How Not To Drive Each Other Crazy

Hello and may this blog find you in great health 💪 with your Medicare insurance coverage  working properly.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

Lynne sent this picture of Mike in North Carolina to confirm they received the last of our honey. These two have been pulling an RV for years and when Mike and I aren’t talking about college football (or Medicare), he’s telling me about their adventures and what’s up with friends.

Mike in North Carolina holding sweet honey from The Big 65 Medicare Insurance broker.

It’s a privilege to interact with clients like Mike and Lynne who really are squeezing the juice out of life. I don’t mean to suggest their lives are perfect, yet they’ve found a way to enjoy retirement together. My perception is they are still rooting for each other, even after many years.

We know that “getting old ain’t for sissies.” This blog is about the challenges all couples face in not driving each other crazy. Are you ready for this journey through the “Heart of Darkness😄?”

A dark scene from The Big 65.

For years, most of us dream of crossing the retirement line and entering the promised land and having control of our time. But after we get what we think we want, things change, right?

When the retirement honeymoon ends, the joy of time freedom can fade and the new reality of life sets in.

According to this article, many couples struggle to find relationship equilibrium in retirement. Divorces are rising as boomers seek self actualization and re-evaluate our lives and our marriages.

This isn’t always an easy transition and it sometimes requires purposeful navigation through new and surprisingly uncertain waters.

Boatman navigating waters at night from the helm of his boat.

Retirement can cause an identity crisis for those who were very involved in their careers. Without the daily distractions of work, deeper marital problems can become more obvious.

Couples often face financial worries, with different attitudes towards spending and saving becoming more pronounced.

Many couples then struggle with the changed dynamics. Getting used to spending much more time together in the same space requires adjustment. Are you hiding the sharp objects 😄?

These new paradigms can strain marriages unless couples actively work on adapting and supporting each other’s new roles and interests. So there is hope!

Bird on top of a sign.

Here are some ideas:

Communicate Openly:  Talk honestly about feelings and expectations.

Enjoy Activities Together:  Share hobbies and interests to stay connected.

Maintain Independence:  Support each other’s need for personal space and solo activities. (Guess who went to a Long Term Care conference without Q?)

State capital with beautiful and colorful spring flowers.

Other steps to consider:

Adjust Roles:  Discuss and adopt new household roles and responsibilities together.

Plan Finances Together:  Manage money jointly to avoid stress.

Provide Emotional Support:  Be there for each other during emotional ups and downs.

Stay Socially Active:  Keep up with friends and make new ones.

Consider Counseling:  Seek professional help if needed to resolve conflicts.

Stay Active:  Engage in physical activities together for better health.

Set New Goals:  Plan for future projects and dreams together.

Small adjustments over a long period of time lead to amazing results. Nothing happens overnight. Just like Bobby’s eggplants, good things take time, right?

Bobby tending to his eggplants.

I’ve heard from several clients that they’ve found a bit of help with their medication costs after emailing Cori at The Canadian Medstore in Florida.

If your drugs are getting pricey, do click on this link to send her an email. Add your prescription name, dosage, and how many you take daily and they may be able to help. For some, it’s been no help, for others, it has saved them some money.

Marcos and Karl together.

After the Long Term Care insurance conference, I had the pleasure of visiting Marcos, a life long friend that makes me better. It’s always good to see people you love and stay connected.

Equally fun, I spent time with our niece Lisle in Chicago. It’s so fun to see the young uns growing up. Who do you need to connect with next? Please don’t wait, the clock is ticking.

Lisle and Karl in Chicago.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky

Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

Two out of three is bad!

Hello and may this note find you in great health with your Medicare insurance coverage working properly.

Are you about to hit the donut hole with your medication costs? Before you do, click on this link to send an email to Cori at The Canadian Medstore in Florida. Add your prescription name, dosage, and how many you take daily and they may be able to help. No guarantees, but it’s always worth shopping.

Remember, if you have a Medicare question, email Gray@TheBig65.com. If there’s a big problem with your coverage or you want to shop your premiums, please book a time on my calendar and we’ll do our best to get it sorted, promise.

Plato in the snow in Colorado.

Last Saturday gifted us with four inches of snow, not what you normally expect in late April. Life’s like that, right? Surprises are the norm.

Fortunately, Plato is a very flexible beast and it didn’t bother him a bit. He let me know that snow is a good thing, just to watch out for the yellow spots.

Plato playing in the snow in Colorado.

Colorado has three hundred plus days of sun each year so the snow disappeared fast. We ran into a gaggle of doodles, the perfect illustration for today’s message on:

Preparing for the unexpected.

Plato and his friends playing in Colorado.

If you’re over 65, the odds of needing Long Term Care are over 70%. That means two of every three of us may need care at home, in assisted living, or in a nursing home.

And before you say, “It’ll never happen to me,” 40% of all claims happen to people well under 70 and they are caused by accidents:

• Slipping
• Tripping
• Falling
• Car Wrecks

Just like a surprise snow, we never know what can happen.

Plato sniffing his friend at the park.

On average, women need long-term care for about 3.7 years, while men typically need care for about 2.2 years (A Place for Mom).

The costs can be steep, with a private nursing home room averaging over $108,000 a year. In 2023, long-term care insurers paid out a hefty $14.1 billion in benefits, showing just how critical these policies are for many families.

Cute dog on the back of a bike.

To avoid depleting your savings due to long-term care costs, book a time on my calendar to see what options are available.

Long Term Care Insurance is not appropriate for everyone, but for some it can make a world of difference and you can ask about the newest alternative care plans that may be just the thing for you. Remember, Samson (above) doesn’t want to be an orphan.

Plato looking up at an envelope held by a hand.

Sadly, I just shipped out the last of the The Big 65 honey. Mike & Lynne promised to share it with all their friends in North Carolina. If you are near Boone, keep an eye out for Mike, he’s a big dude! Also, keep your fingers crossed our bees do well again this year.

Two pickleball players ready to hit the pickleball!

Congrats to Tina in Tucson for overcoming a broken wrist back in January and returning to competitive pickleball. Repeat after me everyone:

“Gettin’ old ain’t for sissies!”

And finally, Happy Birthday to client/neighbor Becky. Her husband Joe continues to be a very lucky man.

Becky about to blow out her birthday candles.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

Change is coming

Buona giornata and may this blog find you in great health 💪 with your Medicare insurance coverage 🏥 working properly.

Remember, if you have a Medicare question, email Gray@TheBig65.com. If there’s a big problem with your coverage or you want to shop your premiums, please book a time on my calendar and we’ll do our best to get it sorted, promise 😊☎️.

Well, Q took this picture while I was working and even though this looks like Venice, we are far from Italy.

Venice reproduction scene in Las Vegas.

We’re not in France either. We drove about 900 miles to attend a conference, guess where?

Eifel Tower reproduction in Las Vegas.

That’s right, viva Las Vegas! This was our first visit in almost 30 years. Don’t worry, I didn’t spend a single dollar gambling. As soon as the conference ended, we got the heck out of Vegas!

Most importantly, I learned a ton about upcoming changes in Medicare and some great ways to save money on medications.

People going to the Medicare Con conference in Las Vegas in April of 2024.

Finding affordable prescription drugs is one of the most challenging issues Medicare consumers face.

Whether you are in a Stand Alone Part D drug plan or a Medicare Advantage Plan with drug coverage, here are some steps you need to take to make sure you aren’t being over-prescribed and over-charged so you don’t fall off a cliff in Utah:

Karl Bruns-Kyler looking over a cliff in Utah.

• Every time you go to your doctor, grab a ziplock bag with EVERY ONE of your medications.

• In your appointment, pull out all of your medications in front of the doctor.

One by one, have your doctor confirm that you still need to be taking them all.

• According to a recent article, many Americans are taking more than five prescription drugs and this can lead to complications.

Quantz walking between two large rock structures.

If you are prescribed a new medication or need to refill an existing one, take the following steps:

Make sure you visit a preferred network pharmacy.

Ask your pharmacist if there is a generic alternative.

Compare the cash price (what the pharmacy would charge w/o insurance) versus how much you would pay if you used your insurance.

Check the cost of the medication using GoodRx, Amazon, and Cost Plus Drugs.

You have to be a savvy shopper or you will get lost in the wilderness.

Majestic mountains in the distance.

Now it’s possible you’ll do everything right and your drugs will still be obscenely priced. While at the conference, I learned about a company that might be able to help us reduce the cost for some medications.

Cori Allen of Canadian Medistore.

Meet Cori Allen, Regional Manager for the Canadian Medstore… based in Temple Terrace, Florida. This is an American Company that helps consumers legally source prescriptions domestically and internationally.

Canadian Medstore.

This will NOT replace your prescription drug coverage and you need to do your own due diligence, but it may be a helpful tool to reduce the cost of some of your prescriptions drugs (Sally, this means you).

So, if you are in a tight spot with your medications and you’ve tried everything else…

Quantz balanced between two rocks.

You can click on this link to send an email to Cori.  Add your prescription name, dosage, and how many you take daily and they may be able to help.

Be sure to deal directly with Cori and please let me know if you have any success.

Plato with a new friend in Colorado.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

Do you really need to take a statin?

Greetings and may this blog find you in great health with your Medicare insurance coverage working properly.

Remember, if there’s a big problem with your coverage, please book a time on my calendar. If it’s a quick question, email Gray@TheBig65.com and we’ll do our best to get it sorted, promise ☎️.

Well, it’s a wet, windy day here in Colorado. Plato was in desperate need of a grooming session. Q said he was bringing in too much debris every time he went outside so off to the groomer he went.

Plato and Quantz together in Colorado.

I prefer him with long hair, but life’s all about compromises, right?

I’m not a big fan of going to the doctor (or the groomer), but I am a total believer in preventive medicine, stopping small problems from becoming big ones. Clip the hair before it becomes knotted, visit your primary before uncontrolled cholesterol sends you to the Emergency Room.

Today, let’s dig in on cholesterol and statins.

Plato back from the groomers and looking fine.

According to this article, roughly one in four Americans over the age of 40 are prescribed a statin to reduce cardiovascular disease.

A happy gentleman holding a fish in the middle of a river.

Many patients hesitate to take statins due to potential side effects like muscle pain or diabetes risk, leading them to seek over-the-counter supplements like plant stanols/sterols, red yeast rice, niacin, fiber, and fish oils containing omega-3 fatty acids (see Jason’s freshly caught fish above).

Haas in the Shenandoah Valley holding a Morel mushroom.

Now you can live a healthy life, like my little brother Haas, and go out into the Shenandoah Valley and hunt your own Morel mushroom (just remember the leading cause of death to mushroom hunters is poisonous mushrooms). Morel mushrooms do have compounds that may reduce the oxidation of cholesterol. Sadly, mushrooms alone may not be enough.

Research indicates that while some supplements may slightly reduce cholesterol, they’re not as effective as statins and lack evidence in reducing the risk of heart attack or stroke.

A gentleman enjoying his backyard in Colorado.

A study in The Journal of the American College of Cardiology found that statins reduce LDL cholesterol by 38% on average, whereas the most effective supplement, red yeast rice, only reduced LDL by about 7%.

Of course, I still have a cognitive bias about raw honey. Some studies say it may slightly improve blood sugar and cholesterol levels. Regardless, be sure to have a heart to heart with your Primary Care provider.

Beekeepers working with bees in a backyard in Colorado.

You may remember that last week we split the hives and sent the Queens north to start new hives (this is done so that the existing hive doesn’t grow too big and swarm to a new location.) Once the Queen is removed, the hive gets busy creating Queen cells to produce a new Queen

Shava the beekeeper holding bees.

I’m happy to report the hives are looking good and we should have new Queens shortly, We hope to have even more honey to share with clients this September, keep your fingers crossed! No prescription required.

Honeybees in the honey comb.

I had to laugh at this picture of our Air Force son Nicholas from years gone by when he was still a twerpasaur. We’d been on a road trip somewhere in the Midwest when he picked up this moustache at some novelty store. He thought it was the coolest thing.

Nicholas as a young kid wearing a fake moustache.

Fast forward eighteen years and Nicholas texts us this picture of himself working on the flightline at 3:00 AM on a US base in Britain, with the same dang moustache. No matter what you do, the young uns grow up and do what they gotta do.

Remember all of our soldiers in your prayers. They are working hard to protect our freedom.

Nicholas as a young man working at 3AM with his natural mustache.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

What doesn’t kill us …

Greetings  and may this blog find you in great health 💪 with your Medicare insurance coverage working 🏥.

Problems, questions? Please shoot an email to Gray@TheBig65.com. If it’s serious, book a time on my calendar. We’ll do our best, promise 😊☎️.

Did you see the eclipse?

The solar eclipse, 2024.

Plato and I didn’t see squat of the eclipse here in Colorado, but it did give him an excuse go next door and to say “hey” to Sally.

Karl's neighbor Sally with Plato.

Meanwhile, Shava and I were out back checking the health of 60,000 of our dearest friends. The bees thrived this winter so we’re splitting the hives, sending the established queens to the country and making space for the new queens.

Shava and Karl working on the bee hives.

When you remove the Queen, the hive has to get their act together to produce a new Queen quickly. I so appreciate Beekeeper Shava’s guidance to make sure I don’t screw things up…with the hives, or elsewhere.

Shava holding the bees.

Fortunately, my Queen bee Quantz is fearless and she keeps me connected. Which brings us to today’s blog – watch out for loneliness.

Quantz examining the bee hives.

Bees have a built-in community, but for us humans, loneliness is an epidemic. Left untreated, it can seriously harm our health.

Studies suggest loneliness can change how the brain and body respond to stress, rewards, and social cues, potentially leading to long-term health problems like dementia.

These are actionable steps we can take to combat loneliness:

•  Ask for Help:  Don’t be shy to reach out to friends when feeling lonely.

•  Be Social:  Join community events or groups to meet people.

•  Get Moving:  Exercise can boost your mood and is a chance to socialize.

•  Think Positive:  Try to see social situations in a good light.

•  Seek Support:  If loneliness feels overwhelming, consider talking to a professional.

•  Stay Connected:  Use calls or video chats to keep in touch with loved ones.

•  Find Your Crowd:  Look for groups that share your interests.

•  Embrace New Friendships:  Be open to making new friends wherever you go.

These are things my buddy Marcel did and it made a world of difference.

Marcel who came to view the solar eclipse.

Marcel lost his partner of 45 years on April 8, 2022. This year, he decided to celebrate the memory of the passing by travelling from the Netherlands to the US (with a group of strangers) to see the eclipse on April 8, 2024.

Marcel's group ready to view the solar eclipse.

Marcel’s group of Dutch & Belgians flew to Texas just to see the eclipse. Because of weather forecasts, they traveled over eight hundred miles through New Mexico, Oklahoma, Missouri, finally to Conway, Arkansas to fulfill their goal.

Solar eclipse time.

Thank goodness they had a plan and their persistence was rewarded. It was only afterwards that Marcel told the group how he honored his spouse by coming for the eclipse. What a great way to celebrate a loss and to create new friendships and adventure.

Friendly people celebrating the solar eclipse in April of 2024.

I was proud of Marcel for getting out of his comfort zone and doing something new. Is there something new you can do to make your life better?

Marcel and Plato taking a break.

Colorado’s next full eclipse will occur in 2045. Marcel says he coming. Will you be here? If you stay connected to others, you’ll definitely increase your chances of attending.

How I do to stay connected? How about a beer with my buddy Gerry, but just one🍺😉, right? Everything in moderation, even moderation 😂.

Karl's buddy Gerry holding a can of beer.

Getting old ain’t for sissies, and sometimes we will feel like crying. Nothing wrong with that. But after we pick ourselves up, my goal is to be like Maddy. This is what her owner says:

There’s no stick too big for Maddy.”

Maddy the dog looking at a big tree.

Keep squeezing the juice out of life and look for ways to help others!

Refer a Friend

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

Have a little heart

Greetings and may this blog find you in great health 💪 with your Medicare coverage 🏥 working properly. How was your week?

Any problems with your coverage? If so, book a time on my calendar or shoot an email to my admin Gray@TheBig65.com. Let us know 😊☎️.

Plato, Q and I had a quiet Easter Sunday at home in Colorado. Sometimes it’s just nice to relax, isn’t it?

Quantz at home in Colorado.

We rose early and breakfasted at The Original Pancake House, our favorite national breakfast chain. Be sure to save up your statins if you order the apple pancakes and the bacon, but man oh man, it’s worth it, three meals from one order. I don’t like their coffee, but we love their pancakes.

Which brings us to today’s topic, heart health.

Karl Bruns-Kyler about to enjoy some tasty pancakes at breakfast.

You don’t have to be a doctor to know that moderation is the secret to good living. Paying better attention to our health is an important part of aging well.

Here are some helpful ideas backed by studies to promote heart health.

Quantz working in the kitchen.

Stay Active:

•  Engage in regular physical activity tailored to your abilities. Even gentle exercises like walking, swimming, or yoga can significantly benefit heart health. How about polishing the silverware?

•  According to a study published in the American Heart Association journal, regular physical activity reduces the risk of heart disease in older adults by 25%.

A cairn located in Colorado.

Manage Stress:

•  Practice stress-reduction techniques such as meditation, deep breathing exercises, or hobbies that bring joy and relaxation.

•  A study published in the Journal of the American College of Cardiology found that stress management techniques can lead to significant improvements in heart health among seniors.

Every time I bike the bluffs, I try to drop a rock on this cairn.

Plato lounging in the back yard with a friend.

Monitor Blood Pressure and Cholesterol Levels:

•  Regularly check your blood pressure and cholesterol levels as per your doctor’s recommendations.

•  Research has shown that maintaining optimal blood pressure and cholesterol levels can significantly reduce the risk of heart disease and stroke in older adults.

Three nice ladies pose for a photo.

Stay Socially Connected:

•  Maintain strong social connections with friends, family, and community groups. Social isolation has been associated with an elevated risk of heart disease and mortality. Tina and her sisters take a weekend trip together every year.

•  According to research published in the Journal of the American Heart Association, seniors who actively engage in social activities have better heart health outcomes. For Luke and Carmen, that means travelling forty three hours from Virginia to Jakarta to spend time with their grandvarmints.

Luke and Carmen with their beautiful family.

Get Sufficient Sleep:

•  Aim for 7-9 hours of quality sleep each night. Poor sleep patterns have been linked to an increased risk of heart disease and other cardiovascular issues.

•  A study conducted by the National Sleep Foundation revealed that older adults who consistently get enough sleep have healthier hearts compared to those who experience sleep disturbances.

Marcel just arrived in the US from the Netherlands to watch the Solar Eclipse. Will you get to see it?

Marcel who just arrived in the US from the Netherlands to watch the Solar Eclipse.

Eat a Heart-Healthy Diet:

•  Embrace a diet rich in fruits, vegetables, whole grains, lean proteins, and healthy fats like those found in nuts, seeds, and olive oil.

•  Research from the American Heart Association suggests that adhering to a Mediterranean-style diet can lower the risk of heart disease among older individuals by up to 30%.

•  My little brother Haas grows a lot of food on his farm in the Shenandoah Valley. This weekend, he’ll be hunting for Morell mushrooms, if the deer and the gobblers don’t get to them first.

A farm in the Shenandoah Valley at sunset.

Caring for your heart is a lifelong endeavor, and we can take proactive steps to safeguard our cardiovascular health. Remember, it’s never too late to prioritize your heart health!

As the famous saying goes, “The best time to plant a tree was 20 years ago. The second best time is now.” Let’s start nurturing our hearts today for a healthier tomorrow.

A candid photo of exercise physiologist and registered dietician Cate Reade in Colorado.

Great news! Due to your responses, Exercise Physiologist and Registered Dietician Cate Reade has agreed to create a wellness webinar on balance for The Big 65. We’ll announce the dates next Saturday. See how excited my brother Rob is 😉😂.

Please email the questions or topics you’d like Cate to address.

Rob and his grandson sit for a portrait.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

I messed up this week and I need some balance

Greetings and may this note find you in great health with your Medicare coverage working properly and Happy Easter Weekend.

I missed client Dan’s email a couple weeks back and I sure felt bad 😔. If you ever reach out and I don’t respond within 24 hours 😳

Please call and leave a message, book a time on my calendar, or shoot an email to my admin Gray@TheBig65.com and he will hunt me down 😊☎️🔫.

This has been a busy week here at home finishing up the month of March. Plato is exhausted 🐶.

Karl Bruns-Kyler at his desk working on Medicare insurance as Plato sits nearby.

I had a wonderful catchup with client Rose and her Great Pyrenees Collie rescue, the amazing Max (of course he’s a Buckeye). She’s a retired nurse and I shared with her about a workshop I attended this week that could make a huge difference in all of our lives. So, please pay attention 🏫 ✏️.

Max the Collie rescue dog.

Cate Reade is an Exercise Physiologist and a Registered Dietitian and the founder of MoveMor. This week she taught a class on “Why We Lose Balance and How We Fix It.”

Balance relies on the sensory systems of our eyes, our ears, and our joints. As we age, we often see those abilities diminish. The good news? Thanks to the brain’s remarkable neuroplasticity, we can strengthen our balance, our range of motion, and our cognitive skills with simple, short, repetitive exercises and training tools.

Cate Reade teaching a class on "Why we lose Balance and How We Fix it

Loss of ankle and foot mobility play a huge part in the loss of balance. Cate shared simple exercise strategies.

•  Take 5: Fix Your Foundation
•  At Home Seated Exercises

During the workshop, she showed us how to strengthen feet, ankle, and leg muscles doing simple, seated exercises.

MoveMor mobility trainer with two feet in black socks.

We know that it’s either use it or lose it for muscles, but I was amazed to learn that, according to third party studies, as little as 10 exercises of 10 repetitions for 10 minutes of seated exercise can greatly improve balance, and that means independence.

Cate Reade teaching a class on balance and mobility.

Cate teaches classes at our local wellness center and to groups across Denver. If you are inspired by her work, please let me know and I will arrange a free webinar if enough people are interested.

Stuart with his Olympic dog.

Balance classes, Yoga, Aerobics, and Strength Training will certainly make you healthier, but don’t forget about the greatest exercise of them all: Walking.

I met retired Geophysicist Stuart out with his Olympic dog, a hybrid Kangal Turkish Shepherd, bred with a South African Boerbol. This fellow can chase down and pin a coyote. He makes Plato look small. Hold on tight!

Longtime client Charles and his lovely wife Phyllis posing for a candid photo.

Longtime client Charles (and his lovely wife Phyllis) stay active in work, church and walking. The important thing – find an activity you enjoy and stay with it.

Vintage photo of client Becky on Easter Sunday in Tioga, North Dakota.

Client Becky shared this picture of her and her brother (both on the left) Easter Sunday where she grew up in Tioga, North Dakota. Were we ever that young?

Sus and Plato together.

By dog years, Plato is almost 63, but he still loves hanging out with the young’uns. I hope you do the same ❤️.

Keep squeezing the juice out of life and look for ways to help others!

Refer a Friend

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Logo for The Big 65 Medicare Insurance Services company.

 

 

 

 

What happens if the system breaks down?

Greetings and may this blog find you in great health 💪 with your Medicare coverage 🏥 working properly.

Please book a time on my calendar if you are having Medicare issues. Anyone on an Advantage plan has till the end of March to make a change if they are unhappy!

Are you getting through your taxes?  It’s QuickBooks time here at home and Plato is not in the mood. He loves the sun and the snow.

Plato watching as The Big 65 works on QuickBooks.

Last weekend, the neighborhood looked like this.

Sun shining on a snowy day in Highlands Ranch, Colorado.

Now the snow is mostly gone and we are definitely thinking Spring.

Plato enjoying spring weather in Denver, Colorado.

Of course we’re always one disruption away from a problem (weather, internet, health) so today, we need to talk about prescriptions and how to make sure you never run out.

Plato chomping down on some Skippy peanut butter in Colorado.

Your grandmother had a well stocked pantry, just in case. Now we are spoiled by 24 hour convenience and Amazon so we are used to having less of everything on hand.

It may be time to build up reserves.

Earlier this year, hackers took over a major healthcare website and prevented physicians from being paid and some pharmacies from dispensing medications.

Karl's backyard beehive in Colorado.

Many pharmacies were able to find work-around options, but some of my clients were in a tight spot.

Dr. Michael Rhodes recommends having an emergency supply of meds on hand, minimally three days worth, ideally 30 days worth and a disaster kit ready.

If you prepare, you’ll be like Jane and have no drama with your Llama.

Jane hugging her llama.

“Ask your doctor for an additional prescription, explain what you’re doing and tell your doctor the meds will be going into storage,” says Dr. Rhodes. “Since many insurance companies will only cover a 30-day supply you may need to pay out of pocket. If your medication is very expensive, ask if there’s a generic substitute you could use in an emergency.”

Group of people sitting at a table.

Check out this article for additional ideas on how to have your emergency medicines ready, but the bottom line…bee 🐝 prepared 😂.

Then go have a cup of coffee☕ with the people you love. This is my old tribe in the Shenandoah Valley. I sure hope to see them again.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… 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 calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Logo for The Big 65 Medicare Insurance Services company.

 

Beware the Snow Ides of March!

Greetings and may this blog find you in great health 💪 with your Medicare coverage 🏥 working properly.

Are you having any issues? If so, reach out and book a time on my calendar.  Anyone on an Advantage plan has till the end of March to make a change if they are unhappy!

Here in Colorado, we are beholding the Ides of March with 30 plus inches and it’s still coming down ❄️. Client Becky around the corner said we came home too early…

Karl Bruns-Kyler shoveling snow in Colorado as Plato the friendly dog watches Karl.

Plato didn’t seem to mind, not one bit. He thinks we timed it just right 🐶.

Plato the friendly dog enjoying the indoors in snowy Colorado.

It was raining ☔ in England most of the time I was visiting our Air Force son. You know your boy is in the right place when he takes you to the Duxford Air Museum when he isn’t working on the base. It was a pleasure to spend time with him and to learn about his adventures. The young’uns sure grow up fast 😲.

Nicholas checking out airplanes and flying machines.

So now that Quantz and I are home and together again, there’s plenty to catch up on, inside and outside the house. She does the mail, the bills, and the inside stuff.

Quantz at home sitting beside the blazing fire and reviewing bills.

My job is outside the house – gutters, yard, and snow removal.

Now, shoveling snow is great cardio, but beware! According to The American Journal of Emergency Medicine, over 11,500 people were treated each year in Emergency Rooms over a 16 year period for snow shoveling related incidents 😱.

Highlands Ranch snow day.

According to another article, “your level of risk largely depends on your fitness level and whether you have cardiovascular risk factors, such as a history of cardiac or vascular disease, obesity, smoking, high blood pressure, high cholesterol, diabetes or another chronic condition.”

If you do choose to take on a physically taxing chore, beware. Snow shoveling “drives up a person’s heart rate and blood pressure. In addition, since the chore requires engaging seldom-used arm muscles while the legs are mostly still, blood tends to pool in the lower extremities. At the same time, cold temperatures constrict the arteries, decreasing the amount of blood and oxygen reaching the heart ❤️🏥.”

Karl Bruns-Kyler shoveling snow in Colorado as Plato the dog watches in delight.

Google “Area Agency on Aging” to find local resources. Many cities have a website like ours to help seniors with snow shoveling.

Of course you could always ask the neighbor kids if they want to earn a couple of bucks.

Make sure whatever chore you tackle won’t cause you to end up in the emergency room. Remember last week’s newsletter on messed up medical billing?

As our daughter Sus said many years ago, when I hurt my back overdoing it in a yoga class “don’t be a hero daddy.”

Plato the friendly big dog in the snow.

When I told my little brother Haas in Virginia about the snow, he couldn’t help but immediately send a pic and rub it in. It’s always good to laugh at yourself, right?

Haas fishing in Virginia.

Largemouth brother catching a largemouth bass 😂🐟. I sure am grateful to have him in my life.

So that’s it for this week. As they say in the musical Annie, “the sun’ll come out tomorrow,” especially if my wife Q is around (and she even helped me shovel), I’m a lucky man. Even money says all the snow’ll be gone by next weekend. What say you?

Quantz shoveling snow in Colorado for The Big 65.

Keep squeezing the juice out of life and look for ways to help others!

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

If family or friends need help… referrals are the lifeblood of my business.

⇒ ⇒ If you know someone who might like to receive The Big 65 newsletter, forward this link to sign up. ⇐ ⇐

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Logo for The Big 65 Medicare Insurance Services company.

 

Get off your high horse!

Greetings and may this blog post find you in great health 💪 with your Medicare coverage 🏥 working properly.

Are you having any issues with your coverage? If so, reach out and book a time on my calendar. Anyone on an Advantage plan has till the end of March to make a change if they are unhappy!

OK, the sky’s not falling, but I am on my high horse, watching out for scams. Despite writing about this last week, we almost got burned🔥.

Karl sitting on his high horse.

My wife Q received this email invoice and asked me if we should pay😱! It’s always worth a second look before you pay a bill and this one was completely bogus.

Bogus invoice from PayPal.

This week, we need to revisit Medical Billing. Now don’t fall asleep 😪. If we don’t pay attention to these common billing mistakes, it could cost us money💰.

Salt flats in the Bolivian Andes.

According to Becker’s Hospital CFO Report, 4 out of 5 medical bills contain at least one minor error.

Quantz traveling.

Not all of these errors result in higher bills, but many do. If there is an error in your bill, according to Medicare, here are a few of things you can do.

Back in Highlands Ranch.

→ Get a detailed bill resent by the provider and check it to make sure the service you were billed for was actually the service you received.

Plato in Highlands Ranch.

→ Ask the doctor for a copy of your medical records and compare this to the bill.

Rembrandt paining.

→ Look up the medical billing codes online. Compare them to your bill. If they don’t match what you got, contact your provider’s billing department.

Medicare insurance broker Karl Bruns-Kyler of The Big 65.

→ Confirm the bill was actually sent to your insurance company. Billing departments sometimes send bills to the consumer instead of sending them to the insurance company.

Museum in Amsterdam Karl
→ Call the billing department and have them submit the bill to the insurance company so that it is processed correctly.

263 sign in window.

→ If you are stuck with an expensive bill, make sure they are charging a fair price and not overcharging you ($200 aspirin). Consider checking FairHealth to get a sense of fair market prices and negotiate from there.

View of Amsterdamn.

→ You can also ask for help from a Patient Assistance program in your state.  Here is a link.

Karl standing in a church.

→ One final tip: “If you’re being admitted to a hospital and asked to sign a document of financial responsibility, write in that you agree only if your care is in network, says Elisabeth Rosenthal, M.D., author of “An American Sickness.” See Consumer Reports.Plaque.

In the meantime, keep squeezing the juice out of life and look for ways to help others!

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

If family or friends need help… referrals are the lifeblood of my business.

Let us know what’s going on and please send pictures :).

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services 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.

Logo for The Big 65 Medicare Insurance Services company.