#this is as thorough and unbiased of a breakdown as I can give

[heeroyue]

I'll preface this with we don't know officially at time of writing if she's being stripped of her medal yet. I'm gonna assume you don't know the ins and outs of gymnastics rules and scoring (which can be complicated as hell and have gotten somewhat mixed up the last few days). I will explain to the best of my ability what has happened over the last five days.

So for back story, with Jordan's original score the placements were 3rd Ana Barbosu 13.700, 4th Sabrina Voinea 13.700 (lost a tie break), 5th Jordan Chiles 13.666. However, one of the leaps that Jordan does didn't get credit in her difficulty score (D score). Gymnasts (and their coaches) are allowed to submit an inquiry for D score, time violations, and line violations (out of bounds). Jordan hasn't gotten credit for one of her leaps for the entirety of the games because it's iffy on if she gets the rotation around enough to count (must be withing 30 degrees of complete and if not gets credited as a lower value skill). however in the floor final her coach thought she did it a lot better and so put in an inquiry to raise her D score. The superior jury accepted the inquiry and credited the intended skill raising her score by .1. So now we have the placements of 3rd Jordan Chiles 13.766 USA , 4th Ana Barbosu 13.700 Romania, 5th Sabrina Voinea 13.700 Romania.

Now on to what happened today. The Romanian gymnastics federation brought an appeal to the Court of Arbitration for Sport (CAS) about the final. They contested two things. First, that Voinea had an unearned OoB deduction that cost her the bronze. Second, that the inquiry for Jordan was submitted after the time limit allowed and so shouldn't have been accepted in the first place.

For the first, while Voinea's coach did submit an inquiry during the competition she did so about the D score and not the OoB and the inquiry was denied. Since she didn't take the proper steps to fix the issue and the issue was considered a field of play decision CAS threw that complaint out.

That leaves us at the second, Jordan's inquiry being in too late and should not have been accepted. So in an event final each gymnast has until the next routine is complete to submit an inquiry. routines are 90 seconds. However, Jordan was the last gymnast to perform in the final and the rules say the last gymnast has 60 seconds to inquire. There was apparently video evidence of Jordan's inquiry being submitted at 64 seconds so her inquiry should not have been accepted by the superior jury. CAS ruled that the FIG (International Gymnastics Federation) didn't follow their own rules and wrongly accepted the inquiry. They ruled the inquiry overturned and Jordan's original score reinstated putting her back in 5th. The FIG was required to change the standings and now it goes to them and the IOC as to what to do about medals.

The IOC now has two options. 1) make Jordan give back the medal and give it to Ana. 2) award a second bronze medal. In the past when there's been judging scandals the IOC has gone with awarding 2 medals (thinking figure skating in 2002(?) I think) because the athlete not being at fault. From what wikipedia says (the best list I can find of all medals stripped from athletes) only 11 medals have every been stripped for something other than doping and of those 11 all have been for something the athlete was at fault for (under age, unsportsmanlike like conduct, violating the old amateurism policy, ect.) If they choose to go the medal stripping route this would be the first time (at least that I'm able to find) that an athlete would be stripped of a medal for something not in their control.

From here it's speculation for now as to what will happen. Rumor has it that USA Gymnastics and the Romanian Gymnastics Federation agreed to share the bronze but the FIG and IOC denied the request. However, as of time of writing we don't officially know that to be the case.

Let us all be clear here, none of this is the fault of the athletes, their coaches, or their national federations. The athletes did their best in the competition. The coaches and national federations have every right to advocate and fight for their athletes. The blame here lies solely on judging and the superior jury made up of the Women's Technical Committee.

explain to me like i’m five why taking away jordan chiles medal five days late makes sense

[bradeninsurance]

Medicare Supplement Insurance: Finding The Best Medigap Plan For You

The pocketbook is almost always the bottom line, especially in your retirement years. With so many aspects of Medicare, it’s impossible to keep straight on what’s covered, what’s not, and how much it’ll end up costing you in the end. Medicare supplement insurance is available to fill the gaps left behind from Medicare. Within these supplement plans, there are a myriad of options to choose from, so how do you know what’s right for you? Our Medicare advisors will break it down and make it simple so you get what you need without overpaying.

What is a Medicare Supplement Plan?

Medicare supplement plans are also referred to as “Medigap” or “Medsup” policies. Many Medicare eligible individuals choose to add a supplement plan to their Original Medicare plan to help offset their out of pocket costs for copayments, coinsurance, and deductibles. 

Unlike Original Medicare, which is provided by the government, Medicare supplement insurance is provided by private insurance companies. This can make individual plan costs and coverage vary from company to company in Louisville, KY. 

There are ten standard Medicare supplement insurance plans currently available: A, B, C, D, F, G, K, L, M, N. Because Medicare is a state-issued program, not all plans are available in every state, however residents of Kentucky are fortunate to have access to all ten options. The plans are lettered for convenience, but the letters have no relationship to the letters of Medicare Part A, B, C, and D.

Who is eligible for Medicare supplement plans? 

To be eligible for a Medicare supplement insurance, you first have to be enrolled in Original Medicare Part A and Part B and a citizen of the United States or permanent legal resident for at least five continuous years. In addition, you must meet at least one of the following requirements:

Age 65 and older

Diagnosed with end stage renal disease (ESRD – permanent kidney failure requiring dialysis or transplant)

Receiving disability benefits from the Social Security Administration or the Railroad Retirement Board

Diagnosed with Lou Gehrig’s disease (ALS)

What is the difference between Medicare Advantage and Medicare Supplements?

Medicare Advantage and Medicare supplements are both ways you can enhance your Original Medicare coverage through private insurance companies. That’s where the similarities end. They are very different in their costs, coverage, and function. 

You cannot enroll in both Medicare Advantage and Medicare supplement insurance. This is why it’s important to know the difference and make the best choice for you. 

Medicare Advantage

Medicare Advantage completely replaces Original Medicare with more thorough coverage. It is still part of the Medicare program, but it is provided through private insurance companies, not the government. It includes all of your medical and hospital costs as well as additional benefits such as dental, vision and hearing. However, Medicare Advantage does not provide coverage for hospice care (while Original Medicare does). 

Medicare Advantage insurance plans typically require a monthly premium payment, annual deductible, coinsurance, and copayments. To enroll in Medicare Advantage, you must first sign up for Original Medicare Part A and Part B and then switch during the Disenrollment Period. 

Medicare Supplement Policies

Medicare Supplement insurance complements Original Medicare, it is not comprehensive medical coverage. It is often referred to as Medigap insurance, and is designed as a secondary insurance to your coinsurance, copayment, and deductible costs.

There are 10 standard plan types, and each one offers different benefits. Some may offer international insurance coverage, others may offer coverage specifically for blood transfusions, or specifically for skilled nursing facility care. Every Medigap plan covers up to one year of Medicare Part A coinsurance and hospital costs after Medicare benefits are used up. 

While benefits are standardized across the ten plans, the costs are not, meaning they could fluctuate depending on the private insurance company offering the plan and the state you live in.

You can choose Medicare Supplement insurance or Medicare Advantage, but you can’t have both. This is why it’s important to research all of your options carefully before deciding which is the best option for your health needs and budget.

The best way to decide is to talk to a licensed Medicare insurance agent. The independent Medicare agents at Braden Insurance Agency are always available to give free, unbiased Medicare advice. Give us a call today to set up your Medicare consultation.

What Does a Medicare Supplement Plan Cover?

While all Medicare supplement plans provide an additional 365 days of hospital care during your lifetime, each of the 10 options is unique and cover a different aspect of your healthcare.

All supplemental plans provide coverage across the United States, regardless of the state you live or the state where you purchased the plan. However, only a specific international supplement will provide coverage outside of the United States.

The 10 options for supplemental plan coverage include the following:

Part A deductibles

Part B deductibles

Coinsurance and providers’ excess charges

Cost of blood transfusions

Cost of additional hospital days after you have used up your Part A benefits

Hospital and skilled nursing facility coinsurance

Some preventive care benefits

Foreign emergency medical benefits

Some drugs the provider must give you

Out-of-pocket limit

For a specific list of what each plan covers, read our article about Medicare Supplement Plans.

  What Medicare Supplements Don't Cover

In general, Medicare Supplement insurance is a cost-sharing program, and does not provide additional medical conditions. It is designed to help you pay for the coverage provided by Medicare, not to add additional coverage. Medicare Supplement insurance does not cover any of the following:

long term care (like nursing home care)

routine vision

dental care (unless incurred during hospitalization)

hearing care

hearing aids

eyeglasses

How Much Do Medicare Supplement Plans Cost?

Medicare Supplement insurance is offered through private companies. This means the costs can vary depending on your location within Louisville, KY and the company. Each of the Medigap Insurance plans will have a different monthly premium.

To give you a ballpark of what you could be paying monthly, here is a chart of the average monthly prices for each plan.

Medigap PlanAverage Monthly PremiumA$360B$449C$347D$299F$326G$290K$129L$236M$361N$210

If you would like a more comprehensive price breakdown of each plans’ cost, schedule a Medicare supplement consultation with one of the independent agents at Braden Insurance Agency. We provide free, unbiased advice so you get the best plan for you.

When Can I Sign Up for a Medicare Supplement Plan?

You can enroll in Medicare Supplement insurance during the Medicare Supplement Open Enrollment Period. This begins the first month that you are age 65 or older and enrolled in Medicare Part B. The Supplement Open Enrollment Period lasts for 6 months and guarantees your right to buy a plan during this time. The insurer cannot deny you coverage based on your medical history or current health if you apply during this period. 

If you miss the open enrollment period, you may still apply for Medicare supplement insurance but if it’s outside of the Open Enrollment Period you could be denied coverage or charged a higher premium based on your health history.

We Are Your Medicare Supplement Independent Agents

We know deciding on a Medicare Supplement insurance policy can be daunting. Don’t let it scare you. The independent Medicare agents at Braden Insurance Agency in Louisville, KY represent several different insurance companies to ensure you understand your options and get the coverage you need. Some of these companies include…

Humana

Aetna

United Healthcare

Anthem

Cigna

and more!

Call us today to schedule a no-pressure consultation where you will get free, unbiased advice. We are here for you.

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