July Greetings … may this blog find you in amazing health, with your Medicare health insurance working well and no one on this planet killing you with kindness.
Do you or your friends need help with their Medicare optionsš¤?
EmailĀ Gray@TheBig65.comĀ orĀ book a time on my calendarĀ because referrals truly are the lifeblood of my business. Plus we’ll send you a Starbucks card for anyone who books an appointmentāšš³.
Twenty three years after our first exchange student, Romain and his wife Christine sent their first born to spend a few weeks with us in Colorado. I can’t believe how fast time flies!
Of course we’re having great fun with Justin:
- Exploring the National parks
- Paddle boarding
- Playing soccerā½
- Riding bikes
- Watching World Cup games (and seeing ALL my teams loseš¢)
- Sleeping late
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How many chances do we get to spoil the people we love? It’s a privilege, isn’t it?
The bottom line is we only live once so let’s not leave anything on the table, right?
Which brings us to the midway point in July and many of you are leaving Medicare benefits on the table, benefits that might make you healthier and happier!
And for those concerned about my wife Quantz, she survived her attempt to run with the bullsš in Pamplona, Spainš®āšØ.Ā Now she’s home safe and sound.
But let’s get back to the benefits!
Got a sore body part? If you have a Medicare Supplement, ask your doctor about physical therapy, even if you haven’t had surgery.
Medicare Part B covers medically necessary outpatient physical therapy to:
- Restore movement following an injury, illness or surgery
- Improve strength, balance or mobility
- Maintain a personās current abilities
- Slow physical decline
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A physician or other qualified provider must certify the need, but there is no annual dollar limit on medically necessary outpatient therapy.
Sadly, the Japanese beetles have been providing no therapy for our roses!
Consider asking your primary physician the following questions:
- Am I due for my Annual Wellness Visit?
- Am I current on Medicare-covered screenings and vaccines?
- Would physical therapy help with my strength, balance, pain or mobility?
- Do I qualify for nutrition, diabetes or weight-management counseling?
- Could I qualify for home health care while recovering from an illness or surgery?
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If you’re unsure what might be helpful, call the member services number on the back of you Medicare Supplement card. Do take advantage of your benefits.
In our neighborhood, we have a momma bear and her cub taking advantage of the trash cans!
That’s my gate bent in backwards. Thank goodness this bear didn’t get into my backyard or my bees would have been their dessert!
Now if you have a Medicare Advantage plan, it may include hundredsāor even thousandsāof dollars in additional benefits. But if you donāt know how to access them, those benefits may expire without ever being used.
Plan benefits vary considerably by plan and county, so look at your summary of benefits (or call the carrier for a copy) and check for:
- Dental cleanings, X-rays and allowances
- Routine vision exams and eyewear
- Hearing exams and hearing-aid benefits
- Over-the-counter product allowances
- Fitness memberships
- Transportation to medical appointments
- Post-hospital meals
- Personal emergency-response systems
- In-home support services
- Flex-card balances and quarterly allowances
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Every plan is different but there is usually something helpful in every plan.
Was it not helpful to teach Justin to like Micheladas (Mexican tomato beers)šš¤ ?
Whether you have Medicare Supplement or Medicare Advantage coverage, no plan is perfect.
Understand the coverage you have, leverage the benefits that will make you better, and then get out there and live this summer, cause life is shorter than you think!
Keep asking,Ā “What’s the next big thing?”
If family or friends need help…Ā referrals are the lifeblood of my business.
If you know someone who might like to receive The Big 65 newsletter, forward this link.
Medicare questions or problems?
Book a time on my calendarĀ or email Gray,Ā Gray@theBig65.com.
Let us know whatās going on and please send pictures :).
Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in over thirty states from around the country, including:
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Michigan
Mississippi
Missouri
Montana
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Virginia
Washington
Wisconsin
The Big 65Ā Medicare Insurance ServicesĀ does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not Sure Which Medicare Plan Is Right for You?
Medicare is complicated, but you do not have to figure it out alone. With over 20 years of experience, Karl Bruns-Kyler can help you compare plans, avoid costly mistakes, and find the coverage that fits your needs and budget.
Call (877) 850-0211
Or schedule a free consultation at a time that works for you.
There is never a charge for my services. Your premium is the same whether you work with me or go direct.
Disclaimer: We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.