Paperwork That Matters

May this blog post find you in good health with your Medicare Coverage working properly.  Today, I want to discuss paperwork that matters.  But first …

Aren’t these kids cute? I’m a sucker for dinosaur jammies, must be the grandpa instinct kicking in, eh?

Karl Bruns-Kyler holding cute kids in Vietnam

Many of you tell me about the joy you receive from your grandvarmints and how important they are to you (at least till they start being teenagers).

Some clients hope to leave something to the next generation. Others say their plan is to spend it all and enjoy life to the fullest.

Either way, most of us hope we will never be a burden to our spouses, our children, or our grandchildren. And yet…

I speak with clients REGULARLY who may be leaving their loved ones in a tight spot if they don’t get this right. Click on the picture below to make sure this isn’t you.

If we live long enough, we are going to die. Therefore, it is essential to have these documents in place long before we need them:

    1. Last Will & Testament
    2. Trust (if necessary)
    3. Power of Attorney
    4. Healthcare Power of Attorney
    5. Living Will
    6. HIPAA Release
    7. Letter Of Intent

 

Not having these documents in place can cause terrible difficulties for your family, so take the time to leave them in a good situation.

If you already have them in place, make sure they are up to date. If you haven’t done them, look for an Eldercare Attorney or consider these forms as a starting pointThis is paperwork that matters to everyone.

New friends Tim and Kate in Cambodia with The Big 65.
While travelling in Cambodia, we met and made friends with Tim and Kate, a father/daughter duo from South Carolina exploring the world together.

Tim is and his wife are retired and Kate is engaged and plans to start working when they return from their adventure. What a great way to build a lifelong memory.

Pol Pot Killing Tree_The Big 65 Colorado Insurance Broker

When I’m not working, Q always makes sure we visit places of historical interest. In Cambodia, we visited the killing fields where millions were killed by Pol Pot and the Khmer Rouge. It was such a sobering experience and an important reminder of how things can go wrong in the world.

Chum Mey, typewriter repairman with Karl Bruns Kyler and The Big 65.

In the capital, Phnom Penh, we had the privilege of meeting Chum Mey, a typewriter repairman, and one of only seven (out of 20,000) who survived Pol Pot’s murderous prison, S-21. The reason the the seven were kept alive is they had specific skills the Khmer needed. What a miracle to have survived. Chum is such an inspirational person and so kind despite the darkness he lived through. What a lesson for us all.

Man watering garden in Vietnam.

We have so enjoyed getting out of the cities and seeing the countryside.

Farmer with small crabs in Vietnam with The Big 65 Medicare Broker.

Asia is graying faster than almost any other part of the world. People are working longer and also staying active, which is a good thing. This farmer showed us the small crabs she gathered from the dry rice paddy on her farm.

Oliver the owl in Vietnam with The Big 65.

While visiting some caves near Luang Prabang, we met a group of children illegally selling wildlife to tourists. Buying this owl, we named him Oliver, was probably the wrong thing to do, he cost three dollars, but we did it anyway.

Oliver the owl on balcony with The Big 65.

We brought him back to the hotel and uncaged him on the balcony (of course he bit Quantz, because no good deed goes unpunished.)

Oliver stayed till night fall and then disappeared. Of course it won’t change the world, but it made us feel better.

Vietnam scene_Karl Bruns-Kyler of The Big 65.

That’s it for now. The reason I’m here is to make sure your coverage is working the way you expected it to be working.

So if you’re having issues, and you’ve already called your insurance carrier, reach out to Gray, my right hand man, Gray@thebig65.com, and we’ll make sure things get taken care of.

PLEASE forward this newsletter to anyone you know who needs help with their Medicare coverage.


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
-Robert B

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 twenty-two states around the country, including:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”

The Big 65 Medicare Insurance Broker logo


 

One Of My Favorite Ted Talks

One of my favorite TED Talks …

The 4 phases of retirement | Dr. Riley Moynes  |  TedX Talks

Dr. Moynes interviewed hundreds of retirees and from those interviews, he recognized the four phases of retirement.  This is a great Ted Talk for anyone who is retired or considering retirement. 


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

Here’s a Thought For Today

Happy Holidays to you and your family in this week of remarkable subzero cold all over our country.

Plato wearing a sweater for The Big 65 in Colorado

Plato and I have been shuttling kids to the airport. Santiago, one of our former exchange students, returned to his family in Puebla, Mexico. Q has enjoyed having a son at home to spoil (while our son is overseas in the Air Force). I enjoyed our ping pong games (even though he crushed me) and our walks with Plato. It’s good to be active.

Santiago with Q and Plato_The Big 65 Colorado

Florence, my wife’s cousin’s daughter, returned to France to spend Xmas with her family. Plato is happy to report she will return in the New Year to continue her volunteer year at the inner city music school in Denver. It is always a joy to watch young people growing into their lives.

Florence and Plato at the Denver Airport_The Big 65

In catching up with Medicare clients all over the US, I am reminded that the only thing certain in life is change.

Daily, I hear stories of great sadness, struggle and separation, but also stories of hope, transformation, of families reconnecting and retirees re-inventing themselves and creating new adventures.

Jack, Adrienne, Shirley, and Winston_friends of The Big 65 Medicare Insurance Broker

“Gettin’ old ain’t for sissies!” And even though clients like Jack, Adrienne, and her mom Shirley make it look easy (sitting next to 17 month old Winston the doodle, who, for the moment is staying out of trouble), life will always be a challenge.

People will disappoint us. The world will get crazier. Traffic will get worse. Inflation will continue. Medicare will get more confusing and we’re all gonna die, eventually.

But don’t give up hope! Keep your eyes on the things that bring you joy. The highlight of my busy season was a beautiful, delicious cake, lovingly baked and sent to our home by Lorna, a client in New York. Quantz and I have been enjoying generous slices with tea in front of the tree every afternoon of this very cold week. Take joy in the small quiet moments of life.

Karl Bruns-Kyler holding cake from Lorna in New York_The Big 65

So, in the dark, cold days of winter…

Highlands Ranch, home of The Big 65 Medicare Insurance Broker

Give thanks, let go of old grievances, laugh out loud, kiss someone you love and look for ways to help others.

Plato of The Big 65 rests

I give thanks to each of you and for the privilege of being your Medicare guide.

Wishing you robust health and joy filled holidays!

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

 

Most Senior Dental Insurance Is Crap

Holiday greetings to you and your family. Things are quieting down in the Bruns-Kyler house, but that doesn’t mean we’ve stopped dressing Plato in absurd holiday costumes.

Fortunately, Plato will do pretty much anything for pretzels! He is a chow hound.

Plato knows most retiree dental insurance stinks

As it’s almost the end of the year, I’ve been getting a ton of calls about dental. If you want my honest opinion about why most senior dental insurance stinks, click on this link or the pic below.

In talking with dentists and clients, the reality is, most of the dental plans don’t offer remarkable value. Most plans are slow to pay and hard to use, though some are ok.

If you are in need of dental, talk to your dentist’s billing person to see which plans they accept. Also ask them if they have an “in house” dental plan. Dentists that offer them will usually charge a consumer $200-$400 a year for cleanings, x-rays and a 20% – 30% discount off the work.

Here’s a link to one of the better plans I work with, Ameritas. If your dentist is in network, this plan is ok (I’ve been using it for a few few years and it works alright).

Better yet, if you need a lot of work, and you are adventurous, consider finding a dentist in Costa Rica. This is NOT AN ENDORSEMENT, just a suggestion.

The bottom line, do your research or give me a shout. Here’s an article from investopedia about plans.

Joe and Becky and friend celebrate Festival of Lights_The Big 65

After last week’s newsletter, I was pleased to see that great minds think alike. Clients Joe and Becky took friends to the Festival of Lights and had themselves a grand old time.

Here in Denver it’s been cold as the dickens. We took Plato up to the mountains it was 9 degrees, and it didn’t bother him!

Plato and Karl of The Big 65 playing in the Colorado snow

It’s been a pleasure having Santiago, our former exchange student, visiting for the holidays. He was excited to try skiing.

Santiago in the Colorado snow_The Big 65 Medicare broker

For the past few weeks, he’s been destroying me at ping pong, so I took guilty pleasure in watching him struggle a bit, though he definitely improved.

Santiago on skis_The Big 65 Medicare insurance broker

No doubt, one of the highlights for him was attending the Nuggets game against the Jazz. Of course he enjoyed the game, too ;).

Santiago enjoys Denver Nuggets vs Jazz_The Big 65 Medicare insurance services

Perhaps you remember Cesar, on the right, below. Our son met Cesar when they worked together in a Cuban restaurant while Nicholas was in high school (before he joined the Air Force.)

One day, our son Nicholas called me from work when I was on the East Coast visiting family and said:

“Hey Dad, I met this really nice kid, Cesar, from Guatemala. He says he’s 22 but I think he’s only 17, will you and Mom teach him English?” Nicholas rarely takes to others quickly so I said “OK.” When I got home from Virginia, Quantz had already invited him to live with us.

Every night, after his work in the kitchen at two different restaurants, Cesar and I would sit at the kitchen table and practice English. It was slow going, Cesar only finished basic school, but over time, he learned our language.

Cesar ended up living with us for four years, always sending money home to his mother, and of course, he became one of our sons. Over that time, he progressed from busboy, to food runner, to a full fledged waiter and now he speaks beautiful English and lives on his own.

My parents were both immigrants from war torn Europe and I give thanks for the privilege of being born here. Clearly, we have an absurd immigration system that desperately needs reform.

Nevertheless, our great nation was built with the blood, sweat, tears, and dreams of immigrants. I will support anyone who is willing to work, who fights to improve the life of his family. I so admire this young man and the life is he building.

Remember, “there is no them, there is only us.”

The Big 65 celebrates Medicare in Colorado

Thanks to my buddy and client, David L, for sharing this great way to approach life.

David L_Words of Wisdom_The Big 65

One week till Christmas, what will you do to make this world a better place? It can be as simple as a smile to the stressed out cashier, or not flipping off the person who cuts you off in traffic.

Forgive others, expect the unexpected, maintain a joyful heart, laugh as much as you can!

Never underestimate how your actions can change world, even now.

Share this blog post/newsletter with your friends and call me if you need me


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

 

The Big 65 gang celebrates_The Big 65

The Annual Election Period ended December 7th but …

May this blog post/newsletter find you in good health with your Medicare coverage working properly.

The Annual Election Period ended December 7th and Plato is ready to dance!

Karl and Plato dancing_The Big 65 Medicare Insurance Broker

It was a pleasure to catch up with so many of you all over the country and I am excited to have a little down time.

Karl and Plato watch soccer_The Big 65

Even though most of my teams are out of the World Cup, I’m having fun seeing some of the games now.

The Annual Election Period ended December 7th but … just remember, if you meant to book a time but didn’t, we can still review your coverage and put an action plan together for next year.

Don’t be like Georgia and hold it in (Georgia dug up and swallowed a mole). If you are having issues, please reach out.

Georgia-Friend of The Big 65 Medicare Insurance Broker

The end of the year is always a perfect time to look back and consider opportunities to make small changes that can improve our lives and the lives of everyone we touch.

This article captures some of the bigger ways to live well but this quote below says it all:

Ashley Montagu on aging_The Big 65

We get smarter as we age, but if we are not careful, we get crankier. Our logical minds focus on everything that isn’t working well instead of the things that are working well.

I could get angry and blame the Air Force for cancelling our son’s vacation or…

The Big 65 Celebrates in Colorado_The Big 65 Medicare Insurance Broker

I could give thanks that one of our former exchange students surprised us with a visit from Mexico. Santiago just finished his fall semester at the University of Puebla studying business.

Having him around has been great fun: playing ping pong (now he beats me), hiking and maybe skiing next week. I’m doing my best to keep up and Q is making sure Santi eats like a king (which means the house is filled with good stuff she would only get to spoil our kids.)

The static wall sit is the only thing I’ve beat him at so far!

Santiago, Karl, and Plato_The Big 65

The purpose of this newsletter is to helps us stay in touch and to inspire each of you to live your own best life. You don’t need to read it every week, just know it’s here so you can get a hold of me when you need me.

I’m constantly inspired by my brother Robert. He severed his spinal cord four years ago, but instead of defining him, this event has been a catalyst for growth. I will not minimize how challenging it has been, but Robert still practices medicine and is more connected to his patients and life as a result of this experience. He continues to push himself mentally, physically and spiritually.

He is my role model. This is him on the beach of Lake Erie over Thanksgiving.

Robert Kyler by Lake Erie_The Big 65

As we continue into the holidays, look for joy and adventure in every encounter. It’s not what happens to us but… how we choose to respond.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

Annual Election Period Ends Soon

Plato is channeling how yours truly feels during the Annual Election Period which ends soon.

If you’ve already updated your Medicare coverage (or you are happy) you don’t need to do anything, but…

If you are a procrastinator, the end is near for making changes so book a time on my calendar.

PLato rests_The Big 65 Medicare Insurance Broker
It’s been a delight catching up with so many of you and updating hundreds of plans. Most people don’t change, but some do.

I’ve added extra hours so I’ll do my best to squeeze everyone in! You can see my motto below.

Plato in the snow in Colorado_The Big 65

This week, I read a fascinating article on Alzheimer’s. Many people believe if you are diagnosed, there’s nothing you can do, but this isn’t true! Studies have shown that identical twins with the same Alzheimer’s diagnosis had vastly different outcomes if they were proactive in their approach. Puzzles, diet, exercise and engagement with others make a huge difference.

It is amazing that Alzheimer’s can be slowed down and the same is true of Parkinson’s. It’s amazing how much we can affect our own lives and the lives of others with small actions.

Qs birthday in Colorado_The Big 65

We celebrated Q’s birthday yesterday. I am the luckiest guy on the planet, even after 34 years, I give thanks for this amazing woman. We’ll celebrate after the busy season ends on Wednesday.

And I’m going to feel like this!

Karl jumps for joy in Colorado_The Big 65

I’ll be super happy when I’ve taken care of every one of you!

In the meantime, feel free to forward this blog post/newsletter to friends and family with Medicare questions!  Referrals are the lifeblood of my business.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here

Medicare Supplement or Medicare Advantage Plans – Which Are Better?

May this blog post/newsletter find you in good health with your Medicare insurance working properly. 

Thank goodness, less than two weeks left in the Annual Election Period.

Most of the promises are bogus, but if you do have questions, feel free to book a time on my calendar.

In the meantime, Dan and Sam hope everyone had a…

Dan and Sam with Happy Thanksgiving sign_The Big 65

Today, I’ll touch on the question: Medicare Supplement or Advantage Plans – Which Are Better?  But first … 

In reviewing plans with clients all over the country, it has been fun to hear how different folks celebrated the holiday.

You can tell by the smiles that Jack, Adrienne and her Mamma lived large and enjoyed the day. What a handsome family.

Jack, Adrienne and her Mamma portrait_The Big 65

One of the questions I get every day is:

Medicare Supplement or Advantage Plans – Which Are Better?

Honestly, it’s kind of like asking which is better, being Catholic or being Protestant?

My job is to present the good, the bad, and the ugly of each type of plan. Much depends on how you use healthcare services.

I love the simplicity of Medicare Supplements, but I dislike that the premiums continue to rise.

I love the value based model of Medicare Advantage plans, but I dislike how hard it can sometimes be to navigate the networks.

Each person’s situation is different so the important thing is to draw your own conclusions. If you want to go deep, here’s an interesting article.

Karl, Quantz, and Plato - Thanksgiving fun_The Big 65

Thanksgiving in our house was pretty quiet. Florence, our exchange student, was out of town, Sus, our daughter traveled on Thanksgiving, so we ate ham and postponed the dinner till after my busy season.

Sus did stop by the evening before Thanksgiving and crushed me in board games. Remember when you used to let them win? The tide has shifted :).

Sus dominates on board game_The Big 65

Perhaps you know the value I place on trying new things, keeping your brain active, living a life of service? Well, I’ve started a new hobby, tutoring English.

Karl online teaching English_The Big 65

Every Sunday morning, I share a screen with my French faux grandchildren (the sons of our first exchange student from twenty years ago) and we practice English. It is exhausting and fun. What are you doing to improve the lives and the brains of your grandvarmints?

If you don’t have grandkids, there are plenty of local programs desperate for volunteers. Okay, I’ll say it again (Q says I’m a nag) but, the secret to living well is living for others.

Frog tree from Karen in Michigan_The Big 65

Now we move on to Christmas. Client Karen in Michigan sent this picture of her frog tree. Years ago, one of her bosses got it into his head that she was crazy about frogs (she wasn’t) and somehow everyone around her glommed onto the idea and started giving her frogs and voila! Ain’t life funny? Please send pictures of what’s going on in your life and…

Feel free to forward this newsletter to friends and family with Medicare questions! Referrals are the lifeblood of my business.

Have a great week, be safe, and call me if you need me.


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

How My Neighbor Made the World a Better Place

May this blog post/newsletter find you in good health with your Medicare insurance working properly.

Only three weeks left in the Annual Election Period! Keep your head down and ignore the noise.

Remember:  If anyone calls you and asks for your Medicare information or Social Security number…. HANG UP THE PHONE, DANGER, DANGER, DANGER!

Most of the promises you hear on TV are only for low income individuals, but if you do have questions, feel free to book a time on my calendar.

The title of this blog post is “How My Neighbor Made the World a Better Place” …  

Plato and wrapped ham for Air Force son_The Big 65

Plato was sorry to see we shrink wrapped this ham and sent it off to our Air Force son in Britain.

Yours truly has been catching up with so many of you all of over the country and everyone seems to be excited about Thanksgiving, a normal Thanksgiving.

Our neighbor Sally on her porch in Colorado_The Big 65

Our neighbor Sally is one of those people you can always count on if you need a smile or some perspective on life (she’s an author and a public speaker). We usually catch up on the way to the mailbox and recently we shared words on the loss of a close neighbor.

John had died after a long battle with cancer.

John our neighbor who made the world a better place_The Big 65

I’ve never seen a tougher person on this planet than John. 98% of us would have given up years and year before, but John was a tough and crusty bastard (like Job) … and he would do anything for a friend. Very few people are capable of enduring the type of pain that John pushed through daily, for almost 14 years.

John had a purpose and that kept him going: taking care of his family and providing his young children a solid foundation in Christianity.

Hearse with US flag_The Big 65

We had been away for most of the weekend when he died, but that Sunday afternoon, when we got home, a hearse was in front of his house taking John away, draped in the flag of a US Veteran. I couldn’t believe that he had died. This was the strongest man that I had ever met.

John had died at home, with his family, on his own terms.

Of course there was a service, tearful goodbyes, fond memories. I knew that John would live on through the legacy of his children, Austin and Ashlyn. I thought that was all John had left us, until…

On Sunday, his wife, Nylda, texted this letter she had received.

Letter received by Nylda about John_The Big 65

Not only was John a loving father, husband and provider, but he was also an organ donor.

Even though his body had been ravaged by cancer, John was able to make a gift after death that changed the life another family.

Even in the darkest moments, if we seek to live a life of service, everything can change.  And yes, this was another way my neighbor made the world a better place ….

Despite the great political discord that is amplified every day and fractures our joy, remember:

We share more in common than we do in differences.

Regardless of beliefs, Americans are the kindest, most giving people I have met anywhere on the planet.

Currently, there are over 100,000 people in the U.S. waiting for an organ transplant.

There is only us, so, consider being an organ donor.

Kyler brothers break bread together_family photo_The Big 65

This Thanksgiving, reconnect with those you love, forgive grudges, let go of the past. Life is short, give thanks, eat, laugh, dance, help others.

You may never know how your good intentions can help others.

Feel free to forward this to friends and family!  Referrals are the lifeblood of my business

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 blog post Dementia and Exercise

 

Watch Out For Overbilling On Medical Claims

Happy November and may this find you in good health with your Medicare insurance working properly.

Did you survive the elections and all of the storms coming up from Florida?

Only about 4 weeks left until the Medicare Madness of Open Enrollment is over.

Hopefully you’re also ignoring the noise and the false promises your hear on TV and from the illegal call centers, but if you do have questions, feel free to book a time on my calendar.

Donkey closeup Turning 65 and shopping for Medicare is a pain in the

Watch Out For Overbilling On Medical Claims

One of things I enjoy most about my work as a broker is catching up with clients all over the country, seeing how they are doing and making certain their coverage is working properly.

This week, I spoke with three different clients who had made a Medicare mistake that cost them money they shouldn’t have had to pay. Click on the picture so you don’t the same thing.

Watch Out For Overbilling On Medical Claims
I wrote about this problem earlier in the year, but it seems to be getting worse. Another studyu have to be on your toes.

One study claims that at least four out of five medical bills contain minor errors.

Another study says that 50% of all Medicare bills have errors.

Perhaps these numbers are inflated, but the reality is medical billing errors are common and you have to be on your guard.

If you have a Medicare Supplement, other than a small annual deductible, normally, you shouldn’t have any additional copays for the hospital or your doctor visits.

If you have a Medicare Advantage plan, your copays are clearly spelled out in your summary of benefits.

So remember: if you receive a bill, don’t pay it until you’ve reviewed it with your insurer and confirm that it has been properly coded and submitted. Take your time and don’t fall victim to the medical industrial complex!

Quantz at lunch with Karl Bruns-Kyler of The Big 65

Well, I sure was happy to have Quantz home from her adventures in England visiting our son. Even though this is my busy season, we did find time to go out for lunch.

Of course after a week at home, she left me again… to visit her parents in South Carolina and to help them clean up after the hurricane.

Wembley stadium in London_Denver Broncos football

To celebrate Veteran’s Day in advance, we bought our Air Force son (and a buddy) tickets to the Broncos football game at Wembley stadium in London

Nicholas and friend at Wembley stadium to watch Denver Broncos play football_The Big 65

Judging by their smiles, these two soldiers had a great time (and the Broncos won)! Be sure to reach out to the military members of your family and in your community and thank them for their service. Nicholas is two years into his four year commitment, keep him and all our soldiers all in your prayers.

Robert cracking crabs_The Big 65

My little brother Haas sent me this picture of our older brother Robert as they enjoyed a glass of beer and bushel of crabs from the eastern shore of Maryland. Wish I’d been there to join them but I’m happy they spent time together.

Are you finding ways to spend time with your family? Life is short, live large while you can.

David and Romona's kitchen in Virginia_clients of The Big 65

Clients David and Ramona sent this picture of their kitchen in Virginia, making pumpkin bread, pumpkin pie, and pumpkin soup. That, to me, is living large and living well! Empty nesters enjoying time together.

How do I live large? Well, before she left for South Carolina, Q took me to a museum and I expressed my creativity as an artist.

Karl Bruns-Kyler holds self-portrait_The Big 65
Don’t worry, I won’t be quitting my day job :), Medicare is what I do.

Please forward this newsletter to all your friends and family ! Remember, referrals are the lifeblood of my businessThank you.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


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

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Pennsylvania Medicare insurance agent Karl Kyler

How To Use Your Crystallized Intelligence

I hope you’ve been avoiding the Medicare trolls and incessant telemarketers. Beware of anyone who promises too much! Meanwhile, Plato says Happy SNowvember

Here are a few stories that may inspire you to use your crystallized intelligence.

Last Saturday, when we were walking, we ran into a buddy who saved his newly born grandchild’s life. The baby was born prematurely and was not putting on weight. After one ounce of milk, the baby stopped nursing and the newly minted doctor ordered a feeding tube but the feeding tube was not fixing the problem. The baby was still losing weight.

My buddy had been actively involved in the feeding and the care of all sixteen of his other grandchildren and he took the doctor to task.

He asked for the chance to remedy the situation by being allowed to take over the feeding. In one night, using the learning of a lifetime, Bill turned the situation around.

When morning came around, his grandbaby had consumed 2 and 1/2 bottles of formula and was on the road to living. No feeding tube was needed after Bill worked his magic.

Plato Happy Snowvember from The Big 65

We often think of aging as a diminishing process. However, don’t underestimate the power of crystallized intelligence … the wisdom we have gained over a lifetime.

In our younger years, it’s our fluid intelligence that helps us succeed. As we age, crystallized intelligence makes us specialists in certain areas and the onus is upon us to use that wisdom for good.

Since I’ve already made every mistake in the book, I try to use what I have learned to mentor the lives of younger people (and of course to help all of you with Medicare).

Aging well should also include growth, learning and trying new things, but do look for ways to share what you have learned over life with your tribe. How are you going to help others?

Here’s how Martin has helped ...

Martin is a buddy of mine in France. He bought this barren farm in 1992 when he had a still had a head full of hair. Over the next thirty years, he worked as a teacher and spent his free time transforming the land into a forest. Martin jokes that though he lost hair, he regrew it on the land. That, to me, is a legacy.

Famed psychologist Raymond Cattell describes crystallized intelligence as what we acquire from past experiences, through knowledge, and culture.

There are more ways we can learn to use our crystallized intelligence for enriching the lives of our fellow humans.

Tom’s Halloween Masterpiece …

Tom's Halloween Masterpiece That Kids Love

Neighbor Tom takes pleasure every year in building a Halloween spectacle. Though his kids have been out of the house for quite a while, Tom has created a masterpiece that brings joy to everyone who sees it. Each year, his monster madness is more amazing than the year before.

Ed and Perri walking with their dog_neighbors of The Big 65

Ed and Perri are neighbors. We usually run into each other out on the trails with our dogs. Though I don’t know them well, I always enjoy our casual conversations. Everything I read says these connections are essential to living well, to staying connected. So, keep looking for ways to stay connected, that is the secret sauce.

You all know that I love Colorado, but if you are looking for “Almost Heaven…”

Shenandoah Valley in Virginia_The Big 65 Medicare Broker

You have to go where I grew up, the Shenandoah Valley, the edge of West Virginia.

Haas in Virginia_brother of Karl and a friend of The Big 65

My little brother Haas lives deep in the Valley and he’s loving his new puppy, Georgia, even when she causes trouble. He takes her everywhere he goes.

Haas with Georgia in Virginia_The Big 65 Medicare Insurance Broker

Georgia says watch out for “Medicare bull” and don’t underestimate the power of your own crystallized intelligence. And let me know what’s going on in your world and how I can help. 

Please forward this newsletter to all your friends and family! Remember, referrals are the lifeblood of my business. And thank you.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


Karl Bruns-Kyler is a Medicare insurance broker licensed to help Medicare recipients in twenty-two states around the country. States served by Karl include:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin


We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Pennsylvania Medicare insurance agent Karl Kyler