In one sentence, describe what the following article is about: The two most popular public insurance programs are Medicaid and Medicare. Each of these plans is different and is geared to different populations.    Medicaid. Historically, Medicaid has been a public insurance plan for certain groups of people, such as the disabled who do not work and low-income people with dependent children. With the passage of the ACA, states were given the option of expanding Medicaid to cover all people with incomes up to 138% of the federal poverty level, regardless of whether they have a disability or children. Not every state, however, has chosen to expand its Medicaid program. You should check with your state’s Department of Human Services.  Children’s Health Insurance Program (CHIP). A health program for children that is provided through Medicaid and separate CHIP programs. The program is jointly funded by the federal and state governments.   Medicare. Medicare is health insurance available for people who have paid into the Medicare system through payroll taxes. You will qualify for Medicare if you are age 65 or older. Generally, you must work for at least 10 years, paying into the system during that time. If your state expanded Medicaid and you meet the income eligibility limits, then your name will be forwarded to your state’s Medicaid office when you apply for health insurance on the ACA exchanges. To apply for Medicare, you can do the following:  Go through the checklist available at http://www.socialsecurity.gov/hlp/isba/10/isba-checklist.pdf to make sure that you have all the information that you will need. Apply online. It takes 10 minutes to apply online. Visit the Social Security Administration at https://secure.ssa.gov/iClaim/rib and answer the questions when prompted. Enrollment for CHIP is year-round. To apply, you should visit your state’s Medicaid agency or call 1-877-543-7669. You can find the state agency to contact by looking at this list of states provided by the Insured Kids Now website at https://www.insurekidsnow.gov/coverage/index.html. Medicare has many different parts, some of which you must pay a premium for and others for which you don’t. Additionally, you may need to shop for policies to supplement Medicaid.   Medicare Part A generally covers hospital or nursing-facility care, hospice, and home health care. There is no premium.  Medicare Part B covers medically necessary services that diagnose or treat a medical condition and preventive services. Most people have to pay a monthly premium, which averages around $100.  Prescription Drug coverage. If you want prescription drug coverage under Medicare, then you must purchase a separate plan. You can do so either through a private insurer or a Medicare-approved private company. If you want to purchase a prescription drug policy, then you will need to research different plans. Plans tend to differ according to the medications they provide; not all prescription plans will pay for any prescription. Accordingly, you should gather your medications and write them all down. Then, you will search for a prescription drug plan that covers these drugs.  To find a prescription drug plan, you can visit the Medicare Plan Finder at https://www.medicare.gov/find-a-plan/questions/home.aspx. You will be prompted to enter your zip code. You must then answer a variety of questions about the Medicare coverage you currently have, including any prescription plan. Then you will be prompted to enter in a list of all of your drugs. If you have a large number of medical expenses, then Medicare alone can leave you with substantial out-of-pocket costs. Therefore, Medicare allows you to purchase a supplemental insurance plan. These plans can help reduce copayments, coinsurance, and deductibles. In order to buy a supplemental insurance plan (also called a “Medigap” policy), you must also have Medicare Parts A and B.  To find a supplemental policy, visit the Medicare website at https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx. You must enter your zip code, your health status (excellent, good, poor), and whether you have a Medigap policy currently. You will then be able to browse a list of policies: Medigap Policy A, Medigap Policy B, etc. The information includes the monthly premium range, estimated annual cost, and benefits offered.  You can then click on “View companies” to see a list of companies offering each type of policy. You will then be provided phone numbers and websites for the companies so that you can contact them.
Summary: Find the requirements for your state. Apply for public health insurance. Apply for CHIP. Understand the structure of Medicare. Research prescription drug plans. Search for supplemental insurance.

Problem: Article: If you want to be more daring, this usually means taking some risks. Figure out how you want to be more daring and then set attainable goals for yourself.  Use the SMART method as a guideline for your goals. SMART stands for: specific, measurable, attainable, realistic, timely. For example, maybe you want to try paragliding. Your goal might be “I want to get over my fear of heights so that I can enjoy the view from above. I’ll work on getting used to being in higher buildings and looking out so that I can celebrate my next birthday by paragliding with a partner.”  Put your goals on paper to reinforces them. Update your goals whenever you meet them. Consider reevaluating your goals at regular intervals to ensure they’re still attainable. Make sure that your desire to be more daring is within the realm of the realistic for you. This can keep you from not reaching your goals, which in turn might undermine your confidence and willingness to be daring. See if your goals are realistic by talking to others or researching them. For example, if you want to be a gymnast but are a bit older, it may be difficult to get to the Olympics. But that doesn’t mean that you can’t enjoy gymnastics classes or competitions. Any time you try something new, you’re being daring because there’s a chance you may not enjoy it or fail at it. Trying new activities or having different experiences whenever you can not only makes you more daring, but it can also boost your confidence and help you be more outgoing with others.  Keep an open mind to anything you haven’t tried yet. For example, if a friend invites you to try a new cuisine, don’t hesitate going. Chances are, you may find something you like and even if you don’t, you can say that you tried it. Participate in new or different activities. Get out of your comfort zone and join a club or try changing up your routine. For example, maybe you run every day but would like to jazz up your workout. You could try out Crossfit or another sport such as yoga, both of which can challenge you in different ways than running. Rise above your fears. Any time you try something new, there may be an element of fear to it. Take a deep breath and reassure yourself that this is good for you. Every individual experiences change in their life at some point. Many times, the change involves having courage or being more daring in your life. Welcome change whenever it comes your way, which can help you more readily take risks in the future.  Remember that you are capable of handling anything life throws your way. This can give you the confidence to persevere. When in doubt, take a step back, relax, and let go. Take small steps to accept the changes in your life. Breaking up change into manageable pieces can make it easier to embrace and may make you more willing to take risks related to it. Just like change, failure happens to most people. But how you deal with that failure can make you more daring and confident. Keep moving forward because many risk-takers experience setbacks before finding success.  Figure out what caused your failure and apply this for future success. For example, if the design of your Smartphone app didn’t catch on, read comments and make tweaks to a new design based on the feedback. Ask for help whenever and wherever you need it. Not only can this help you be more daring in the future, but simply asking for help can help you be more outgoing, too.
Summary:
Set goals for yourself. Have realistic expectations. Try new experiences. Embrace changes. Accept failure.