medicare insurance blog Archives

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?

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.

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.

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 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.

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.

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.”

”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.

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.

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.

By all means, don’t do this!

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

Connie in Ohio reminded me she’s still being bombarded by illegal Medicare calls.

If someone calls, ask for their insurance license number and watch them disappear!

Remember, it’s against the law for anyone to call about Medicare coverage without permission!

Call centers want to switch you, but they won’t be there to help when things go south. Good luck with that overseas call center trying to fix your problem!

It’s no surprise that Medicare is a pain in the…

So, if you’re having problems, or you want to review your coverage, or check options, reach out to Gray or book a time on my calendar. We’ll get it fixed, that’s a promise!

Last week, we talked about keys to longevity, things you can do to be healthier.

And even though Quantz calls me a “nudge,” this week, let’s focus on things to avoid!

Don’t isolate: Lack of social interaction can lead to feelings of loneliness and depression. Stay connected with friends, family, and the community, or look what happens! If you isolate, you become roadkill!

Don’t engage in unhealthy habits: Excessive drinking, smoking, or a sedentary lifestyle can negatively impact physical and mental health. Prioritizing healthy behaviors is crucial for maintaining well-being. Moderation is the key, right Q!

Don’t stick to rigid routines: While routines can be comforting, avoid becoming too rigid in your schedules. Flexibility and spontaneity can add excitement and variety to life. Just ask Plato!

Don’t dwell on the past: Avoid dwelling on past regrets or missed opportunities. Give thanks for what is going well, the people in your life, and look forward to the future.

The man above was my second father, Luke Sr. He was climbing ladders, causing mischief, and moving forward to the very last minute. His spontaneity and zest for living continue to be my inspiration.

Don’t compare yourself to others: Comparing can lead to feelings of inadequacy or gloating (Remember what my brother Rob said last week?) Focus on your own journey, celebrate your accomplishments, count your blessings. It’s not what happens, it’s how you choose to respond. Robert is proof of that! Keep going, keep going, keep going!

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:

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.

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!

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.

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

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.

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.

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.

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 business. 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 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.