​For a student of political science, these are illuminating, if often also unnerving, times.
 
Many of us had thought that we—perhaps as a species, certainly as a society—were more or less above, and also beyond, upheaval. We were governed by rationality, oriented to stability, predisposed to decency. In 2016, cold war was supposed to be a relic of a different century, holy war even more outdated. In an age of near-instant “fact-checking,” flagrant falsehoods were supposed to be deprived of any traction, and at a time of growing political correctness, demagoguery was supposed to be deemed distasteful, when not laughable.
 
Wherever one stands on the myriad global and domestic issues of the day, few of us, it is safe to say, are laughing at the moment.
 
In the year 2016, seven decades after World War II, our high-technology world has watched, with a mixture of wariness and impotence, a five-year-long Syrian civil war that has killed and maimed well over half a million people. As soon as that and nearby conflicts began to propel refugees outward, the European Union—that great exercise in regional collectivism and answer to the continental fissures of the past—began in earnest to crack, and now at least one of its leading members is headed for the door. The 20th century rivalry between East and West has also made a riposte in a territorial standoff on European soil, in Ukraine. And while the world has somehow grown numb to serial decapitations and other barbarisms in the Middle East, Europe has responded with the advancement of multiple rightist and other extreme parties. Much of France’s left, for its part, recently joined in advocating restrictions on Muslim women’s personal right to dress in accordance with their religious convictions.
 
Meanwhile, 77 years after Hitler was so brazen as to announce that a genocide of Jews would come if the Jews brought it on themselves, and 41 years after the U.N. General Assembly voted to equate Zionism with racism, members of the United Nations Educational, Scientific and Cultural Organization have perfected a new perversion by effectively severing Judaism from its holiest of sites in Jerusalem by relabeling them as exclusively Arab and Islamic.
 
Perhaps not least disturbingly, much of the globe has been experiencing a wave of populism, authoritarianism and questioning of the rule of law. Vitriol or worse has been directed at religious and ethnic communities, civil society and political opposition, especially online, and a general “post-truth,” “fake news” age seems to have dawned. Even in the West, more than merely a coarsening of rhetoric or a lessening of civility, we’ve seen the risk of erosion of democratic norms.
 
During an American election season when both presidential candidates had children who either are Jewish or have Jewish spouses, Jews in particular have watched social networks overwhelmed by some “alt-right” aggressors posting sentiments like “dirty kike, get back in the oven.” Separately, the platform of a consortium called the Movement for Black Lives—despite the fact that many American Jews, but also Israelis, have been in the forefront of championing civil rights—singled out Israel for depiction as an “apartheid state” that commits “genocide,” and that is thus deserving of divestiture and a cutoff of defense assistance.
 
These and many other realities underscore the precariousness of social cohesion even in the contemporary period, with all its blessings. Simple parallels to previous eras would advisably be avoided, if only because ours and its conditions may in some ways be unique. But a general sense of malaise and uncertainty—whether founded upon security, economic, cultural or other concerns—can lead to worse, with fringe elements seeming actually invigorated by the prospect of chaos and conflict. At times of apprehension, more citizens are susceptible to shallow solutions—or worse, the politics of divisiveness. (In turn, journalists and politicians tend to romanticize popular passion—just look at conventional wisdom within so many countries’ chattering classes, where the unarticulated view is that the “Arab street” is so angry and formidable, like the Arab bloc at the U.N., its claims against Israel could never possibly be wrong.) This climate is conducive to the deepening of mutual estrangement and an ethos of plain offensiveness for the sake of offensiveness.
 
Even where we’ve seen one step forward, such a step has often been followed by another back. Jarred by the heightened uproar this year, some governments pledging not to repeat unprincipled voting at UNESCO on resolutions whitewashing Jewish ties to Jerusalem have proceeded to vote “yes” on motions doing the very same thing at other U.N. bodies.
 
On the eve of his exit from office, after a full decade at the helm, U.N. Secretary-General Ban Ki-moon finally acknowledged that Palestinian grievances are not the cause of all the Middle East’s wars, that Palestinian terror and incitement continue unabated, and that “bias” is manifest when “[d]ecades of political maneuverings have created a disproportionate volume of resolutions, reports and conferences criticizing Israel.” He added, “rather than helping the Palestinian cause, this reality has hampered the ability of the U.N. to fulfill its role effectively.” But the secretary-general went on to say, beyond recycling the same old shoddy condemnations of Israeli policy, that “another troubling measure of the current state of play is that, during my tenure, the Security Council adopted only two resolutions on the Middle East peace process, the most recent almost eight years ago.”
 
Sadly, one week later, last Friday, the council took the entirely unhelpful step of adopting a new resolution, which, while calling in general terms for an end to violence and incitement, singled out Israel by name for condemnation over Jewish settlements, even communities in Jerusalem, deemed the primary impediment to peace. (No heed, of course, was paid to the fact that Israel has over the years uprooted entire settlements or frozen their growth—and offered Palestinians statehood and virtually all the territory publicly demanded by their mainstream leaders—only to receive unending terrorism and intransigence in return.) The U.S. abstained on the motion, enabling its passage. American enablement of the council resolution, though widely seen as a swipe at Israel’s prime minister, was ironically perhaps most stinging to the Arab leadership of Egypt, which had taken the political risk of agreeing to shelve the text just one day prior.
 
While withholding an American veto on this type of resolution is not unprecedented, it is a departure from the common practice over the course of many years, and a breach of the principle that Palestinians can achieve political goals only through direct talks and compromise with Israel, not lobbying the U.N. The day before Jews were feted with greetings of “Happy Chanukah” for the festival recalling the lighting of the menorah on Jerusalem’s Temple Mount—and the day before the birth of a Jew “in Bethlehem of Judea” was celebrated by Pope Francis at St. Peter’s Basilica in Rome—the U.S. ambassador to the U.N., in a subtle escalation of a position merely deeming further settlement activity “not legitimate,” made reference to the presence of Jewish communities in Judea and Samaria as having “no legal validity.” And, this week, Secretary of State John Kerry followed up with a speech on Middle East peace parameters in which he invoked a view that settlements are “inconsistent with international law.” He also employed, at a time when disputes over territory and demographics elsewhere continue to be wholly ignored by the international community, a straw-man assertion that regular criticism of Israel is often maligned as anti-Semitic.
 
The content of last Friday’s U.N. resolution is, admittedly, not very novel and, by itself, of limited direct impact on realities in the Middle East. What is significant about the resolution is its timing. Coming as the International Criminal Court (ICC) has been conducting preliminary consideration of Palestinian accusations against Israel, fresh Security Council action could push the ICC to direct a full probe at the Jewish state. At least until a new U.S. administration settles in, Palestinians will surely be emboldened to further pursue a strategy of combativeness and unearned, unilateral recognitions of statehood (notwithstanding the new resolution’s own censure of “all measures aimed at altering the… status of the Palestinian Territory”). And, not least, the resolution’s call for countries “to distinguish, in their relevant dealings, between the territory of the State of Israel and the territories occupied since 1967” will be used as fuel by partisan activists agitating for discriminatory boycotts, divestment and sanctions against Israel.
 
Arguably, coalition politics in Israel—the joining of those leaning rightward with those leaning to the left, or the recurrent succession of one by the other—have helped encumber Israeli efforts to advance a clear defense, in historic, security, legal and ethical terms, of the country’s settlement policies. After all, whatever the long-term future may be of any given settlement under a final peace agreement, these are communities in the heart of Jews’ ancestral homeland, with long roots prior to their various forcible displacements. The existence of the settlements has broadly shifted Arab focus from the elimination of Israel entirely to the resolution of a dispute over final borders. The settlements actually comprise a tiny fraction of the landmass of the West Bank, and none remain in Gaza. Their growth mirrors, but pales in comparison to, the continuous increase in size of the Arab population on the Israeli side of the pre-1967 lines. The applicability of particular international conventions regarding the settlement of contested lands is also highly dubious considering that the territory in question, acquired during a defensive campaign, lacked a previous sovereign.
 
This said, the 50th anniversary of the Six-Day War is undoubtedly seen by Palestinians as an occasion to ratchet up a global diplomatic offensive against Israel. Whether the international community fully re-immerses in such combat will depend on an array of factors, from the course taken by new leaders in Washington and at the U.N. to the degree to which other crises, including the carnage in Syria and Iranian nuclear activity, allow focus to shift back to the Palestinian narrative.

More than a dozen years ago, William Kentridge's “9 Drawings for Projection,” a series of highly personal animated films focusing on South African society under apartheid, was screened for audiences in museums around the world. It was then that the artist, working since the 1990s, rose to international fame. Today, he continues to demonstrate his genius through multi-disciplined projects, many of which incorporate music, dance, poetry and drama.  
 
Born in 1955, Kentridge was the son of Johannesburg lawyers who devoted their lives to fighting for the rights of victims brutalized by South Africa’s system of segregation. Later on, Kentridge and his wife, a physician, became activists who placed themselves in great danger by taking in and offering medical assistance to men and women hiding from the police. The artist’s own experiences are at the heart of his imagery; his Jewish heritage and values are implicit, but certainly perceived, and ever present. A printer, filmmaker, poet, dramatist and stage director, Kentridge has been influenced by wide variety of sources, including Javanese shadow puppet theater, German Expressionism, 19th century medical illustration and non-traditional art like graffiti. 

Projects completed within the last two years have touched the lives of millions. In late 2015, Kentridge’s Metropolitan Opera staging of Alban Berg’s “Lulu” plunged audiences into Weimar, Germany’s nightmarish decadence. Garish color, skewed sets and crass pantomime revealed the persona of the opera’s central character, a prostitute, while projected visuals—period currency, newspapers with prophetic headlines, photos of world leaders, and the artist’s own animations, drawn and then erased before the viewer’s eyes—distilled the essence of a world on the verge of cataclysm. A finishing, and most frightening touch, was the box-like, cartoonish mask encasing the head of the principal dancer. 

This year, Kentridge executed a site specific work, on view 24 hours a day, which is intended to draw attention to the neglected and polluted condition of the Tiber River and its environs. In the 1640 feet long “Triumphs and Laments,” silhouettes of Rome’s military leaders, political despots from ancient times to the presentand the people they have conquered, exploited and enslaved, parade silently across the high stone river embankment. The process was unique; the monumental figures were blasted out of the biological detritus and garbage that has accumulated on these natural walls. Without conservation, the figures will be overtaken by more growth, and will eventually disappear.   

Kentridge’s world is not all gritty. Only recently, elegance has prevailed as the famed men’s haberdasher, Ermenegildo Zegna (EZ), unveiled Kentridge’s new tapestry, “Dare/Avere” (Credit/Debit), commissioned for its beautifully designed New Bond Street, London, location.  Inspired by documents in the store’s archival holdings, the artist’s design brings together attributes which distill EZ’s 106 year history: an antique Italian map, an old accounting ledger referencing the work’s title, a sewing machine, the store’s trademark label. In characteristic Kentridge style, the dapper silhouette of Ermenegildo, who founded this family business, makes his entrance as part of the foreground procession.  ​

There are reasons to be optimistic about the progress of the bilateral relations between Israel and several Latin American states. Changes in the leadership of several countries, as well as a more proactive Israeli policy towards the region, are proving quite promising. On the other hand, it seems that there is still a long way to go when it comes to translating these good relations into changes in the voting patterns of some of these countries at the United Nations on resolutions involving Israel.
 
Let’s start with Paraguay. From the moment, Paraguayan President Horacio Cartes took office in August of 2013; the relations with Israel (which had already improved during the interim government of President Franco) got a strong boost. The Paraguayan government started to distinguish itself from other voices in the region and took a principled stance every time Israeli actions were judged by other nations. During the latest Gaza war, for example, there was an attempt at a meeting of Mercosur (the economic bloc that includes Argentina, Brazil, Uruguay, Paraguay and Venezuela) to issue a joint communiqué strongly condemning Israeli actions. Paraguay opposed this measure. And it took similar positions in support of Israel in different international forums. Today, Paraguay abstains on almost all anti-Israel resolutions at the United Nations.
 
An important step taken by Israel to strengthen the bilateral relations with Paraguay was the decision to re-open the Israeli Embassy in Asuncion (which was closed in 2002 for budgetary reasons). This was very well received in Asuncion by both the Paraguayan government and the local Jewish community.
 
Three key anti-Israel resolutions were put to a vote at the General Assembly a few days ago. These are the resolutions that renew, year after year, the mandates and the funding authorizations for the following entities: 1. the Palestinian Rights Division; 2. the Committee on the Exercise of the Inalienable Rights of the Palestinian People; and 3. the Special Committee to Investigate Israeli Practices Affecting the Human Rights of the Palestinian People. These resolutions are very important because they maintain a powerful anti-Israel propaganda apparatus that functions under U.N. auspices.
 
Paraguay kept its abstentions on these three anti-Israel resolutions this year. Even though these abstentions are highly appreciated, it would be desirable for Paraguay to go a step further and cast “no” votes, as abstentions unfortunately do not prevent resolutions from being approved at the General Assembly. Time will tell if Paraguay will be ready to make that positive move, in light of the increasingly close relations between this South American nation and Israel.
 
Israel’s relations with Peru have also improved in recent years. But Peru’s recent role at UNESCO’s World Heritage Committee was a cause for concern. The Peruvian representative actively supported a draft resolution (when the Committee met in Istanbul last July) that was quite insulting to Jews,  referring to the most sacred places for Judaism only by their Muslim names (it was, of course, insulting to Christians as well). The draft resolution could not be put to a vote because of the attempted coup in Turkey but when it came up again in October, Peru abstained, which clearly showed that the ambassador received instructions in this regard from the new government of Pedro Pablo Kuczynski, who took office in late July. The outlook of the new president, a brilliant economist who spent many years in the United States, and who has Jewish roots, bears well for the progress of the bilateral relations between Israel and Peru.
 
Peru has abstained on these anti-Israel resolutions at the General Assembly for many years now, and it kept these abstentions this year. As in the case of Paraguay though, it would be desirable for Peru to start voting “no.”
 
The arrival of Mauricio Macri to the presidency of Argentina in December of 2015, which put an end to the 12 years of “Kirchnerismo,” opened a window of opportunity for improving this country’s bilateral relations with Israel. And the positive signs are many. One of the first things President Macri did when taking office was to nullify the shameful “pact” that the previous government had signed with Iran to “jointly investigate” the 1994 terrorist attack against the AMIA Jewish Center (the worst terrorist attack ever suffered by Argentina or any other Latin American country). The president also promised to guarantee the independence of the judiciary so that the mysterious death of AMIA case Prosecutor Alberto Nisman, and the complaint that he had made against the government, are properly investigated.
 
Last April, the Executive Board of UNESCO approved a very troublesome anti-Israel and anti-Jewish resolution. The Argentine representative supported it but, when the resolution was taken up by the plenary last October, Argentina abstained. With regard to the three key General Assembly resolutions, since 2004, Argentina voted “for” two of these resolutions and “abstains” on one. Unfortunately, there were no changes this year in this regard.
 
Since Brazilian President Michel Temer took office last August, the country’s sometimes shaky relations with Israel appear to have entered a new phase. His Foreign Minister Jose Serra is close to the local Jewish community, and the government seems to be determined to get Brazil’s foreign policy a new turn. We still need to see if this will indeed happen, as Brazil’s powerful Foreign Ministry (Itamaraty) has proved over the years to be quite resistant to change. But there has been already a positive sign when it comes to Israel. Even though Brazil supported the troublesome resolution approved by UNESCO’s Executive Board last October, the Ministry issued a communiqué stating that unless the text is revised, Brazil will not support a similar resolution in the future. A small but positive step in the right direction. Brazil, however, supports, year after year, the three important General Assembly anti-Israel resolutions and, unfortunately, there were no changes this year.
 
Something very interesting happened in Mexico, a country that for many years has consistently voted against Israel at the United Nations and other international forums. President Enrique Peña Nieto traveled to Israel recently and promised that Mexico would not support the biased UNESCO resolution that was going to be put to a vote in October. His decision, however, was never transmitted by the career diplomats in the Foreign Ministry to Mexico’s new UNESCO representative, who happened to be Jewish. He cast a “yes” vote but not without protest. The local Jewish community then made its voice heard and Mexico (after trying unsuccessfully to modify its vote) decided to abstain in the plenary.
 
In addition, at the General Assembly, Mexico moved from “yes” to “abstain” on one of the three important resolutions, which is a pretty significant step.
 
Since President Tabaré Vasquez returned to Uruguay’s presidential office in March of 2015, that country’s relations with Israel made a turn for the better. Even though Vasquez belongs to the left-wing Frente Amplio party (the same party of former President Jose Mujica), he is a far more centrist leader and has interesting personal ties to Israel, as he had the opportunity to do post-doctoral studies at the Weizmann Institute in Rehovot several years ago.
 
With regard to Uruguay’s votes at the General Assembly, like Argentina, Uruguay votes for two of the resolutions and abstains on one. There were unfortunately no changes this year.
 
Guatemala has given us a pleasant surprise this year. After a recent visit that President Jimmy Morales paid to Israel, during which the Israeli government pledged to support Guatemala on a number of areas, the Guatemalan U.N. representative cast a “no” vote on the three key anti-Israel resolutions, something that has no precedents in Latin America. This is a very important development and a strong sign of friendship between the two countries.
 
The bilateral relations between Israel and Honduras have improved considerably in the last few years. And this change has been reflected in the way Honduras votes at the U.N. This year, even though Honduras has kept its abstentions on two of the three important anti-Israel resolutions at the General Assembly, it cast a “no” vote on one of them, which is quite important.
 
Colombia continues to have excellent relations with Israel, even though President Santos does not have the same kind of personal ties that Former President Uribe had both with the Jewish community and Israel. Colombia has abstained on the three key anti-Israel resolutions at the UN for a number of years now and there were no changes this year.
 
Panama was, until now, the only Latin American country that voted “no” on one of the three key anti-Israel resolutions (the Special Committee to Investigate Human Rights Practices). This was a decision made by Former President Martinelli, who had excellent ties with Israel and the Jewish community. This year, Panama’s U.N. representative cast a “yes” vote when this resolution was put to a vote at the General Assembly’s Fourth Committee. A pretty dramatic change as it is unusual for countries to move from “no” to “yes.” The local Jewish community reached out to President Carlos Varela and this is probably why, when the resolution was taken up by the plenary, Panama abstained. Still, this move from “no” to “abstain” represents an important setback in the bilateral relations between Panama and Israel.
 
The current political environment is certainly favorable for the relations between Israel and Latin America to grow. And there is a lot that Israel can contribute to the countries of the region in the fields of agriculture, technology, security, science, education, etc. But Israel must ensure that the improvement of its ties with several Latin American states has a certain impact in the way these countries vote at the U.N., especially when it comes to resolutions that makes it possible for a powerful and strongly biased anti-Israel propaganda apparatus to operate under the U.N. roof.

The IHRA document is an important affirmation by an international organization of the serious problem of anti-Semitism in the form of the demonization and delegitimization of Israel. It should be disseminated as widely as possible to educate public officials, educators, journalists, and others about the current nature of anti-Semitism.

For the OSCE – an organization that includes the United States, Canada, Turkey, and an entire continent in between – following IHRA’s example by using a similar definitional template would be a major step forward in the struggle against anti-Semitism.  Such a document could attain wider circulation than any before it and should foster deeper levels of understanding of the dimensions of the problem. This in turn would guide governments in acquiring more sophisticated tools for combating anti-Semitism, in the form of data collection, law enforcement training, hate crimes legislation, education, and other measures.
 
The fight against hatred is an ethical obligation, one that remains as strong now as ever before, in light of the dramatic surge in anti-Semitism in recent years. It is essential to continue the difficult struggle against anti-Semitism, the distinct and uniquely resilient social illness that gave rise to the Holocaust and that persists, in both new and old variations, today.

Last week, the United Nations marked its International Day of Solidarity with the Palestinian People, a day created by the U.N. to further promote the continuing Palestinian narrative of victimhood and, of course, bash Israel. The date chosen for the international day—Nov. 29—was no accident. This was the date of the passage in 1947 of General Assembly resolution 181, which recommended partitioning the land into a Jewish state and an Arab state. The Jews accepted this plan and declared independence; the Arabs rejected it and, along with neighboring states, embarked on a war of annihilation against the newly independent Jewish state. Israel beat back the invading Arab armies and the Zionist dream became a reality.
 
As a result of the fighting, many Arabs fled their homes and became refugees. An even greater number of Jews from Arab countries were expelled from places that had seen thriving Jewish communities for centuries (some of these communities went back to ancient times, preceding the Arab invasion of the North Africa). The Jewish refugees were absorbed by Israel while being completely ignored by the international community. The U.N. created a refugee agency—United Nations Relief and Works Agency (UNRWA)—only for Palestinian refugees, who, unlike any other refugee population, can pass their refugee status on to their descendants. Billions of dollars (and euros) later, UNRWA now claims to serve over 5 million refugees.
 
After the Arabs lost the war they initiated in 1948, the Jordanians occupied an area known to Jews as Judea and Samaria (that the Jordanians later renamed the West Bank), along with eastern parts of Jerusalem (including the Old City); the Gaza Strip was occupied by Egypt. No Palestinian state was established during this time of Arab control over these lands. The Palestinians have also rejected multiple Israeli peace offers and walked away from the negotiating table at nearly every turn.
 
The Palestinians see Nov. 29 as a catastrophe, and so the U.N.—which does not even attempt to hide its own pro-Palestinian bias—has adopted this narrative.
 
At the international day commemoration by the Committee on the Exercise of the Inalienable Rights of the Palestinian People (CEIRPP), a U.N. body funded by our tax dollars to attack Israel, the president of the General Assembly wore a scarf with the kaffiyeh and a Palestinian flag on it. Not normal attire at the usually buttoned-up U.N. Beyond the odd choice of neckwear, the GA president also endorsed a right of return in his speech, a non-existent “right” which the Palestinians would like to exercise for all five million of their UNRWA-designated refugees to flood Israel. The deputy secretary-general of the organization talked of the U.N. General Assembly’s decision to upgrade the U.N. status of the Palestinians to non-member state in 2012 as a “historic milestone.” Neutrality goes out the window when there is an opportunity to parrot the Palestinian talking points. Is there another conflict situation where the diplomats behave like this? I have yet to encounter one.
 
And this was before the U.N. member states, whose pronouncements on Israel can be far more unhinged, had their chance to vilify and demonize the Jewish state at the CEIRPP session and a later GA session in which a number of condemnatory resolutions (including ones continuing the operation of CEIRPP and other costly Palestinian propaganda bodies embedded deep within the U.N. system) were passed.
 
Algeria complained, rather absurdly considering the importance of Jerusalem to the Jewish people, about the “increasing Judaization of Jerusalem.” Qatar decried the seven decades of occupation, meaning not only areas in dispute from Israel’s victory in the Six Day War of 1967, but Israel’s very existence from 1948. 
 
The vilest speech, though, at this year’s international day activities was delivered by Ecuador. Ecuador’s ambassador, quoting the recently-deceased former Cuban dictator Fidel Castro (who received not one, but two different moments of silence during the day’s proceedings), declared, after condemning the Holocaust, that there was nothing more similar to the Holocaust as the “genocide” committed against the Palestinian people.
 
This display of overt anti-Semitism from a U.N. platform was truly beyond the pale and B’nai B’rith has called on Ecuador to replace the ambassador. But the problem goes beyond the hate-filled words of certain diplomats. When the U.N. sacrifices historical truth and simply repeats and amplifies all manner of lies against Israel, the end result does not improve the lives of anyone in the Middle East. It only encourages more anti-Semitism.
 
Nov. 29 should be recognized for what it was, a date in which the international community voted to affirm the Jewish people’s right to self-determination in our homeland. The rejection by the Palestinians of that compromise (and all of the offers that came in later years) to live in peace next to a Jewish state has led to the current state of affairs. And there should be some recognition, finally, for the Jewish refugees that were violently pushed out of Arab countries throughout the Middle East.
 
If the international community is serious about a peaceful resolution to the conflict, then it is time to send the message to the Palestinians that if they want a state, they need to negotiate with Israel. It’s long past time to close down the Palestinian propaganda bodies at the U.N. and to end the incessant biased attacks against Israel. These are distractions that lead nowhere, but especially not toward peace. Without a change in direction by the international community, the Palestinians can look forward to many more years of ultimately meaningless speeches at the U.N. while more missed opportunities for peace continue to slip by.

You only have days left to determine whether you want to change or enroll in a Medicare Part D plan. In fact, there are only five days left. With less than a week, why would I bother talking about this on such short notice? While many have pointed to premium increases in 2017, an average of 4 percent according to Avalere, I caution you to look a little closer! By digging deeper, your wallet may be thanking you this time next year. 
 
For 2017 plans, the benefit of paying less for a monthly premium may not outweigh the annual cost of medications you depend upon. I urge you to take the time to visit Medicare online and learn more before you choose. If you stick with me, I’ll go into how you can access the Medicare Plan Finder on the Medicare.gov website. But, before I can do that, I want to explain the reason behind my concern.  If you had planned to default to your 2016 plan under the assumption a small change in your premium would be the only adjustment you’d make, you may be very disappointed.
 
Year-to-year costs of popular drugs are seeing major increases for the upcoming year, and Part D plans have changed the structure of their drug pricing in response. If you aren’t careful about picking a plan, or if you have added any medications this year, you could see jaw-dropping increases. For example, a co-pay for one single drug went from $7 to $350.
 
Several trends among insurers have made surprising shifts in cost sharing for beneficiaries possible. Some of the reasons you may be seeing this is because of:

• Tier shifting:  more and more sophisticated drugs, for which there is no generic, and shifting of generic drugs from lower, less expensive tiers to higher, more costly tiers.
• Plans are charging coinsurance: a percentage of the full cost of a drug instead of set co-pays which are flat rates like $20, $45, or $60 dollars for any drug on a specific tier.
• Pressure on Medicare to keep premiums down.

Now, I hope I haven’t lost you. For those of you who are reluctant to use your computer or device, I encourage you to utilize these steps (or, bribe one of your children or grandchildren to help out, the holidays ARE coming up). Sometimes the internet is there to help us out and, in this case, save you a whole lot of money.
 
Instructions for using the Medicare Plan Finder
 
Before starting, make a list of drugs you take. Then, access the Medicare Plan Finder by ​clicking here.
 
You’ll see prompts like the ones listed below:

• Step 1: Enter Your Information
  You can perform either a general or personalized search with your own information. A personalized search will allow you to enter your zip code, Medicare number, last name, and date of birth, while a general search will only require a zip code for plans offered in your area. You will also be able to enter whether you have a Medigap policy (aka Medicare Supplemental Insurance) or if you receive any help from Medicaid or SSI (which might make you eligible for extra discounts in Part D).
  
  
• Step 2: Enter Your Drugs
  Enter the list of drugs you have written down. You will be prompted to select the dosage, quantity, frequency, and whether you get your medicine from a retail or mail order pharmacy. Before entering, you will have the ability to select a lower cost generic for the drug if it is available.
  
  
• Step 3: Select Your Pharmacies
  You can select up to two.
  
  
• Step 4: Refine Your Plan Results
  You will be made aware of how many plans are available to you in your area, based upon the information entered. These plans can be narrowed down, dependent upon the type of coverage you need and the types of factors you’re looking for.
  
  

Once presented with the different plans, select each you’re interested in and compare. You can select up to three at a time. You want to make sure the results are sorted by lowest estimated annual retail drug cost. This will ensure the first plans you see offered have the lowest annual out-of-pocket expense, rather than just low premiums or low deductibles.  You need to know what your total spending for the year would be under each plan.
 
Additionally, on each of the plans, you will see “Lower Your Drug Costs.” Once selected, you will have an opportunity to select cheaper versions of the drugs you originally input based upon their projected annual cost.  (Only do this for drugs where you know you could take either.)
 
When comparing plans, you want to focus on the heading “Estimate of What YOU Will Pay for Drug Plan Premium and Drug Costs.” This amount is what should be used to compare to what you spent last year, and what you’re budgeting for this coming year.
 
When I performed this exercise, I entered medications for a variety of needs such as: lowering cholesterol and high blood pressure, treating Type II Diabetes, as well as an anti-depressant—all fairly common prescription medications. In each case, when comparing plans in my area, the cheapest premium did not correlate to the least amount paid for annual out-of-pocket. In fact, in nearly every comparison, the most expensive premium often was paired with an annual out-of-pocket expense several hundred dollars less than other plans with cheaper premiums.
 
More than ever, this year, it does not make sense to stay with the same plan as you selected last year without comparing.  And the best news is: it’s not too late! Enrollment is still open through Wednesday, Dec. 7, 2016.  
 
AARP Medicare Resource Guide: Understanding Your Prescription Drug Coverage
Save on drug costs: See if your income makes you eligible for extra help