When Should I Start Social Security?

Greetings Medicare Seeker!

Here’s a question I receive every week: when should I start Social Security?

The answer is… it depends :)!

Every retiree is in a different situation, but the rule of thumb is this:

The longer you wait, the larger benefit.

Here’s an article from Bankrate that may be helpful.

If you are unsure, visit the Social Security Website or contact a financial professional.

Even more important, the Medicare Annual Election Period begins in October.

If you haven’t reviewed your Medicare Insurance coverage in a while or you just want peace of mind…

Book a time on my calendar here!

Do You Have Mental Flexibility?

Hi, this is Karl with the Big 65 Medicare Insurance Services and I hope you’re having a great week.

My wife and I are in Iceland climbing a glacier near Reykjavik and today I want to talk about the importance of mental flexibility.

You know, it’s so easy to get lost in our heads when things go wrong for us.

This week, we were waiting for a tour to start, we went to the meeting place, we sat there for two hours and waited and stewed in our own anger.

Then we realized there was nothing we could do about it and how LUCKY we were to be here at all.

So remember, when you find yourself starting to get cranky, reframe and remember the good things that are going on, because there’s always something good!

Here’s a great article.

That’s it for this week, if you have questions about Medicare, book a time on my calendar here.

Learn Something New

Greetings Medicare Seeker, I hope this note finds you well.

The importance of continuous learning cannot be overstated.

Whether you are learning to play bridge, learning to play the guitar or learning how to blow out your sprinklers to prepare for winter, learning something new every day has multiple benefits.

Learning new things helps regenerate neurons, reduces the risk of dementia,
improves our ability to handle challenges and increases our socialization skills.

Here’s an article with all the details.

So learn something new today, and if you have questions about Medicare insurance reach out and book a time on my calendar here.

I’ve Got Some Bad News…

I’ve got some bad news…

“We’re all gonna die! ☹!”

Now before you get upset, here’s the good news…

If you are reading this, you are still alive 😊!

And for that, give thanks!

As your Medicare Insurance Broker, I see too many people lose sight of this fact.

If you clicked on the video, you learned how thinking about death can improve your life!

I spoke with a young friend whose mother had been diagnosed with and died of pancreatic cancer.

Pancreatic cancer kills quickly.

Can you imagine how distraught this must have made him and his family?

Nicholas’ response to his mother’s diagnoses changed everything.

“When they told me she had this cancer, in my mind, I decided she was already dead. That made every second I had with her thereafter a gift from heaven.”

Miraculously, his mother lived another 24 months.

Did his mother die well?

Nicholas did not sugarcoat anything.

“It was hard, she died in the hospital, but she died surrounded by the people she loved most, my father, my sister and I, and those last two years gave her more love than she ever could have imagined. Those last two years were a gift.”

We are all going to die.

But using this knowledge to reframe every waking moment can bring deep joy and new energy to all pleasure and the challenges in our lives.

Life is all about perspective. The onus is upon to remember and reframe, to get our minds off ourselves and to find ways to help others.

That’s it for this week.

Remember when you and your friends have questions about Medicare, I’m here if you need me.

Click here to Schedule a Meeting with Karl

The Unexpected Consequences of Change


I hope this note finds you well.

The Unexpected Consequences of Change – This last year has been filled with more change than any I can remember.

More than 40 years ago, the Municipal Utility Company of Medellin used eminent domain to create vast reservoir in Guatape, Colombia for the purpose of hydro electric power.

As you can imagine, this project caused massive societal upheaval in the area, both good and bad.

The project now provides thirty percent of Colombia’s energy.

The unexpected consequence of the reservoir is that it accidentally created one of the most popular outdoor tourist attractions in all of Colombia and this influx has created jobs and wealth for the area, as well as problems.

I don’t mean to sugarcoat change and upheaval, but when things are changing, as they always are, we have a choice:

We can focus on the negatives and live in defeat or…

We can ask, “how do we adapt and make the most of this challenging situation?”

The Unexpected Consequences of Change – Remember, if you have questions about Medicare, you can book a time on my calendar here.

Kindness Could Save Your Life!

Greetings Medicare Consumer.

Kindness Could Save Your Life – May this note find you in good health despite the madness of the times.

Kindness makes all the difference in the world. Being kind to others makes us healthier and happier.

While on this four day trek to the Lost City, through the jungles of Colombia, my wife slipped and badly injured her leg.

If not for the kindness of our guides, well, we might have been in a really bad spot.

Kindness changes everything. Studies have shown that random acts of kindness makes us happier.

Here’s the article.

So lift your spirits by helping others!

Kindness Could Save Your Life – And if you have questions about Medicare, schedule a time on my calendar here.

Be Well!

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

Do you know the difference between a Medicare Insurance Broker and a Captive Agent?

I hope your week is going well despite these crazy times.

It’s beginning to feel like fall here. Can  you believe we’re already having snow in the mountains? Hopefully it’ll put out some of the fires.

Not knowing the difference between a Broker and an Captive Agent during this Annual Election Period can cause consumers to seriously limit their Medicare options.  Click on the picture below to learn more and to see my family 😊.

When I first began working in insurance many years ago, I was a Captive Agent.  But after two months, it became clear that I couldn’t truly help people shop for coverage unless I became independent and I’ve been a Broker ever since.

What I love about being a Medicare Insurance Broker is the freedom to provide clients with the unvarnished truth, the good, the bad and the ugly about all the plans. I’m not always able to help everyone, but I do try to do my best and to learn from every interaction and continue to grow. That’s all we can do, right?

The Annual Election Period is now in full swing and all of the plans for 2021 are out. Medicare Supplement Plans really don’t change much from year to year. Many of the Medicare Advantage Plans have raised their Maximum out of Pocket levels but they’ve also increased some of their offerings, $0 copay telehealth visits and over the counter spending benefits. Every person’s needs are different.

The important thing? Book a time on my calendar if you are not sure if your current coverage fits the bill. Also remember to look at your drug costs and make certain your drug coverage is still working, especially if your taking expensive brand name drugs.

Have a great week and let your friends know I’m here if they have questions about Medicare.

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.

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.