Do you know what it takes to live to 100?

Hello and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working well.

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

Long time clients (and friends) Jack and Adrienne shared this amazing picture celebrating Jack’s mom Bonnie’s 100th Birthday 🎂🎉.  Adrienne’s mom lived happily and well into her nineties so Jack and Adrienne have great role models!

Bonnie celebrating her 100th birthday!

Ever wonder what it takes to reach that magical milestone of 100 years? It’s not just about good genes or luck (of course they help). Let’s dive in to fun and practical tips to help us live well and perhaps make it to that centennial birthday.

David and Pam Lippy on the pickleball court smiling.

Stay Active and Engaged

First things first – keep moving! Whether it’s a morning walk, gardening, or joining a pickleball league, staying active is crucial. The Big 65 recently sponsored a tournament in Columbus, Ohio. I hear from clients across the country how much they enjoy the game. I’m pleased to say David and Pam attended and participated.

Pam Lippy poses in front of The Big 65 banner at Paddle Taps.

Pam is actually a professional pickleball player and instructor. This woman is so fit she may never die 😊.

Regular physical activity helps maintain mobility, balance, and overall health. Plus, it’s a fantastic way to socialize.

Bill at Home Depot atop his motorcycle.

Stay Connected

Maintain strong social ties. Family, friends, community groups—these connections keep us happy and grounded. I ran into Bill at Home Depot and just by reconnecting and saying hello, both of us felt better.

And if you enjoy traveling like my wife and I do, use it as an opportunity to meet new people and experience new things.

Susanna and her boyfriend with Quantz at a festival in Colorado.

Last weekend, we attended a Bourbon and Bacon festival with Susanna and her boyfriend. All three of them practiced moderation, but I was a bit of a pig 🐷😂.

Karl at the Bourbon and Bacon festival in Colorado.

It was great to spend time with Sus and KC and while we were in the mountains, we discovered the world’s first aqua doodle 🐩💧, good old Plato!

Plato the black and white dog playing in a lake.

Find Joy in the Little Things

Take time to enjoy the simple pleasures in life: a cup of coffee at a cozy café, a walk through town, or a quiet moment in your garden. These small moments add up to a fulfilling life.

Carmen has two beautiful grandchildren who live overseas. She recently celebrated the arrival of her first grand dog, Jamie. AFTER puppies are potty trained, THEN they reduce the blood pressure, right Carmen?

Carmen holding her grand-dog.

Regular Check ups

Stay on top of your health with regular check-ups. Early detection of potential issues can make a big difference. And of course, make sure your Medicare coverage is up to date to avoid any surprises. Preventive health checks are the most important thing we can do to maintain good health.

Karl getting a check-up with his healthcare professional.

Living to 100 isn’t just about the years in your life but the life in your years. Embrace these tips, stay vibrant, and here’s to a long, healthy, and joyful journey ahead!

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
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.

Check out this festival where fun meets wellness!

Hope you had a great Father’s Day and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working well.

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

We had a delightful surprise Father’s Day visit from our daughter Sus, with pancakes and board games (she let me win once).

After that, she was back on the road home and life was back to normal (now cue the Jim Croce song, “And the cat’s in the cradle and the silver spoon 🎻💧…”)

Sus with a black cat sitting on her shoulder, playing board games at the kitchen table with her dad Karl as Plato the dog sits under the table.

My favorite Father’s Day was many years ago when the kids were still critter size and we climbed a volcano in Guatemala.

It felt like we were in a Lord of the Rings movie. It’s amazing how attentive your kids can be when threatened with being thrown into molten lava 😉, good times!

Karl and his family climbing a volcano in Guatemala.

After Sus left, I went back to morning chores, and the usual quiet routines, building extra boxes for the bees.

Karl doing chores in his back yard.

You know the satisfaction that comes from building something yourself? This was way more fun than Medicare certifications for 2025 I’m working through when I’m not working with clients.

I’m not counting on any grapes because of the racoons, but I am cautiously optimistic we’ll have a good honey harvest this fall. I promise to share!

Karl taking a break from working on his bee hives and playing with Plato the black and white dog.

After lunch, Q made us attend a Scandinavian festival up in Golden, Colorado.

The event got me thinking about how much there is to gain from visiting summer festivals and doing something new near you (as long as you prepare for the heat).

Man with a white beard in costume at the Scandinavian festival in Golden, Colorado.

It was a great fun sampling the food and watching the little people interact with the Vikings.

Check your newspaper and see what events are going on in your area, I double dare you. With a little luck, you’ll find yourself walking around, exploring different stalls, and participating in various activities. This can be a fun way to get some exercise without even realizing it.

A man dressed up as a Viking at the Scandinavian festival in Golden, Colorado.

Festivals are a feast for the senses. The sights, sounds, and smells can stimulate our brains and keep us mentally engaged. We loved watching these couples in traditional garb doing these amazing folk dances.

A man and lady in traditional Scandinavian dress dancing a folk dance together.

Whether it’s listening to live music, or trying out a new type of food, these experiences can help keep our minds sharp.

A man and woman in traditional Scandinavian dress.

Festivals are also a great way to meet new people, bond with friends and family, and feel part of a community. Social connections can reduce feelings of loneliness and isolation, which are endemic in our screen based society. Even more important, building and maintaining relationships can lead to a longer, healthier, and happier life.

The Coors brewery in Golden, Colorado.

And best of all, you might accidentally discover a brewery on the way and go in for a tour! Now that is a perfect Father’s Day😉, especially when your wife is the designated driver 🛞!

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
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.

 

You need to get out now🫠!

Ni hao and may may this blog find you in great health with your Medicare insurance coverage working well. Did you have a great Memorial Day Weekend?

I keep hearing good things from clients about drug savings. Before filling an expensive refill, reach out to Cori at the Canadian Med Store in Florida (yes, in Florida). No guarantees, but it’s always worth a second look to shop your drug costs.

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

It’s great to be home again in Colorado with Quantz. This is a picture of her, 40 years ago, when she spent a year in China. It was one of the most unique experiences she had as a student.

Quantz in China 40 years ago as a student.

After studying in Guilin for a semester, Quantz was invited by the Chinese Communist government to stay for another semester and to teach English to Medical students. Naturally, Quantz jumped at the chance to have an adventure.

Quantz teaching English to Chinese students in China.

Fast forward forty years and this week, we had the pleasure of hosting Dr. Ma Ping Ke, aka Patrick (his name in her English class), one of her favorite students back in the day. Patrick flew to Colorado just to visit us.

Quantz and Patrick pose together for a photo in Colorado during Patrick's recent visit to the US.

When was the last time you visited a local museum or toured the botanical garden in your town? Often, we overlook the treasures in our own backyard, reserving these activities for when guests visit. But what if we took the time to explore these local gems ourselves?

We took Patrick to the Incline at Manitou Springs, Colorado and climbed 2,788 train ties to the top.

Patrick climbing the incline steps at Manitou Springs in Colorado.

Walking or hiking can provide a moderate level of physical activity, which is great for maintaining mobility and overall fitness. While seeing something new, we can improve cardiovascular health, strengthen muscles, and enhance balance and coordination, all crucial for aging well. Thank goodness we survived!

Karl and Patrick in Manitou Springs, Colorado.

Engaging with your community and interacting with others in local spaces can foster a sense of belonging and connection. We took advantage of Memorial Day Weekend to host a barbecue introducing Patrick to our neighbors and also to say goodbye to Max.

Max has been living with us for the last six months and has now taken the next steps in his life. We were happy to have him in our home and we’re also happy to be empty nesters again.

Social interactions can combat feelings of loneliness and isolation, which are common as we age. Sharing experiences with others, whether friends, family, or even fellow visitors, can enrich your social life and emotional well-being.

BBQ in Karl's backyard.

Having guests from other countries also causes you to appreciate the things you do have when you share them with others, like making your own pizzas.

Patrick making his own pizza in Karl's backyard.

Patrick wasn’t a fan of the Mexican food we ate but he loved making his own pizza.

Patrick holding a plate of homemade pizza in Colorado.

Exploring local museums, galleries, and historical sites can deepen your appreciation for your community’s heritage and culture. This cultural enrichment can be both educational and inspiring, offering new perspectives and sparking creativity.

At first Patrick was pretty nervous about Plato, but by the end of the week, they became great pals.

Patrick embracing Plato the dog.

Tips for Local Adventures:

•  Make a List:  Identify local attractions, parks, restaurants, and events you’ve been meaning to visit.

•  Set a Schedule:  Dedicate a day each week or month to explore a new place.

•  Invite Friends or Family:  Share the experience with loved ones for added enjoyment.

•  Stay Curious:  Approach each visit with an open mind and a sense of curiosity.

Speaking of curiosity, our daughter Sus was traveling this week so we took care of her cat, Kali (that’s the Indian name for the Goddess of Destruction). Kali definitely fits the bill and we enjoy her just the same. Sus takes care of Plato when we travel so it’s a pretty good deal.

Kali the cat.

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.

It’s time to connect😀

Hello and may this blog find you in great health with your Medicare insurance coverage working well this Memorial Day Weekend.

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

While my wife, Quantz, was visiting her dad in the low country of South Carolina, our daughter Susanna and I visited my brothers where I grew up in the Shenandoah Valley of Virginia.

When Robert, Haas, and I get together, one thing is certain, there will be chess.

Rob and Hass playing chess in the kitchen in Virginia.

Dad once claimed he’d played Bobby Fisher in New York in the late fifties.

True or not, Chess was our religion, and Bobby Fisher, our hero. We three boys watched on our black and white TV, cheering as Fisher defeated Spassky the Russian in twenty-one games to become world champion.

As many chess games as we could get in with Dad before Mom made us clear the pieces and set the dinner table. Dad, spotting us a glass of beer and his queen, placed two minutes on his chess clock and eight minutes on ours, decimating us with time to spare.

Karl and loved ones playing chess in the family kitchen in Virginia.

None of us brothers ever rose above amateur. Yet, we retain a love of the game, and through this old chess board and the pieces, a connection to our father’s love. The ghost of Rinehart remains in those pieces.

Never underestimate the mental and physical benefits of social connections between you, your family, and your community.

Two of the Kyler brothers walking the streets of Staunton, Virginia.

Maintaining strong social ties can significantly enhance mood, health, and quality of life. A study published in the Journal of Health and Social Behavior found that older adults who engage in regular social activities are less likely to experience depression.

Social interactions provide emotional support, which can help individuals manage stress and anxiety more effectively. After dinner, we did a stroll around the old city of Staunton. If you ever visit, check out the Shakespeare Theater and take a walk up onto the hill at Mary Baldwin College. You can also visit Woodrow Wilson’s birthplace.

Two of the Kyler brothers walking up a Virginia hill.

Engaging with family and friends can also help keep the mind sharp. Research indicates that social interactions stimulate cognitive functions, potentially delaying the onset of dementia.

A study in the American Journal of Public Health documented seniors with strong social networks had a 70% reduced risk of cognitive decline compared to those who were less socially active.

Hass on his Virginia farm.

Maintaining social connections often encourages more physical activity, whether it’s going for a walk with a friend or participating in group activities. The CDC notes that physical activity can help manage chronic conditions, improve balance and coordination, and enhance overall physical health.

Haas lives about twenty minutes south of Robert on his farm in Spottswood and he spends as much time outside hunting, fishing, and farming as he possibly can. Do me a favor and stay out of the trees and off of your own roof, please!

Haas sitting in a tree in the middle of Virginia.

Being connected to family and friends provides a sense of belonging and purpose, which is crucial for a fulfilling life. This sense of community can lead to increased happiness and life satisfaction.

The Harvard Study of Adult Development has shown that close relationships, more than money or fame, are what keep people happy throughout their lives. I’m so glad Sus came along on this trip to reconnect with her aunts, uncles, and cousins. Don’t forget about loving on animals as well.

Sus feeding a horse in the Virginia countryside.

We took a quick trip down to Charlottesville with Aunt Cristi to see cousin Mia right after Mia finished her first semester as a graduate student studying physics at UVA. Both Sus and Mia got our dad’s red hair and his deep love of learning. I guess it skipped a generation.

Karl and Sus join Aunt Cristi and cousin Mia for lunch in Virginia.

There is also evidence to suggest that strong social ties can lead to a longer life. A meta-analysis published in PLoS Medicine found that individuals with strong social relationships had a 50% increased likelihood of survival compared to those with weaker social connections.

Quantz’s dad is proof of this. He still volunteers weekly at Brookgreen gardens, walks daily to check out the birds at Huntington State Park, and hangs out with his coffee klatch buddies causing plenty of general mayhem. He’s proof of aging well by staying connected and repeating my favorite adage, “getting old ain’t for sissies!”

Quantz and her dad together in South Carolina.

Some of the different ways to stay connected include participating in local clubs, volunteering, or attending community events. Video calls, social media, and messaging apps can also be great tools when physical distance is an issue.

By embracing the power of social connections, you can enhance your well-being and make the most of every day. Keep reaching out, stay active in your community, and cherish the bonds that bring joy and health into your life.

Or you can keep it simple and do like Buddy does: fish, laugh with friends, and love on Puff, the noisiest, sweetest Javanese I have ever met.

Buddy and puff.

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.

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.

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.

 

 

Everything in moderation, even moderation!

Greetings and may this blog post find you in great health with your Medicare coverage working properly as we await March Madness and college basketball to begin🏀.

My favorite sports cartoon of all time had this caption, and I paraphrase, “hang your hopes and fading dreams on your favorite athletic teams.”

It’s a cold, rainy Friday afternoon here in Britain. I’m here in our son’s kitchen, working on the newsletter and STILL waiting for the dang plumber… two days after he promised to come, grrr. Life’s the same everywhere, right?

Karl working on Medicare plans for the people.

Thank you Rick in Colorado for sharing this important email he received from Medicare regarding Advantage plans.

Medicare Advantage Open Enrollment information for Medicare recipients.

Are you having issues, questions, or do you need to shop? Book a time on my calendar or give me a call.  I’m here to help so you can ignore the illegal Medicare Telemarketing Scammer Dogs 😊!

Scam Alert for senior citizens in the USA.

If everything is working, you’re good👍. If you aren’t happy 😠👎😤

Well, you better call Karl📞(don’t call Saul).

Last week, I shared info on the importance of upping your protein 🍗 as we age. Lack of protein can cause some very solvable problems (read about them here).

This week …

Nicholas looking a castle in England.

It’s all about reducing blood sugar 🍩🍦🍪🍭🍰.

Nicholas stuck in the wall.

Now before you disappear (Nicholas seen here climbing into Ely Cathedral’s 800 year old octagon tower 🏰) … hold on!

“It’s an accepted fact that people with Type 2 diabetes have a higher risk of Alzheimer’s disease.” Some health care practitioners are beginning to consider Alzheimer’s to be Type 3 diabetes. So, anything we can do to lower blood sugar is probably a good thing.

Ely Cathedral in England.

Yes, diet is absolutely important, staying away from added sugar and refined foods will definitely improve metabolic fitness, we already know that, but…

Karl and Nicholas in a cathedral of Medicare.

There are lots of other things we can do to lower blood sugar. It’s not an all or nothing situation.

As dad always said, seen here with mom on their wedding day 65 years ago on the 28th: “Everything in moderation, even moderation💡!”

Karl's mom and dad.

Miraculously, my brother Rob was born six months after this picture, hmmm 👶.

But I digress, let’s get back to the simple things we can do to reduce blood sugar.

Beautiful scenery that reminds us that "everything in moderation, even moderation."

Moderate exercise (this is my morning 2.5 mile walk to Mindenhall for coffee and a chat with the locals) three times a week for thirty minutes, over 8 weeks will improve metabolic fitness and improve insulin resistance.

One study showed that even “single session of low intensity exercise will increase insulin sensitivity.”

Cute dog having breakfast in UK.

Just be sure to skip the whipped cream at Starbucks, though I love that UK Starbucks welcome weiner dogs inside❤️.

Our Plato back home would be totally jealous. He’s such an underprivileged dog!

Plato relaxing back in Colorado.

Other things you can do, and they all come from this fantastic article (thanks Gray):

• Get more sleep
Reduce stress (see pic of Plato above if you need a role model)
Consume protein and fat first and then eat carbs
Add vinegar to your diet
Eat more cinnamon
Don’t drink lots of water with your meal

Don’t get overwhelmed or discouraged. Pick one thing and add it, let me know if it helps. Send a picture celebrating your success, or what gives you joy.

What’s my joy? Airman Nicholas just got home from his base, shockingly, the plumber didn’t show. Oh well!

Please remember our soldiers and keep them in your hearts, it’s a crazy world out there!

Airman Nicholas in England.

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.

Are you running low on protein?

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 to Gray or book a time on my calendar. We’re here to help so you can ignore the Medicare Telemarketers!

Yours truly is in Britain, visiting our Air Force son, and you are probably wondering where’s my wife, the mighty Q?

Animals in the wild.

Quantz is still in South America, checking off countries on her bucket list. These pictures are from Iguazu, some of the largest waterfalls in the world.

Quantz in front of a lovely waterfall.

When I was there in 1983, the catwalks you see below were completely washed away. Q’s pictures remind me how impressive the water is.

 Waterfalls of Iguazu.

The Amazon is such a fascinating place, filled with animals like the coatimundi, racoon-like creatures that will eat almost anything.

Which brings us to the topic of today, protein.

A coatimundi, a racoon-like creature in the wild.

A study in the Journal of Nutrition, Health & Aging, indicates that older adults in the US aren’t getting enough protein.

Analyzing data from over 11,000 adults aged 51 and above, they found that nearly half of the older participants didn’t consume adequate protein regularly.

Majestic scene of the mountains in South America.

Not getting enough protein isn’t just about muscles; it could signal that someone’s diet and overall health might need a boost. As we get older, our muscles start to shrink, which can make us weaker and more prone to falling.

A nice lady working in the market.

Individuals over 50 “whose protein intake was lower than the recommended level had a poorer diet overall, as well as ‘significantly more functional limitations.’ These people consumed fewer healthful foods such as greens and beans, dairy, seafood, and plant protein foods.”

Four ladies in colorful outfits walking down the street together.

”Despite the protein craze in America, the data shows there’s still a big gap in adults’ protein intake.”

Great sources of protein include rice, beans, lentils, soy, and quinoa, as well as eggs, dairy, or meat. This was Quantz’s dinner in La Paz, Bolivia, the highest capital in the world. She never figured out what the food on the left of the plate actually was.

A plate of unknown meat sitting on a plate of rice.

So just to make sure I practiced what I preached, yours truly had a ribeye and “chips” in the Mildenhall Market. I feel stronger already.

A man cutting meat in Mildenhall Market.

Most important, 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.