Give Thanks This Thanksgiving

I hope this note finds you well during these times of change.

Holidays can still be a time of great joy despite the complications of COVID and family politics.

Here are some great ideas on how to make the most of time together and how to reduce family conflict.

In the meantime, don’t be suckered by those Medicare Insurance TV Commercials featuring JJ, Captain Kirk and George Foreman.

If you call their numbers, you’ll be dealing with sharks in a Medicare Insurance call center, hard closing sales people.

Every day, I get calls from clients who made that mistake!

If you have questions about Medicare Insurance Options, book a time on my calendar here.

No selling, just the facts :).

Hearing Loss Ruins Everything!


Hearing Loss Ruins Everything – As a Medicare As a Medicare Insurance Broker, I speak with clients every week about Medicare Insurance options, the topic of self-care, and how retirees best manage the aging process.

Want to know the biggest mistake I see?

How hard it is for some people to deal with hearing loss.

That used to be me!

Hearing Loss Ruins Everything – Hearing loss causes social isolation, cognitive decline and it can lead to depression.

The average person procrastinates more than six years AFTER hearing loss has occurred!

Wanna be happier? Wanna live longer? Want have more meaningful connections?

Swallow your damn pride and get your hearing tested!

It changed my life for the better.

Some Medicare Insurance plans include hearing benefits, so check your plan.

If they don’t, go to Costco or Sam’s Club and schedule a free hearing test.

Just remember to be patient with the hearing aid learning process…

Hearing loss occurs over time and it usually takes a while to find the right equipment and for the brain to adjust.

Of course not everyone succeeds with hearing aids.

But, if you persevere, the payoff is HUGE…

More joy, better relationships, and you might be able to hear the birds again!

Here’s great article on hearing loss.

And if you do need help or have questions about Medicare Insurance Plans, book a time on my calendar.

I’ll be happy to help.

Talk soon!


Do you need Extra Help with Medicare?

I hope this note finds you well and your Medicare coverage doing what it is supposed to be doing…

Keeping down your Medical Costs!

Every week, I speak with Medicare consumers and we discover they are leaving Medicare Money on the table!

Click on the picture above to find out if you are eligible for Extra Help, LIS.

Here’s the bottom line, most people will not qualify for Extra Help or the Low Income Subsidy.

However,  if your income is low and you don’t have much in savings, check out these two links:

Learn about the Low-Income subsidy HERE.

Apply for Social Security’s Extra Help HERE.

If you have questions about Medicare feel free to Schedule a meeting right here.

I am always happy to answer your questions about Medicare Insurance Options

Are you overmedicating?

For people on Medicare, taking the time to review their medications with their pharmacist and their physician could have a hugely positive impact on their health.

One of my clients was so shocked at the comatose state of her mother that she removed her from her nursing home and had her  own physician perform a complete pharmacy review.

The result? At the physician’s request, her mother stopped taking SIX of her NINE maintenance medications and went from zombie status to being human again.

Never stop ANY medication WITHOUT the advice of your doctor.  But just because you’ve been taking something for while doesn’t necessarily mean you need to keep taking it.

Check out the article , have a great week  and Click here to Schedule a Meeting with Karl if you have questions about Medicare, or Medicare insurance options.

Don’t let COVID put your family in a lurch! Get your affairs in order now!

I hope you are having a great week despite the madness of the times.

As your Certified Senior Advisor, the last 12 months have taught me one thing…

You never know what happens next!

This year, I’ve had more healthy Medicare Insurance clients die suddenly than at any point in my career.

Look, losing a family member is horrible enough, but if you die or are hospitalized without the right paperwork, you’ll be leaving your family in a tragic situation that will make things even worse on every level imaginable!

A Living Will means your wishes, your choices for how to receive care will be respected.

Medical Power of Attorney means the people you love and trust will be able to make the medical decisions you want if you’re incapacitated, instead of a doctor or an institution making them for you.

An Up to Date Will means your assets won’t get locked up in probate if you set things up correctly.

Now remember I am not a lawyer. I don’t even play one on TV 😊.

So if you have complex assets and financial planning needs, you may want to speak with an attorney.

But for many folks, each of links I’ve provided will give a FREE/inexpensive way to get your family protected.

Getting your financial papers in order may be the most important thing you do this year.

If you have questions about Medicare insurance options, please Click here to Schedule a Meeting with Karl