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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 Nov. 14, 2005 / 12 Mar-Cheshvan, 5766

More lessons in understanding Medicare Part D

By Jan L. Warner & Jan Collins


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http://www.JewishWorldReview.com | Last week, we began an explanation to help simplify the "Medicare Part D Process" for our readers. Here is the second installment of our effort to demystify Medicare's new prescription-drug benefit plan:

Those of you who are Medicare beneficiaries and have prescription coverage through your former employer, union or another organization should have received written communications by now telling you whether your current plan will continue and, if so, how it compares to plans available under Medicare Part D.

As a Medicare beneficiary, you are entitled to choose one of the Medicare D-approved plans available in your area. In reviewing your choices, you may want to consider a Medicare Advantage plan that — unlike Part D, which offers only prescription coverage — combines all health benefits into a single policy. Be aware, though, that Medicare Advantage plans might not be available everywhere and might not include your preferred physician or medical facility.

Because there could be a dozen or more Medicare-approved prescription plans available in your locale, it is important to understand what you will receive for your premium dollar. Much like purchasing homeowners, automobile and long-term care insurance, you can choose an approved plan that meets your needs and your pocketbook.

Medicare Part D is an outpatient prescription-drug benefit that requires you to pay a premium each month, along with a deductible and co-insurance. Part D also has a coverage gap that you must fund yourself. Your premium will vary depending on the plan you choose.

Like your other insurance, you will have the opportunity to choose your deductibles and co-pays that, in turn, will be reflected in the amount of your premium. The more you want covered, the higher your premium will be.

If you purchase a "standard plan," in addition to paying your premium you will pay the first $250 for your prescriptions (this is your deductible) before your plan will begin to pay for medications.

After spending that first $250, your plan will pay 75 percent of your prescription costs until your total prescription expenditures reach $2,250. Then you will be completely responsible for payment of the next $2,850 in prescription costs — called the "doughnut hole" because you get no help here. But when your total drug costs reach $5,100 for that year, your plan will pay 95 percent of the prescription costs covered by your plan.

Remember, however, that the vast majority of plans will not be "standard" since the providers have developed a co-pay structure like other prescription drug coverage. For example, some available plans don't have an initial deductible, while others may fill the doughnut hole in some fashion. You should be able to find plans with low premiums and others with high premiums, depending on which you choose. Again, the more you want covered, the higher your premium will be.

Even though the covered prescriptions will vary from plan to plan, some types of medication will be available with all plans. But plans will not cover such items as barbiturates, non-prescription drugs, medication for weight regulation or hair loss, and the like. Nor will any plan cover medications provided through Parts A and B of Medicare.

Each plan has the right to change its listed drugs upon giving 60 days notice. Should you find that you require a prescription not on your plan, you have the right to an appeal all the way into the federal-court system. An expedited appeal is also available for emergency situations.

Remember: The key dates are Nov. 15, 2005, when enrollment begins, and May 15, 2006, when the initial enrollment period ends. If you purchase a plan after May 15, 2006, you will pay a higher premium.

And if you meet the low-income guidelines, there is assistance available to help you pay premiums, co-insurance and deductibles.

If you missed last week's column, you can see it here.

There is also a link to Medicare's 2006 Publication online — www.medicare.gov/publications/pubs/pdf/10050.pdf.

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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