Hello and may this note find you in great health with your Medicare insurance coverage working properly.
Are you about to hit the donut hole with your medication costs? Before you do, click on this link to send an email to Cori at The Canadian Medstore in Florida. Add your prescription name, dosage, and how many you take daily and they may be able to help. No guarantees, but it’s always worth shopping.
Remember, if you have a Medicare question, email Gray@TheBig65.com. If there’s a big problem with your coverage or you want to shop your premiums, please book a time on my calendar and we’ll do our best to get it sorted, promise.
Last Saturday gifted us with four inches of snow, not what you normally expect in late April. Life’s like that, right? Surprises are the norm.
Fortunately, Plato is a very flexible beast and it didn’t bother him a bit. He let me know that snow is a good thing, just to watch out for the yellow spots.
Colorado has three hundred plus days of sun each year so the snow disappeared fast. We ran into a gaggle of doodles, the perfect illustration for today’s message on:
Preparing for the unexpected.
If you’re over 65, the odds of needing Long Term Care are over 70%. That means two of every three of us may need care at home, in assisted living, or in a nursing home.
And before you say, “It’ll never happen to me,” 40% of all claims happen to people well under 70 and they are caused by accidents:
• Slipping
• Tripping
• Falling
• Car Wrecks
Just like a surprise snow, we never know what can happen.
On average, women need long-term care for about 3.7 years, while men typically need care for about 2.2 years (A Place for Mom).
The costs can be steep, with a private nursing home room averaging over $108,000 a year. In 2023, long-term care insurers paid out a hefty $14.1 billion in benefits, showing just how critical these policies are for many families.
To avoid depleting your savings due to long-term care costs, book a time on my calendar to see what options are available.
Long Term Care Insurance is not appropriate for everyone, but for some it can make a world of difference and you can ask about the newest alternative care plans that may be just the thing for you. Remember, Samson (above) doesn’t want to be an orphan.
Sadly, I just shipped out the last of the The Big 65 honey. Mike & Lynne promised to share it with all their friends in North Carolina. If you are near Boone, keep an eye out for Mike, he’s a big dude! Also, keep your fingers crossed our bees do well again this year.
Congrats to Tina in Tucson for overcoming a broken wrist back in January and returning to competitive pickleball. Repeat after me everyone:
“Gettin’ old ain’t for sissies!”
And finally, Happy Birthday to client/neighbor Becky. Her husband Joe continues to be a very lucky man.
Keep squeezing the juice out of life and look for ways to help others!
If family or friends need help… referrals are the lifeblood of my business.
If you know someone who might like to receive The Big 65 newsletter, forward this link.
Medicare questions or problems?
Book a time on my calendar or email Gray, Gray@theBig65.com.
Let us know what’s going on and please send pictures :).
Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
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.
