.94%
Italy 10yr
/quotes/zigman/15866497/realtime 1.74 +0.10 5.85%
Spain 10yr
/quotes/zigman/15866444/realtime 1.80 +0.08 4.44%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.25 -0.16 11.37%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 0.00 0.00%
Crude Oil
/quotes/zigman/2260836/delayed 27 -1 3.10%
Gold
/quotes/zigman/33772884/delayed 1,235 +40 3.34%
Corn
/quotes/zigman/25518691/delayed 360 0 0.07%
DJIA F
/quotes/zigman/48241424/delayed 15,604 -262 1.65%
S&P F
/quotes/zigman/43106711/delayed 1,817 -30 1.62%
Silver
/quotes/zigman/32655632/delayed 16 +0 2.15%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 101.00 1.46 1.47%
AAPL /quotes/zigman/68270/composite 94.27 -0.72 -0.76%
GOOG /quotes/zigman/59527964/composite 684.12 6.01 0.89%
BAC /quotes/zigman/190927/composite 11.98 -0.22 -1.80%
C /quotes/zigman/5065548/composite 37.41 -0.10 -0.27%
F /quotes/zigman/264304/composite 11.34 -0.01 -0.09%
T /quotes/zigman/398198/composite 36.43 -0.22 -0.60%
BP /quotes/zigman/247026/composite 28.04 -0.31 -1.09%
GE /quotes/zigman/227468/composite 28.30 0.02 0.07%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

Top 3 from Barron's

Today's list of the most-viewed stories from Barron's. More »

  1. 1.
  2. 2.
  3. 3.

Visit Barrons.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/714403/composite SPY-0.09%
  • /quotes/zigman/41663/composite GLD+0.77%
  • /quotes/zigman/118681/composite TSLA-3.09%
  • /quotes/zigman/3059264/composite DUST-6.14%
  • /quotes/zigman/23556538/composite TWTR+4.03%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
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