The Answer Is Out There!


May this post find you in good health with your Medicare coverage working properly.

This week, I read an article in the New York Times and it resonated:

“People get a big happiness boost from being with a romantic partner or friends but not from other people, like colleagues, children or acquaintances. Weather plays only a small role in happiness, except that people get a hearty mood boost on extraordinary days, such as those above 75 degrees and sunny. People are consistently happier when they are out in nature, particularly near a body of water, particularly when the scenery is beautiful.”

We shouldn’t expect to be happy all of the time, but we can make an effort to leverage activities that bring joy.

The article also stated, “the activities that make people happiest include sex, exercise and gardening.”

The choice is yours :), but if you do have questions about Medicare, book a time on my calendar.


Try New Things

I hope this note finds you well and in good spirits with your Medicare coverage working properly.

If it isn’t, or you tired of working with the faceless insurance call centers (where you are just a number),

Book a time on my calendar to get concierge Medicare insurance service.

Spring has finally sprung and yours truly is trying to practice what he preaches and is:

Taking care of Beesness :)!

As we age, it is so easy to fall into habitual patterns, some good, some bad.

When my father retired, his world shrunk down to the tv and the house.

He died two years later :(.

When my mother retired, her life expanded because she joined clubs, traveled and took up volunteering.

She lived another 30 years :).

Trying new things and learning new things has incredible health benefits.

Not only will you live longer and be happier, you’ll make everyone around you happier.

So you don’t have to be a bee keeper, but do look for something new to do or to try.

And let me know about your adventures :).

Medicare Insurance is my speciality, but every day, I look to my clients to learn new ways to age well!

Now get out there and try something new!

Medicare and International Travel

Hello everyone, it’s Karl with The Big 65 Medicare Insurance Services and I hope you’re having a great week!

Today’s topic, Medicare and international travel.

This morning, a client let me know of an upcoming trip to Italy.

He wanted to know if Medicare would cover him or would it be necessary to purchase additional coverage.

The devil is always in the details 😊.

According to, Medicare Supplements (Medigap Plans) have a:

Foreign travel emergency  lifetime limit of $50,000.

Medicare Advantage plans typically have a benefit ranging from $50,000 to $250,000 for worldwide emergency care benefit.

These benefits typically only cover foreign travel emergencies during the first 60 days of international travel.

Regardless of where you are going, it is always prudent to check with your broker or the plan carrier for details.

For mainstream destinations in Europe and major metropolitan places near the US, this coverage may be fine.

If you are going to a remote third world area, you may want to consider purchasing a standalone emergency evacuation travel insurance plan.

Questions? Book a time on my calendar:

Have a great week and call me if you need me.

Watch Out For Skilled Nursing Facilities!


Hey everyone, it’s Karl with the Big 65 Medicare Insurance Services and I hope you are having a great week.

Today, I want to talk about preparing for a positive outcome if you end up in a skilled nursing facility.

If you have outpatient surgery or a hospital surgery, and the post follow up care requires time in a skilled nursing facility, make sure you plan for that in advance.

Know where you are going. Make sure you have a case manager set up as well as the name of a social worker. Accountability and having a plan of action in advance of visiting that skilled nursing facility will make a huge difference in the outcome and your return to the activities of daily living.

Here’s an article to prepare for a skilled nursing stay.

Remember, proper planning prevents poor performance :).

That’s it for this week.

Questions about Medicare?

Book a time on my calendar.  Have a great week and call me if you need me.

Death, Medicare & Taxes

Death and taxes, right?

Check with a tax professional first, but I was blown away that some of you all can take write offs for:

  1. Medicare Part B, Med Supps, and Part D premiums if you are self-employed, that’s huge!
  2. If you or your spouse are still working, check out if you can still contribute to retirement.
  3. Snowbirds can consider switching the primary residence to avoid state taxes.
  4. Look at gift giving, charitable deductions and total medical expenses (if the exceed 7.5% of your AGI.)

Here’s a great article from Kiplinger with that information.

And if you have questions about Medicare Insurance, book a time on my calendar here.

Here’s Why You Keep Getting Medicare Calls!

One of the biggest frustrations Medicare consumers experience daily is… the illegal telemarketing bombardment:

Phone calls, texts, and voicemails.

It’s insane.

It’s also against the law!

Medicare consumers are duped into believing they are making huge mistakes and leaving money on the table if they don’t engage with a complete stranger at a call center and switch plans.

Most of the calls are illegal; most do not have permission to contact you.

Most are bad news and here’s proof.

When a telemarketer calls (and if you mistakenly pick up) say this:

“Before we engage, please give me your FULL NAME, your STATE INSURANCE LICENSE and YOUR PHONE NUMBER, and I will confirm your identity and call you back.”

Watch them scamper like rats! And if they give their number, call me and I’ll help you report them.

Unless you’ve given “permission to contact,” telemarketers are breaking the law and they know it.

Do not fall for these call center ploys or you may end up in the wrong plan!

Take these steps to reduce unwanted calls:

1. Set up your iPhone or your Android only to receive calls from people you choose, people in your contacts.
Here is the link on how to set up your phone  and be sure to add my number to your safe list 😊.

2. Consider adding a third party call blocking app like Truecaller, YouMail, Robokiller or Hiya.

3. If these tech steps are above your paygrade (or you don’t have access to a grandchild for tech support,) visit your local cell phone provider and get them to help you set up your phone.

So how do you know if you are in a good Medicare Insurance Plan and purge the fear that you are making a mistake?

How do you know if you are leaving  money on the table and continue to be an informed consumer?

The answer is simple…

Find a trusted independent Medicare Insurance Broker, someone you can work with year after year.

Check their google reviews.

Check if they have complaints with the Department of Insurance.

If you engage with an Independent Insurance Broker (not a captive sales agent trying to change your plan), you’ll get the help you need.

Medicare Consumers need a professional who will be there year after year, a professional who will answer questions (AFTER the sale) and to help them switch plans only if it is appropriate.

That’s why I’m here. That’s why I love what I do.

So get those telemarketers out of your life and if you have questions, book a time on my calendar here.




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Here’s Another Way To Prevent Illness!

One of the biggest problems with original Medicare is…

It does NOT include preventive dental coverage.

This oversight leaves many individuals ignoring  an important component of wellness.

Regular dental cleanings and check-ups may reduce the risk of developing endocarditis or exacerbating other cardiovascular conditions.

Studies from the University of Illinois postulate links between…

  • Periodontal plaque and Alzheimer’s
  • Gum Disease and pre-Diabetes
  • Periodontal disease and Obesity


The good news:

Simple steps recommended in this article can reduce these risks:

  • Twice daily two minute brushing with a soft bristled brush
  • Flossing Daily
  • Mouthwash after flossing and brushing
  • Avoiding tobacco
  • Regular Dental checkups and cleanings


Because Medicare does not cover preventive dental care, consumers must explore alternative options:

  • Check if your plan includes dental benefits built in or if there is an option to add dental benefits.
  • Review stand alone dental insurance plans with your independent Medicare Insurance Broker.
  • If you already have a dentist, ask their billing person what are the most popular insurance plan they see their clients using.
  • Consider dental tourism. Yours truly gets a dental work done overseas, whenever possible, at a fraction of the price. Do your homework before selecting a dentist.


Maintaining proper oral hygiene is an important component of overall wellness, so if you need help in reviewing your dental options, book a time on my calendar here.


How To Age Well

“Getting old ain’t for sissies,” that’s what my neighbor used to say.

The good news is there are many small things we can do daily to slow down the aging process.

Keep moving. Seven thousand steps or about 30 minutes of daily exercise seems to essential to staying healthy and aging well. A little bit of exercise daily goes a long way, we don’t need to go crazy working out.

Engage with others. Saying hello to others we encounter during daily errands or reconnecting with friends and family can provide a huge boost to our mental health and help us to enjoy life and to live longer.

Use your brain. Read books, listen to podcasts, do puzzles, try out a new recipe for jalapeno cornbread. Changing your routine and doing new things will improve your cognitive functioning and it could slow down the aging process.

Here’s an article with ideas on how to slow down the aging process.

And if you have questions about Medicare Insurance Coverage, book a time on my calendar here.

Medicare, Sleep Habits & Dementia

I hope this note finds you well and looking for ways to bring joy to others.

As we age, getting good sleep can become more and more challenging.

Do not underestimate the importance of great sleep hygiene:

Simply steps like going to bed at the same time every night, avoiding caffeine after 4, keeping electronics out of the bed and having a really dark bedroom can make a huge difference.

Here’s an article with helpful ideas.

And if Medicare insurance questions are keeping you up at night…

Book a time on my calendar here.