Are you taking too many drugs?

Hey Neighbor,

I hope you are having a great week. It’s been quiet here in our house.

My wife Q is back east visiting her parents in South Carolina, and even though I’m super busy, I miss her company. That’s what happens after 30 years of marriage, right?

If you’ve seen the 500 Medicare commercials already with super happy seniors, you know it’s the Annual Election Period.

It’s been great catching up with clients I haven’t spoken to in a while and making sure their Medicare coverage is up to date.

Today I spoke with Nancy, a long time client in Georgia. Her comments really got me thinking about a problem I see  more often than I should.

Click on the picture below and learn something that might save your life and even save you money.

Of course medications have improved the quality and the length of the lives of many Americans. Sadly, the medical industrial complex has made it way too easy to be over medicated. Many Americans continue to take medications long after the need for them is over.

One doctor will prescribe a medication and another doctor will be hesitant to end it because of miscommunication. Even worse, the more meds you take, the greater the risk of negative side effects. Talk to your doctor, talk to pharmacist.

Review your medications and understand why you are taking each medicine you take. Check out this article and, as they said in the movie Blaze, “never trust a man who says trust me.”

That’s it for this week. If you’re unsure of your coverage and you need a Medicare Insurance review, or your friends need help, book a time on my calendar and I’ll do my best to help.

Be well, be kind, be safe, one nation under God.

Who needs a flu shot?

Greetings Neighbor.

I hope this note finds you in great health and excellent spirits despite the crazy times.

Elections, COVID, and crazy weather, believe me, everyone is ready for 2020 to finish 😊.

We’ve been getting a ton of questions about the new flu, and from what I am reading, this year’s strain could be extra dangerous. Click on picture and learn how to protect yourself.

Of course you know you need a flu shot, but did you get one yet? If you have a Medicare Supplement, getting the shot in your local pharmacy for most plans will keep the cost to $0.

If you have an Advantage Plan, confirm with your doctor’s office there is no copay.

In talking with my pharmacist, there are different versions of the vaccine, but they were recommending the High Dose Flu vaccine. It has four times as many antigens (whatever those are). Talk to your doctor, but do the right thing, please, because I actually like having Medicare clients 😊.

Here’s more information about the flu and vaccination options.

Remember, the Annual Election Period is upon us and the new plans for 2021 are finally out. Let me know if your friends and family need help, that’s why I’m here.

Stay safe and please book a time on my calendar if you need me (my calendar only runs 7 days in advance, so be patient).


There is no them, there is only us!

I hope this note finds you in great health and excellent spirit, despite the madness of the times. This joke I heard sums it up this year:

A guy walks into a bar in New Orleans and says, “Give me two Hurricanes and a Corona.”

The bartender responds, “That’ll be $20.20!”

Many of you know my wife and I have been exploring the Northwest to celebrate her retirement and loving it. We’ve had some amazing adventures and also some very strange encounters.

Click on the video picture below and hear what I learned that truly gives me hope.

May we remember there is no them, there is only us. Time and time again, I have watched strangers perform incredible acts of kindness, helping to repair cars, sharing food, donating time and money and doing good deeds.

Do not be fooled by stories of the extreme that are designed to polarize, divide and conquer us. When Americans connect with each other, face to face, one on one, we show compassion, we forgive imperfections and we accept differences. Differences are the fabric that makes our nation great, Epluribus Unum, out of many, one. This is not an easy motto to live by but it sure is a great one.

The Medicare Annual Election Period is seven weeks away. How is your plan working? Are you happy? Do we need to make changes? If so let me know and remind your friends to check in with me.

How to catch a buzz!

I hope you’re having a great week, despite the heat, the pandemic and the storms.

My in laws’ brand new rider mower was totaled by the surge from Hurricane Isaias and their insurer refused to cover it, said they should have brought it inside. Aren’t you glad Medicare doesn’t work like that?

“I’m sorry your husband died Mrs. Jones but we’re not paying for the hospitalization. He should have done something to prevent his death.”
Good grief!

Today I want remind you of the importance of enjoying life. Here’s how:

That’s right, get out in the yard and garden (early or late if it’s warm).

Studies have shown being outside lowers blood pressure plus light activity still counts as exercise and we know exercise keeps us above the lawn.

And being above the lawn beats the heck out of being six feet under.

Here’s an article to prove it.

So please feel free to grow me some peaches and when my hives produce, I’ll send you some honey.

Let me know your questions about Medicare options and let’s talk soon!

Life is short, you better live now!

I hope all is when in your world, despite these strange times. Can you even remember a time when things were crazier?

When we lived in Atlanta, we had a neighbor who was a former Army Ranger and a CPA. I’d see him every morning early. As I’d be going out for the paper, he’d be pulling out in his car, and he would roll down the window and say, “we’re all gonna die!” Then he’d peel out in his car and go to work.

He did that every day that I saw him for six years and I learned something important. Check out this video and find out what I learned!

That’s right, life really is short, even if we live to be a hundred, it’ll be gone in the blink of an eye.

If there’s something you’ve been meaning to do, something deep inside that you can’t let go of, you better do it now!

So whether that thing is starting to paint, planning a trip around the world (because the world will open again) or just picking up the phone and calling that person you haven’t spoken to in thirty years and apologizing, now is the time.

Clients often ask, “Why did you choose to be a Medicare broker?”

My joy in life has nothing to do with the insanity that is Medicare, but it has EVERYTHING to do with helping people navigate Medicare and in living a life of service and providing for my family.

So find a big reason to get up and don’t put it off any longer.

How will you respond on the worst day of your life?

A wise person once said, “it’s not what happens but how we respond that determines our lives.”

True words.

Check out this video and you’ll see how my brother responded to the worst day in his life, when he became a paraplegic.

Despite the trauma, Robert has a new lease on life and has chosen not to let this event define him. Listen to his story here.

Learning to respond instead of reacting, that’s the key. Somedays are easier than others. The important thing to remember, you don’t have to be perfect, you can’t be perfect, you just have to keep trying. Here’s an article that may help.

In the Medicare world, I’m seeing some of the ugliest, most aggressive marketing on the web that I have ever seen and I am shocked at how consumers are being maligned!

I spoke with a woman this week, seven months out from Medicare who had booked a time on my calendar. An unscrupulous call center agent had already enrolled her in a plan AND THE AGENT DIDN’T EVEN REVIEW HER WORK COVERAGE (or her drugs)!

That’s criminal (in my opinion). He just wanted to sign her up and move on to the next dollar. Every week, I run across people in this situation.

The good news, we can probably get this reversed and get her back in her work coverage (if it turns about to be better). Tell your friends and family NEVER to sign up with a call center broker. They will sign you up as quickly as possible (and often don’t review your drugs, the most important part). Most of the time you’ll never talk with them again.

Look, if I’m not your cup of tea, no worries! But do find somebody local who’s going be with you for the duration. Just like they said on Hawaii 5-0 back in the day, “Book him Danno, Medicare is for life!” Well, something like that.

So remember to respond instead of reacting, and if you have questions about Medicare, check in with me and I’ll do my best to help.

Despite COVID, you really have to get out!

When I think of all things we did last summer, cookouts, movies, concerts, well, it makes realize how much I took for granted before the Pandemic.

Fortunately we did get out last week with the whole family, the first time in a while. Check out our adventure.

Who doesn’t love Lego, right?

The point is, if you are careful, there are things going on your community that you can do safely, so make the effort to get out a least once this week and try something new, you will be glad you did.

Believe it or not, I am not in the midst a re certifying for 2021 with all Medicare Carriers and I’m starting to review changes in the plans.

Big picture: Copays for the Advantage plans and the drugs co pays are going up, as usual :(.

The good news? Telehealth is going to get easier and more common. That’s a good thing. Here’s an article on what’s coming up.

If you are taking expensive Medicare medications, now is the time to review them with your doctor and your pharmacist and see if there are alternatives. Many of you are now in the “donut hole” and paying a lot for your medications, so this is the time to see if there are lower priced alternatives.

Please call if you have questions.

How to Avoid Medicare Identity Theft

Do you know how to avoid Medicare Identity Theft?

This week I heard from a couple of different Medicare clients who tell me their identities were ALMOST stolen.

As Clint Eastwood used to say, “Do ya feel lucky? Well do ya??”

If you check out this video, you will be lucky.

Simple steps to protect yourself can go a long way:

Check your credit report, is offering free weekly credit checks.

Don’t click on links unless you certain of the source.

If someone calls you from the IRS, Medicare, or any governmental organization, be careful.

This website link has a ton helpful ideas ( and it’s real, I swear 😊)

As a Medicare Insurance broker, my job is to keep you informed and help you take the mystery out of Medicare.

Let me know if you have questions.

Get outside and feel better

As we age into Medicare, it’s important to get outside and feel better.

As our son prepares for the Air Force, we’re doing our best to spend time together before he begins his service.

Especially in these times of COVID, one of the healthiest things we can do is to get outside and spend time with family and friends (assuming you like them 😉)

Studies have shown that time in nature relieves stress and anxiety, improves mood, increases energy and longevity and just makes us happier.

Even walking around the neighborhood or puttering in the garden, either way, you’ll be better and happier.

Here’s an article that confirms it.

If you have questions about Medicare or how to stay healthy, give me a call or book a time on my calendar.

As a Medicare Insurance broker, it’s my job to take the mystery out of Medicare.

How to enroll in Medicare Part B

Once you’ve decided to begin Medicare, you will next need to enroll in Part B.

Once you have Medicare Part A and Part B, you can then select the coverage you’ll need to augment original Medicare.

Watch this video to learn the basic steps to enroll in Medicare Part B

Here is the link to the Social Security website for enrollment and questions.

As Medicare Insurance Broker, another question I receive is:

How much will I have to pay for Part B? Great question! Here is Medicare’s the information on Medicare Premiums: Rules for Higher-Income Beneficiaries.

Remember for some folks, starting Medicare at age 65 is going to be a fantastic choice. For others, they might benefit from waiting a few years and staying on the company plan.

If you’re not sure, you can review this video on “When should I start Medicare”

Email your questions to or just book a time on my calendar and we can chat.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.