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?