Are you ready for the final flight?

May this blog post find you in great health with your Medicare Insurance working properly 😊.

Beautiful sky over the Annual Election Period.

Just in case your phone isn’t illegally ringing off the hook, the Annual Election Period began last week and I keep hearing all the bogus call centers are bugging the snot out of everybody.

Remember to book a time here if we need to talk or update your Medicare insurance coverage or if your friends and family need help. If everything is working fine, ignore the noise.

Remember: anyone who calls YOU about Medicare without permission is BREAKING THE LAW. Ask for their insurance license number and watch them disappear 👿.

Hunters in Canada in the very early morning of the day.

My little brother Haas and his buddies fulfilled a lifetime bucket list event: bird hunting in Saskatoon, Canada. And though I’m not a hunter anymore, I was pretty dang impressed by their adventure.

A brown hunting dog eagerly awaits the hunt in Canada.

Ten friends, two dogs, 2,300 decoys, plus gear, traveled 5,300 miles to Saskatoon, Canada to do what they love doing.

White decoys in a Canadian field.

For six days, they got up early, scouted terrain, set up decoys, coordinated plans and had the adventure of their lives.

A brown hunting dog holding a bird in its mouth.

You can see it in their smiles… the joy and the happiness that comes from doing things that are meaningful for you. What are you waiting for?

A group of men making a toast to the beginning of the Annual Election Period.

Last weekend, I travelled to the Shenandoah Valley and paid my respects at the wake of a friend.

Jann White memorial in Virginia.

Jann was one of those people everyone loved. She was kind, compassionate, delightful, and the person who always lit up the room just by showing up.

Jann White memorial in Virginia.

Friends and family shared memories and listened to her favorite songs. We told stories, shared drinks, savored delicious marzipan cupcakes and remembered Jann with love, laughter, and tears. It was a beautiful afternoon.

A life of joy means every bite is the best thing ever.

Most of us don’t know when we’re going to die, but we do know it is going to happen, so do your family a favor…be prepared. Don’t leave them in the lurch.

  • Create a will and designate beneficiaries.
  • Complete Power of Attorney and Medical Power of Attorney.
  • Organize your important documents and have passwords and logons in a file.
  • Manage your debts and make sure your family knows how to handle them.
  • Write down and discuss your funeral and burial plans.
  • Talk openly with your family about your end of life plans.
  • Write down your personal wishes and important information.

This list is not all inclusive but it’s a start. Here’s a link that may be helpful.

Every time I lose a friend, a family member or a client, I try to remember that Latin phrase, memento mori, meaning…

A gentleman playing with his dog and savoring the meaning of life.

Remember you must die.” The lives we are given pass so quickly it’s helpful to use these encounters to move us forward, to keep us focused on what remains, what can be done, what we still have the passion to do.

Dr. Rob Kyler of Staunton, Virginia enjoying the great outdoors and preparing for The Annual Election Period.

Five years ago this summer, my older brother severed his spinal cord in a biking accident. How easy it would have been for him to have defined his life by this event.

Dr. Rob Kyler playing paddleball with friends.

Instead, Robert chose to use this brush with death and adversity as wake up call to continue living, and living well, living a life of service, as a physician and a mentor, and a life of activity.

Rob Kyler enjoying fall pumpkins as Medicare's Annual Election Period looms in the near future.

Never pretend life is easy, but it is an adventure, a combination of the hand we are dealt and how we choose to play the cards. Play with intention and choose your partners wisely.

Q in Armenia.

Keep squeezing the juice out of life!

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


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
– Robert B

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 twenty-seven states around the country, including:

Alabama
Arizona
California
Colorado
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.

The Big 65 Medicare insurance broker logo.

Paperwork That Matters

May this blog post find you in good health with your Medicare Coverage working properly.  Today, I want to discuss paperwork that matters.  But first …

Aren’t these kids cute? I’m a sucker for dinosaur jammies, must be the grandpa instinct kicking in, eh?

Karl Bruns-Kyler holding cute kids in Vietnam

Many of you tell me about the joy you receive from your grandvarmints and how important they are to you (at least till they start being teenagers).

Some clients hope to leave something to the next generation. Others say their plan is to spend it all and enjoy life to the fullest.

Either way, most of us hope we will never be a burden to our spouses, our children, or our grandchildren. And yet…

I speak with clients REGULARLY who may be leaving their loved ones in a tight spot if they don’t get this right. Click on the picture below to make sure this isn’t you.

If we live long enough, we are going to die. Therefore, it is essential to have these documents in place long before we need them:

    1. Last Will & Testament
    2. Trust (if necessary)
    3. Power of Attorney
    4. Healthcare Power of Attorney
    5. Living Will
    6. HIPAA Release
    7. Letter Of Intent

 

Not having these documents in place can cause terrible difficulties for your family, so take the time to leave them in a good situation.

If you already have them in place, make sure they are up to date. If you haven’t done them, look for an Eldercare Attorney or consider these forms as a starting pointThis is paperwork that matters to everyone.

New friends Tim and Kate in Cambodia with The Big 65.
While travelling in Cambodia, we met and made friends with Tim and Kate, a father/daughter duo from South Carolina exploring the world together.

Tim is and his wife are retired and Kate is engaged and plans to start working when they return from their adventure. What a great way to build a lifelong memory.

Pol Pot Killing Tree_The Big 65 Colorado Insurance Broker

When I’m not working, Q always makes sure we visit places of historical interest. In Cambodia, we visited the killing fields where millions were killed by Pol Pot and the Khmer Rouge. It was such a sobering experience and an important reminder of how things can go wrong in the world.

Chum Mey, typewriter repairman with Karl Bruns Kyler and The Big 65.

In the capital, Phnom Penh, we had the privilege of meeting Chum Mey, a typewriter repairman, and one of only seven (out of 20,000) who survived Pol Pot’s murderous prison, S-21. The reason the the seven were kept alive is they had specific skills the Khmer needed. What a miracle to have survived. Chum is such an inspirational person and so kind despite the darkness he lived through. What a lesson for us all.

Man watering garden in Vietnam.

We have so enjoyed getting out of the cities and seeing the countryside.

Farmer with small crabs in Vietnam with The Big 65 Medicare Broker.

Asia is graying faster than almost any other part of the world. People are working longer and also staying active, which is a good thing. This farmer showed us the small crabs she gathered from the dry rice paddy on her farm.

Oliver the owl in Vietnam with The Big 65.

While visiting some caves near Luang Prabang, we met a group of children illegally selling wildlife to tourists. Buying this owl, we named him Oliver, was probably the wrong thing to do, he cost three dollars, but we did it anyway.

Oliver the owl on balcony with The Big 65.

We brought him back to the hotel and uncaged him on the balcony (of course he bit Quantz, because no good deed goes unpunished.)

Oliver stayed till night fall and then disappeared. Of course it won’t change the world, but it made us feel better.

Vietnam scene_Karl Bruns-Kyler of The Big 65.

That’s it for now. The reason I’m here is to make sure your coverage is working the way you expected it to be working.

So if you’re having issues, and you’ve already called your insurance carrier, reach out to Gray, my right hand man, Gray@thebig65.com, and we’ll make sure things get taken care of.

PLEASE forward this newsletter to anyone you know who needs help with their Medicare coverage.


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
-Robert B

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 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.”

The Big 65 Medicare Insurance Broker logo