Get outside and feel better

As we age into Medicare, it’s important to get outside and feel better.

As our son prepares for the Air Force, we’re doing our best to spend time together before he begins his service.

Especially in these times of COVID, one of the healthiest things we can do is to get outside and spend time with family and friends (assuming you like them 😉)

Studies have shown that time in nature relieves stress and anxiety, improves mood, increases energy and longevity and just makes us happier.

Even walking around the neighborhood or puttering in the garden, either way, you’ll be better and happier.

Here’s an article that confirms it.

If you have questions about Medicare or how to stay healthy, give me a call or book a time on my calendar.

As a Medicare Insurance broker, it’s my job to take the mystery out of Medicare.

Don’t Pay Your Medicare Hospital and Doctor Bills Until You Are Certain They Are Correct!

Some studies suggest that up to 80 percent of the medical billing from hospitals and doctors contains errors. 80%? That’s completely unacceptable.

Before you pay your next medical bill, check out this video:

As a Medicare Insurance Broker, I receive calls and emails from Medicare clients who think they’ve been billed incorrectly.

The first step is always to get a copy of your Explanation of Benefits, an EOB. Once you have the EOB, review it for errors and if you are not sure, call the Medical office to make sure the bill you received is in line with the services you received.

If not, ask them to correct it and to resend the bill.

Before paying any medical bill, be sure to also review the amounts with your insurer to make sure you are not over paying.

Here is a helpful article from Consumer Reports

Remember, diligence is the key, and as they used to say, “you can take that to the bank.”

How much will part B cost me each month?

Before deciding to begin Medicare, assuming you have options, it’s very important to know the costs associated with enrolling Part B and any additional coverage you may need.

Here’s a link to the Social Security website that shows Medicare Premiums: Rules for Higher Income Beneficiaries

If you are not sure which way to go, email your questions to Karl@TheBig65.com or just book a time on my calendar and we can discuss your options.

Talk soon

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

How to enroll in Medicare Part B

Once you’ve decided to begin Medicare, you will next need to enroll in Part B.

Once you have Medicare Part A and Part B, you can then select the coverage you’ll need to augment original Medicare.

Watch this video to learn the basic steps to enroll in Medicare Part B

Here is the link to the Social Security website for enrollment and questions.

As Medicare Insurance Broker, another question I receive is:

How much will I have to pay for Part B? Great question! Here is Medicare’s the information on Medicare Premiums: Rules for Higher-Income Beneficiaries.

Remember for some folks, starting Medicare at age 65 is going to be a fantastic choice. For others, they might benefit from waiting a few years and staying on the company plan.

If you’re not sure, you can review this video on “When should I start Medicare”

Email your questions to Karl@TheBig65.com or just book a time on my calendar and we can chat.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

Do I have to sign up for Medicare Part B when I turn 65?

As a Medicare Insurance Broker working with clients all over the country, it shocks when clients tell me that when they turned 65, even though they had great Medical coverage at work, they signed up for Medicare anyway!

“Why did you do that?” I ask. “Because I had to” they say.

Listen up: Just because you are turning 65 doesn’t mean EVERYONE has to sign up for Part A and Part B.

Check out this video and you may save yourself some money and some frustration.

Here’s the Medicare fact sheet on Deciding Whether to Enroll in Part A and Part B when you turn 65.

Remember every person’s situation is different. For some, enrolling in Medicare at 65 is a no brainer. For others it may be a huge waste of money.

If you are not sure which way to go, email your questions to Karl@TheBig65.com or just book a time on my calendar and we can chat.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

Do I really need a Medicare Part D Drug Plan?

As a Medicare Insurance Broker, this is a question I get all the time: Do I really need a Medicare Part D drug plan?

The answer is, “you bet your sweet bippie.”

Check out this video that identifies why.

Part D Medicare Insurance is designed to protect Medicare recipients against catastrophic drug costs.

Just because you’re not taking expensive drugs currently doesn’t mean you couldn’t be surprised with an expensive medication later, not to mention a penalty.

Here is your guide to Medicare Prescription Drug Coverage.

You are also welcome to email your questions to Karl@TheBig65.com or just book a time on my calendar and we’ll get your questions answered.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

What is a Medicare Supplement?

Clients tell me all the time how frustrated they get when people try to sell them plans before they even understand all the Medicare options.

Don’t worry 😊. Our mission is to educate! Once you understand the big picture, then you can call us.

In the previous video, we looked at Advantage Plans, today you’ll get a quick primer on Medicare Supplements.

Medicare Supplements are easy to use: For the privilege of paying a premium, you can go to any doctor who takes Medicare and is willing to see you.

Many people love the simplicity of the plans. Here is the Medicare Supplement Shoppers Guide.

Only you can decide which type of plan will best suit your needs, Medicare Supplements vs Medicare Advantage Plans.

However, once you have a basic understanding of the plan types, the next step is to speak with an independent Medicare Insurance Broker.

You are also welcome to email your questions to Karl@TheBig65.com or just book a time on my calendar and we’ll get your questions answered.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

What are Medicare Advantage Plans?

After two decades of working with Medicare insurance plans as a Medicare Insurance Broker…

It’s amazing how often people tell me they are frustrated!

If you feel that way, you are not alone.

Today we are going to take the mystery out Advantage plans.

Check out this super short video:

Remember every person’s situation is different. For some, Medicare Advantage plans can be a great solution.

For others, Medicare supplements and their predictable costs may be the answer.

If you like to read, here’s a complete PDF from Medicare on how to understand Advantage plans.

You are also welcome to email your questions to Karl@TheBig65.com or just book a time on my calendar and we’ll get your questions answered.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

How to Understand Medicare

If you are new to Medicare or you have to sign up for Medicare soon, it can be overwhelming!

Check out the video below and you will understand how all the Medicare components work.

Of course, if you’d like to talk to real person, click here to book a time on my calendar and we’ll get your questions answered.

In summary:

Part A covers Hospital.
Part B covers Medical.
Part C is Medicare Advantage Plans.
Part D is for prescription drugs.

Click here download a copy of the Medicare & You Shoppers Guide.

You are also welcome to email your questions Karl@TheBig65.com and let us know how we can help.

Talk Soon!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

How to save money on your Medicare medications and how to stop them from killing you

Every week as I onboard new Medicare clients, I speak with at least one person who taking is a medication that they have NO IDEA why they are taking.

Wanna hear the scary part? Sometimes when they ask their doctor, they’ll discover they’ve been taking a med for years that was only needed for a few weeks!

Check out these tips on reviewing your meds and reducing the cost of your drugs. It might save your life and your wallet.

Review your medications quarterly. Make sure you know why you are taking each of your medications. If you don’t, ask your doctor and your pharmacist. Also, be sure to shop your medications and check GoodRX.

Here’s a great article on how to manage your medications.

The gist of the article:

“If you are taking more than five prescription medications on a regular basis, is vitally important to schedule three or four periodic visits with your physician per year to review and update the medication list and give your physician a chance to reevaluate your general health status with your medications in mind,” says Dr. Lawren Hicks, MD, medical director for Senior Services at John Muir Health.

So be sure to review your medications quarterly. Make sure you know why you are taking each of your medications. If you don’t, ask your doctor and your pharmacist. Also, be sure to shop your medications by asking for the cash price and looking up your prescriptions on GoodRX. It is a pain but it is important.

And remember, if you have questions about Medicare or how to enroll, send an email to Karl@thebig65.com or book a time on my calendar.
Talk soon.