Life Lessons from Jim & Hughey

I hope this note finds you well despite the madness of the times.

You know how eagerly I’ve been looking forward to spring.

I’m a total wussy when it comes to cloudy weather, that’s why we left Ohio.

We miss all our amazing Buckeye friends, but not the weather 😊.

So when snowed it all over our flowers the other day, there was only one solution…

Go play in the snow, and I’m so glad I did, because I met my role models for life, Jim & Hughey.

Click on the picture above and learn the simple life lessons they confirmed me for me.

Despite respiratory issues and just plain getting older, Hughey and Jim inspired me. They keep looking for adventure and don’t let aging get in the way.

I didn’t even notice till we got off the ski lift that Jim is still telemarking, the hardest form skiing.

That’s message for me, wake up or die!

As we age into Medicare, of course there are problems, aches, illnesses and issues, but if we focus on what we can do instead of what we can’t do, it makes all the difference in the quality of our lives and the lives of those around us.

That’s it for this week.

If you have Medicare insurance questions, click here to schedule a meeting.

How to avoid loss AFTER an auto accident!

I hope this note finds you well, despite the madness of the times.

The snow may never stop here in Colorado and Ohio, but I’m hearing from clients in Virginia, the Carolinas, Texas and Florida that spring is a comin’ 😊.

So if you’ve got nice weather, send it our way.

This week, my neighbor Cesar was in a nasty fender bender.

He didn’t get hurt, but if my other neighbor Sally hadn’t passed this advice from Gary Allen Foster, Cesar would have been taken for ride.

Click on the picture  above to learn how to avoid being ripped off on an auto claim.

If you are involved in a car accident, you don’t have to use the insurance company list of preferred auto repair shops.

Be sure to seek out quotes from well rated independent auto shops.  That way, they’ll be working to please you, instead of the insurance company!

Hopefully all the Medicare ads trying to scare you are finally calming down.

I am always happy to review your Medicare insurance questions, but especially if…

  1. You’re newly eligible for Medicare.
  2. You recently move out of your county.
  3. You’re having Medicare billing problems.
  4. Your drugs are super expensive.
  5. Your doctor has stopped taking your Medicare insurance plan.
  6. Your Medicare Supplement Insurance premiums have gone way up.


If ANY of these apply, we need to talk now and you can click here to schedule a meeting.

If NONE of these apply, the normal time to review your coverage is October till the end of March.

So ignore the noise and go plant some flowers (preferably in my backyard 😉.)

Talk soon!

Is it time to move?

May this note find you well despite the madness of the times.

Spring has sprung and it feels great and hopeful to be out in the sun 😊.

So as we were cleaning flower beds, putting down some mulch and deciding if we need to repaint, my wife Q blindsided me with a question.

Is it time move?

It so felt strange to even think of leaving this home, this place we love and where we raised our kids but…

She was right.

In my practice is a Medicare Insurance Broker, I often speak with long time clients who have ignored this question for far too long and then SUDDENLY find themselves overwhelmed and forced to move when their health goes south.

Check out the video and find out what you need to think about.

The good news is that, with planning, many homes can be modified in advance so we can age in place and  live where and how we wish.

Setting up a support system using trusted relatives, a geriatric care manager, legal planning and the right insurance and financial counselors may mean that you can stay in control of your life and your home but…

You need to do the planning BEFORE you need it, otherwise it’ll be ugly for you and your family. This article is a great start.

If you have questions about Medicare Insurance,

Click here to Schedule a Meeting with Karl

It’s time to get out!

I hope this note finds you well despite the madness of the times.

Hopefully your Medicare coverage is working well.

If not, feel free to book a time on my calendar and get your questions answered.

In the meantime, click on the picture above and to learn what you can do to make life better.

It is that simple, get vaccinated and start living again.

There are so many nature centers and natural parks that are waiting to be explored.

Remember that Seniors, even super healthy ones are more at risk than the general population.

So protect yourself and start living well.

How to Avoid Medicare Marketing Scams!

I hope you are having a great week..

Spring has finally sprung and I’m hearing from clients all over who are happy to be outside because…

They are sick and tired of all the Medicare Ads!

TV ads, telemarketers, and spamming email.

Unless your medications have changed, your doctors have changed, you have a friend with a great benefit or you are moving…

IGNORE all the advertising because it’s designed to scare you into connecting with a call center that has only one mission:

Make you switch plans whether it’s appropriate or not.

The best way to make sure your coverage is up to date is to have an independent Medicare Insurance Broker, like me 😊!

Any time you have questions, we can review your coverage and get your questions answered.

And it’s easy, just  schedule a meeting on my calendar and we will review your options, even if things are fine.

And remember, I’m here if you need me.


Would you retire overseas?

I hope this note finds you well and staying safe despite the madness.

As a Medicare Insurance broker, I speak with retirees every day doing their best to make their retirement go farther.

Find out how Chase to took his retirement overseas to reduce his costs and improve the quality of his life.

Living abroad is definitely not for everyone, but many Americans are doing so and loving it.

Here’s a great article with the pros and the cons of retiring abroad.

Meantime, if you have questions about how Medicare works, in the US or overseas, click here to schedule a meeting.

Have a great week and call me if you need me.

Do you need Extra Help with Medicare?

I hope this note finds you well and your Medicare coverage doing what it is supposed to be doing…

Keeping down your Medical Costs!

Every week, I speak with Medicare consumers and we discover they are leaving Medicare Money on the table!

Click on the picture above to find out if you are eligible for Extra Help, LIS.

Here’s the bottom line, most people will not qualify for Extra Help or the Low Income Subsidy.

However,  if your income is low and you don’t have much in savings, check out these two links:

Learn about the Low-Income subsidy HERE.

Apply for Social Security’s Extra Help HERE.

If you have questions about Medicare feel free to Schedule a meeting right here.

I am always happy to answer your questions about Medicare Insurance Options

Perspective is everything

I hope this Medicare newsletter finds you well, wherever you are and whatever your situation.

One year since the pandemic began, can you believe it?

Talking with Medicare clients all over the country, it’s been a challenging  year for so many:

Illnesses, lost finances, isolation from family and friends…the list goes on.

What’s amazing to me has been watching some of my clients hardest hit by the pandemic actually thriving and find new meaning in their lives.

Victor Frankel, the concentration camp survivor, psychotherapist and author summed it up best:

“Ultimately, man is not subject to the conditions that confront him; rather, these conditions are subject to his decision. Wittingly or unwittingly, he decides whether he will face up or give in, whether or not he will let himself be determined by the conditions.”

My wife says I’m a broken record, but I’ll say it again anyway:

It’s NOT what happens to us but HOW we choose to respond to life’s trials, that makes all the difference!

Many of you know that my older brother severed his spinal cord several years ago in a biking accident but he did not let this traumatic event define him.  Robert continues to practice medicine, to learn new things and to inspire everyone in his life. He continues to be my role model for dealing with adversity.

Check out this article on dealing with adversity.

That’s it for this week.  Book a time here on my calendar  if you or your friends have questions about Medicare or call the number below.

Stay safe, look for ways to help others and be well!

How to Delay Dementia

As I chat with Medicare clients all over the country, there is one resounding fear I hear again and again…

The fear of developing Dementia or Alzheimer’ Disease

It is a valid concern and some of us will suffer from it, no matter what we do.

The good news is there are things every one of us can do to delay the progression and onset of cognitive decline.

Exercise, monitoring blood pressure, cognitive training and the Mediterranean diet can all have a huge positive impact and delay the progress of dementia and Alzheimer’s.

Click on this article from the National Institute of Aging and learn how impactful a health diet can be!

And if you have questions about Medicare Insurance Coverage, Click here to schedule a meeting with Karl
at the Big 65 Medicare Insurance Services.