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Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review March 10, 2008 / 3 Adar II 5768

Confused about post-retirement health-insurance options, including Medicare

By Jan L. Warner & Jan Collins


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http://www.JewishWorldReview.com | Q: My husband and I are in the first wave of Baby Boomers who will turn 62 later this year. We have decided to apply for Social Security as soon as we celebrate our respective birthdays, but we're worried about health insurance coverage because that ends for us both when we leave our jobs later this year. Friends have told us we can get Medicare at 62 as well as Social Security. Is this correct?


A: Based on our research, you and your friends are not alone in being confused about post-retirement health-insurance options, including eligibility for Medicare, which is the federally funded health-insurance program available to Americans who are 65 years of age and older, regardless of their eligibility for Social Security retirement benefits.


While you and your husband can apply for Social Security benefits at age 62 — albeit reduced benefits because full benefits for your cohort don't kick in until age 66 — Medicare eligibility for those of us who are not determined to be disabled doesn't begin until we reach age 65.


In fact, according to a recent national survey of 377 Baby Boomers by the National Association of Insurance Commissioners (NAIC), only 36 percent of the respondents knew that Medicare eligibility begins at age 65. Twenty-one percent thought Medicare coverage began at age 62; 9 percent said age 67; 6 percent said age 59-1/2, and 28 percent said they were unsure.


The Kansas City-based organization of chief insurance regulatory officials in the 50 states said their survey also found:


  • A large majority of Boomers — 84 percent — said that access to health insurance was important when choosing a retirement date, but, paradoxically, only 43 percent said that Medicare eligibility was an important factor in determining when they would retire. — Nearly half — 48 percent — said they expected to use Medicare coverage to cover their health care needs during retirement. This number increased to 57 percent among older Boomers, those 55 to 62 years of age.

    "Clearly, there is much confusion among Baby Boomers regarding their future access to Medicare," says NAIC President and Kansas Insurance Commissioner Sandy Praeger. "Many Boomers incorrectly think Medicare coverage is available at age 62, when they initially become eligible for Social Security benefits. With growing concerns about health insurance costs and access, these aging members of our society need to be better educated about Medicare's timing and entitlement so they can make informed retirement decisions."

    We want you and all of our readers to visit the federal government's excellent Web site (www.medicare.gov) to learn more about Medicare rules and regulations.

    NAIC also has a public-education program, "Insure U — Get Smart About Insurance," which you and our other readers should also find helpful. Among the program's tips about health insurance and retirement:

  • Plan ahead for your retirement health-insurance needs.

  • If you plan to retire before age 65 and are not eligible for Medicare, check to see whether you're eligible for COBRA, which entitles you to continue your employer's health-insurance coverage for up to 18 months.

  • If you're not eligible for COBRA, consider a catastrophic or high-deductible medical plan. Keep in mind that people with serious pre-existing health problems typically can't get catastrophic health insurance.

  • Before you become eligible for Medicare, you might want to consider purchasing a major medical plan to cover doctors' visits, drugs and hospital care.

  • Take time when researching individual health-insurance plans to learn what kinds of policies will provide the coverage you need, then pick the one best for you. Shop around and ask a lot of questions. To avoid purchasing a fraudulent health-insurance plan, call your state insurance department and find out whether the insurance agent and company are licensed in your state.

  • Be wary of health discount cards. Discount cards are not insurance.

  • Consider purchasing long-term-care coverage, although be aware that this is not for everyone. Be wary of advertising that suggests Medicare is associated with a long-term-care policy. Medicare does not endorse or sell long-term-care insurance. For more information on these and other NAIC tips on health insurance and retirement, go to www.insureuonline.org.

Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

JAN L. WARNER received his A.B. and J.D. degrees from the University of South Carolina and earned a Master of Legal Letters (L.L.M.) in Taxation from the Emory University School of Law in Atlanta, Georgia. He is a frequent lecturer at legal education and public information programs throughout the United States. His articles have been published in national and state legal publications. Jan Collins began co-authoring Flying SoloŽ in 1989. She has more than 27 years of experience as a journalist, writer, and editor. To comment or ask a question, please click here.

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