In this issue

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. 20, 2006 / 29 Mar-Cheshvan, 5767

Enroll in Part D now

By Jan L. Warner & Jan Collins

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http://www.JewishWorldReview.com | TO OUR READERS: The holidays are coming, but the Open Enrollment Period (a.k.a. the Annual Election Period) for seniors covered under the new Medicare Prescription Drug Benefit Plan — also known as Part D — is already here.

Extending from only Nov. 15 through Dec. 31, the brief enrollment period gives seniors a small window of opportunity to join a plan, switch from one plan to another or drop their plans. No matter the choice, once done, no changes can be made until the next enrollment period a year from now.

According to the National Mental Health Association (NMHA), as the controversial Medicare Drug Benefit Plan prepares to observe its first anniversary, "many changes have been made affecting the treatments beneficiaries can access, cost-sharing, and other policies."

We'd like to remind seniors, their families and their caregivers about the Dec. 31 deadline and to recap how seniors can ensure they are enrolled in the plan that best suits their needs. New coverage takes effect Jan. 1, 2007.

First of all, if you are satisfied with your current prescription drug plan (PDP) and decide it will meet your needs in the coming year, there is no need to re-enroll, and your coverage will continue without interruption. However, seniors should still compare the costs and benefits of other plans in their area, because there may be more options that cost less and offer additional coverage.

It is also important to review your plan annually because, each year, details about your PDP may change — including what drugs are covered. "What may have been a good plan for someone in 2006 could be entirely different in 2007," says NMHA president and CEO David Shern. "It's important that (Medicare) beneficiaries educate themselves about all their options by choosing the plan they determine best matches their needs."

If you are not happy with your current coverage or decide that your plan won't meet your needs in 2007, compare the costs and formularies (i.e., the list of covered prescription drugs) of PDPs in your area. After you determine which plan is best for you, you can enroll in that plan by going to www.medicare.gov, calling 1-800-MEDICARE or contacting the PDP directly.

Here are some important questions to ask that will help you determine whether your plan will meet your needs in the coming year, says NMHA:

  • Will my deductible, premium or copayments increase?

  • Will all my prescriptions still be covered?

  • Will there be new restrictions (prior authorization, step-therapy, etc.) on my prescriptions?

  • Will my pharmacy still be in the plan network?

  • Have I been happy with the plan's customer service?

After answering these questions, you may decide to switch to another PDP. Remember: You must do so by Dec. 31, but be sure not to drop your current PDP until you identify your new plan.

Other important details:

  • If you can't afford your plan's out-of-pocket costs, you can apply for Extra Help, also known as low-income subsidy (LIS). If you qualify, the government will pay many of the costs of the Part D program, including premiums, deductibles, and copayments. To determine your eligibility and to apply online for Extra Help, visit www.benefitscheckup.org. To apply by phone, to request a paper application or to make an appointment at your local Social Security office, call 800-772-1213. There are a variety of other state, community and private assistance programs that may offer financial help when paying out-of-pocket costs for your prescription drugs. The Web site just mentioned can provide more information on these resources, as can your local Social Security office.

  • Experts say it is best to enroll in any new plan by Dec. 8 so you can have your prescription drug card and get the prescriptions you need on Jan. 1.

  • If your income level has changed and/or you no longer qualify for Medicare and Medicaid, belong to a Medicare Savings program or receive Supplemental Security Income (SSI), you may not qualify automatically for Medicare Prescription Drug Coverage. You may have to enroll in a new plan.

If you think all of this is incredibly complex, you're right. Perhaps the new Congress that convenes in January will consider some needed changes their defeated counterparts have ignored. For more information about this topic, go to the NMHA Web site at www.nmha.org/medicare.

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.


© 2006, Jan Warner