65 Special

When I worked for Independence Blue Cross in Philadelphia we offered a supplemental insurance program for people covered by Medicare called “65 Special.” If that sounds like marketing right out of the 1980s playbook, you are correct except for the fact that they still offer something called Personal Choice 65 Pro.  Some things really don’t change.

            I was 32 when I went to work for Independence Blue Cross. I’m certain I never gave a thought to being 65 or whether being 65 deserved to be called special. However, as will happen to those of us who keep breathing, I will turn 65 this month.

Since I live in Tennessee now, I’m not eligible for “65 Special” supplemental coverage, but don’t feel sorry for me. Apparently, I’m more than special, I’m a member of  an exclusive club! My Blue Cross medi-gap coverage is called…Blue-Elite. Apparently the marketing staff at the Chattanooga based Blue Cross plan is more hip than the marketing team at my alma mater plan.

When I was 25 years old and had a full 40 years to go before I reached this milestone, I recall seeing a personnel file (that’s what they called them then) with my name that said, retirement date January 2013. It seemed so far off that I couldn’t even imagine such a thing happening. Remember this was 1973. The 20^th century was still in the third Quarter so to speak. It still had another 27 years to go. 

We designate certain birthdays as special. Most of them end in zero, a strange custom, no? Those of us who’ve appreciated six decades of living, have endured the over the hill cards at 40, the black balloons when we turned 50 and a Tee shirt or ball cap that says “Older than dirt” or worse, when we hit 60.

The exceptions to the zero birthday tyranny: the year we are eligible for a driver’s license and the magical 21, when we can legally order a drink and be served. For the record, on my 21^st birthday my father took me to a local restaurant where we ate dinner at the bar. My first legal drink? A grasshopper. Don’t ask, still haven’t lived that one down.

Should turning 65 also be a special birthday? One way it’s special: You’re eligible for Medicare. Obviously that won’t generate the kind of excitement that being eligible to drive brings. Still, of the 3,637,000 baby boomers born in the USA in 1948, about two million of us are still here to celebrate. Think of your Medicare card as a special birthday greeting from Uncle Sam. I’ll bet some of you 1948ers remember the last greeting you got from him; your draft notice.

Another good thing about being 65 is the forgiveness factor. It goes up by a factor of ten. When you forget to pick up milk at the store, can’t find the word you’re searching vainly for or can’t recall the name of the actor who played Jake Gittes in the film, Chinatown, you say to no one in particular, “I’m getting old.” You’ve been saying that for at least five years. The difference is people don’t jump to disagree with you anymore. They just smile. Permit me to make a suggestion. Never utter those words again! No good can come from telling yourself that. Listen: The Mayan calendar thing was bogus but the power of suggestion is very real.

If you’re turning 65 this year by all means revel in the specialness of the moment. While a few may argue that 65 is the starting point of old age, they are wrong. A Pew Research Center survey conducted a few years ago found that most people now believe old age starts at 68.  If Congress ever gets around to modifying Social Security and Medicare, maybe 68 will become a special birthday. Would BlueCross BlueShield come out with a 68 Special?

             

Critical Thinking

The election is over. Members of Congress have been sworn in. We will inaugurate our President next week. Let the games begin anew. But what I want more than anything from the 113^th Congress is some critical thinking. There’s been precious little of it for the last several years. It’s all about hard and fast positions and win-lose strategies. Enough! But we too, as good citizens, must do more critical thinking.

Dictionary.com defines critical thinking as disciplined thinking that is clear, rational, open-minded, and informed by evidence. One of the great paradoxes of our time seems to be that in an era where we have access to more information than ever before, it may be harder than ever to think critically.

For starters, being disciplined today is no easy task. We have way too many distractions literally at our fingertips. And we’re surrounded by media in more places than ever. Who can think, even in a doctor’s office waiting room with the TV on? I tell you when it comes to a choice between meaningful contemplation and a Seinfeld rerun, well you know Kramer wins every time.

Disciplined thinking requires quiet time to allow us to organize our thoughts, test them and reflect on matters important to us. These days your best shot at achieving a moment of quiet reflection occurs when you put your head down on the pillow. Of course, that’s only because technology doesn’t exist yet to run ads on the inside of your eyelids. Nevertheless, if we want to change our lives for the better we have no choice. We have to make time for thinking.

Having an open mind is essential. Critical thinking demands that we entertain alternatives to our own point of view no matter how uncomfortable it might make us. Gun control is a hot topic right now. And it’s an emotional topic, understandably driven by the horrific tragedy in Newtown, Connecticut.  Today I participated in a more or less friendly email debate with good friends on the topic. One of the guys asked us to read a letter we could then sign electronically supporting gun owner rights. The poor guy never had a chance. The letter’s point was that there are enough gun laws. Law enforcement agencies should simply enforce the laws on the books. No need to change a thing, obviously a tough sell in the current environment. His position was summarily dismissed.

People who chose to respond to his request were firmly in favor of a ban on assault weapons and gun registration. No doubt many of you have had similar conversations. I’m sure some of you have firm beliefs about what if anything should be done about guns and the violence associated with them. If you’ve listened to representatives of the NRA talk about the problem they seem to think more guns are the solution. Then there are those who will not be satisfied until assault weapons and handguns are illegal.

There are valid points on both sides of the issue. Other countries like Great Britain don’t have so many guns and not as many gun deaths. Mental illness is certainly a factor in the mass shootings we’ve endured over the years. Whichever side of this or any debate you’re on, unless you’re prepared to listen actively to the other guy’s point of view without pre-judging; you can’t think critically about the problem or formulate a reasonable solution.

Evidence is the other linchpin of critical thinking. In a media rich environment though, evidence, unbiased, fact based knowledge, is harder to find than diamonds in a coal bin. Finding a report or study that supports your opinion, your financial interest or your political cause is shamefully easy. Spin is the coin of the realm. That’s not to say that good, solid information isn’t available. However, determining what is a fair assessment of an issue and what isn’t, requires time and effort and well, critical thinking.   

Although it’s not listed in the definition provided, it’s hard to think critically without self awareness; the ability to perceive aspects of our personality, behavior, emotions, motivations, and thought process. Think about the last time you admitted you were wrong about something that mattered to you. It takes courage, it’s painful but it’s worth it.

            Critical thinking usually leads to better decisions. We wait patiently for members of Congress and the Executive branch to make good decisions. What about us? It’s a new year. Maybe if we make better decisions at work, at home and in the voting booth, the people we elect will make better decisions too.