This column is devoted to helping all of us deal with economic difficulties that are pushing America toward another depression.

The purpose? To offer constructive advice, tips and suggestions from readers and help alleviate the pain of job loss, loss of retirement funds, diminished savings, finding work in a different climate and society and deal with mounting bills. If you've got useful suggestions to help others . . . send them to me at Jbehrens13323@gmail.com.

Healthcare in NY Murky for 2012

If you were hoping for some good news about healthcare in New York this year...forget it.

Most of those in a position to know believe that until the Supreme Court rules on the subject, it simply won't be clear. Worse, it means that employers will be less likely to do so because of the expected increased costs. Robert Gross, CEO of Monro Mufflers Brake Co, believes the persistent uncertainty about healthcare costs which is expected to continue this year, means uncertainty about growth in jobs. "I agree that we may not have much clarity on this until the Supreme Court rules. The situation is an impediment to hiring," Gross said. He has more than 5,000 employees in 18 states under his corporate wing with more perhaps to come.

And the uncertainty may continue beyond this year, too. A presidential election in the latter part of this year won't permit changes to be made by the end of the year, some believe, thus the problem may not be solved until 2013.

Keeping Med Coverage After The Deadline

It's been weeks since Medicare Annual Enrollment Deadline passed but all isn't lost. Yet. There are some suggested ways to help you deal with your drug needs this year.

1. Look for other drugs or substitutes. Not all drugs, for example, are covered by Medicare. A survey by the AEP discovered that 79% were not on the covered list. Your doctor may be able to help you find substitutes for what you are required to take. Ask your doctor or medical providers.
2. Make sure you ask about the Medicare Supplement (MediGap) open enrollment programs. Some states and insurance companies have created open periods for Medigap as well. These open enrollment periods for those who want to change their Medigap health coverage but the rules vary from state to state.
3. Ask or call Medicare Office in your region for an expert about the Special Needs Plans that are available to lower income or those with special needs or who are under 65. There are 15 types of such programs for those with chronic problems. If you qualify for an SNP your enrollment can be made at any time, spokesperson.
4. Investigate 5-star Medicare Advantage plans. Again, contact the Medicare Office in your region for more information. Such plans, however, are not available everywhere.
5. Investigate Medicare Special Enrollment periods. Medicare has provided SEPs for people who need to change their coverage.
6. Stay in touch with your area's Office for Aging. Such offices frequently have knowledge of federal health agencies' decisions.