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.

Watch out for dentists under 30!

Happy October!

May this note find you in great health with your Medicare Insurance working properly 😊.

Are you enjoying the autumn weather? The Annual Election Period begins tomorrow, October 15th! Book a time here if we need to talk. If you’re happy and all is well with your coverage, ignore the noise.

Karl Bruns-Kyler and his dog Plato preparing for Medicare's Annual Election Period.

Remember: anyone who calls YOU about Medicare without permission is BREAKING THE LAW. Ask for their insurance license number and watch them disappear 👿.

Last week, Jason and I hung out with our buddy Carry the dentist and played a game called Padel, similar to Pickleball but kind of like squash. It was great fun, but the interesting part was the conversation afterwards.

Karl Bruns-Kyler with Jason and Carry the dentist playing Padel (similar to Pickleball) Watch out for dentists under 30!

Carry said many younger dentists can sometimes be a little too aggressive in looking for issues to address in the mouths of their clients.  Watch out for dentists under 30!

Claire in the stein holding contest for Oktoberfest.

Any time a healthcare provider recommends significant work (or a major procedure), it makes sense to get a second opinion.

Rose Stauffer, childhood friend of Karl Bruns-Kyler who has written a young adult novel.

As I speak with clients from all over the country, it’s amazing to me how many go overseas to have their dental work completed. It’s usually a fraction of the cost and you get to see a new place.

Remember to do your due diligence, but it’s definitely something to consider.

Karl and his friend Paul who is a long-term care insurance specialist.

Here are a couple of dental plans we’ve added for review:


None of them are perfect, (and I do have others) but sometimes they can be helpful.

Karl's brother Dr. Rob Kyler picking pumpkins in upstate New York in Amish country.

My big brother Robert and his wife Nancy sent this picture from upstate New York, searching out pumpkins in Amish country. Robert continues to practice medicine, travel, mentor Medical students, play pickleball and stay well engaged with life. He is my role model for living a life of service and living well.

But if you want to know what really makes him happy⬇️ …

Rob Kyler holding his new grandchild Nell.

Of course I’m being redundant, but I cannot overstate the importance of human connections. People, that’s why we are here. The more we connect, the happier we will be and the healthier we will be.

Social connections are related to longevity in humans.

Bayne and his wife Tami got the message and connected with 45,000 Braves fan. He texted me this picture in the bottom of the 8th inning after the Braves pulled it out, how fun was that!

Bayne and Tami at an Atlanta Braves baseball game.

Don’t worry, I found a way to celebrate remotely and show my solidarity! Next time you have a great experience, text a friend and share it! Better yet, send it to me and I’ll share it with a thousand of my closest friends!

Karl Bruns-Kyler celebrating the start of Medicare's AEP.

If you are curious about my amazing wife, Quantz, here she is below.

Quantz Bruns-Kyler and Nicholas together.

See this lad below? His name is Zach Demesa and I coached him in soccer when he was a much younger lad. On Saturday, 10/21/23, he’ll be dotting the Ohio “I” for the Ohio State Marching Band when they play Penn State. Look for him at half time. It is the ULTIMATE Buckeye honor (apologies to Michigan and all the other Big 10 Teams).

Zach Demesa of the Ohio State Marching Band.

Remember, there is no them… there is only us!

Keep squeezing the juice out of life!

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


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-seven states around the country, including:

Alabama
Arizona
California
Colorado
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.

The Big 65 Medicare insurance broker logo.