Two man who are in the business of buying second hand clothing for Harare’s busy “Mabhero” market were last month robbed of over US$100 000 under very dramatic circumstances involving a police detective.
The detective with the Criminal Investigation Department (CID), Richard Majone (36) and his co-accused Philip Tambaoga (32) were in court last week on charges of robbing the two men of US$130 000 at a fake roadblock in Harare City Centre.
Harare magistrate Judith Taruvinga remanded the pair in custody to October 15 and advised them to apply for bail at the High Court due to the gravity of the charges against them.
According to the court record, the two who were in the company of four others who are still on the run, hatched a plan to rob the two known Mabhero buyers on their way out of town to Mozambique for their routine business.
The six, with two of them in police uniforms, took guts to mount an illegal police roadblock at the busy intersection of Robert Mugabe Road and Samora Machel Avenue merging into Mutare Road in Msasa where they stopped the taxi hired by the complainant and his friend.
The accussed gang harassed the taxi driver and his passengers in a manner local police officers would normally do before eventually taking charge of the car with the driver bundled into the back seat. They drove away to a secluded spot down the road where they allegedly took a black bag with the loot and made their escape in a black Honda Fit.
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rnMedicare Advantage plans, Medicare Part C, best Medicare Advantage plans, Medicare Advantage coverage, Medicare Advantage cost, Medicare HMO, Medicare PPO
rnrnMedicare Advantage plans are one of the most popular Medicare coverage choices. They are also one of the most misunderstood.
rnrnA Medicare Advantage plan, also called Part C, is an alternative way to receive Medicare benefits. These plans are offered by private insurance companies approved by Medicare.
rnrnMedicare explains that Medicare Advantage plans provide Part A and Part B benefits, and they are generally offered by private companies that contract with Medicare.
rnrnMedicare Advantage plans must provide Medicare Part A and Part B benefits. Many plans also include prescription drug coverage, often called MAPD coverage.
rnrnSome plans may also offer extra benefits, depending on the plan and service area.
rnrnThese may include:
rnrnDental
rnVision
rnHearing
rnFitness benefits
rnOver-the-counter allowance
rnTransportation
rnWellness programs
rnMeal benefits after hospital stays
Benefits vary. Always read the plan documents.
rnrnMedicare lists several types of Medicare Advantage plans, including HMO, PPO, PFFS, SNP, and MSA plans.
rnrnHealth Maintenance Organization plans usually require you to use network providers, except in emergencies. You may need referrals for specialists.
rnrnPreferred Provider Organization plans usually give more flexibility than HMOs. You may pay less in network and more out of network.
rnrnSpecial Needs Plans are designed for people with certain diseases, specific care needs, or certain financial situations.
rnrnPrivate Fee-for-Service plans determine how much they pay providers and how much you pay when receiving care.
rnrnMedical Savings Account plans combine a high-deductible plan with a medical savings account.
rnrnCosts vary by plan and location.
rnrnYou may pay:
rnrnMonthly premium
rnPart B premium
rnDeductible
rnPrimary care copay
rnSpecialist copay
rnHospital copay
rnDrug copays
rnCoinsurance
rnOut-of-network costs
rnMaximum out-of-pocket amount
A $0 premium plan does not mean free health care. You may still have copays, coinsurance, drug costs, and network rules.
rnrnProvider networks are one of the biggest Medicare Advantage issues.
rnrnBefore enrolling, confirm:
rnrnYour primary doctor accepts the plan
rnYour specialists are in network
rnYour preferred hospital is covered
rnYour pharmacy is preferred
rnYour medications are covered
rnYou understand referral rules
Do not rely only on old provider lists. Confirm directly with the provider and the plan.
rnrnMany Medicare Advantage plans include Part D drug coverage.
rnrnCheck:
rnrnMedication formulary
rnDrug tier
rnPreferred pharmacies
rnMail-order pricing
rnPrior authorization
rnStep therapy
rnCoverage restrictions
Medicare Part D helps pay for brand-name and generic drugs, but coverage details vary by plan.
rnrnPotential advantages include:
rnrnBundled coverage
rnPossible drug coverage included
rnExtra benefits
rnAnnual out-of-pocket limit
rnCoordinated care
rnLower monthly premium options
rnLocal plan support
Potential disadvantages include:
rnrnProvider networks
rnPrior authorization
rnReferral rules
rnOut-of-network costs
rnPlan changes each year
rnLimited travel flexibility
rnDifferent rules by county
A plan that works well for one person may not work well for another.
rnrnMedicare Advantage may be attractive for people who:
rnrnWant bundled coverage
rnUse doctors in the plan network
rnPrefer lower monthly premiums
rnWant dental, vision, or hearing extras
rnDo not travel often for care
rnAre comfortable with plan rules
Compare carefully if you:
rnrnTravel frequently
rnUse many specialists
rnHave expensive medications
rnNeed out-of-network flexibility
rnReceive care across multiple states
rnHave complex medical conditions
rnPrefer Original Medicare provider access
Medicare Advantage plans can be a good fit for many people, but you must compare carefully.
rnrnDo not choose based only on premium or extra benefits. Check doctors, hospitals, prescriptions, referrals, out-of-pocket limits, and plan rules.
rnrnThe right Medicare Advantage plan should match your real health care life.
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