The Big 65 Alabama
Alabama Independent Medicare Insurance Broker
Thank you for visiting The Big 65 Alabama. My name is Karl Bruns-Kyler, a licensed Medicare insurance agent dedicated to helping residents find the best Medicare supplement plans in Alabama. With no affiliation to Medicare or the state of Alabama, I provide independent, unbiased advice to ensure you get the right coverage.
For over 20 years I’ve been helping Medicare recipients with their Medicare coverage. Helping people is what I do best and I love it!
What’s The Difference Between a Medicare Agent and a Medicare Broker?
When you’re exploring Medicare options, the terms “agent” and “broker” can sound interchangeable, but there’s an important difference.
A Medicare agent usually represents one insurance company (or a small group of them) and can only offer the plans those companies provide. That can be helpful if you already know you want a specific insurer, but it also limits the choices you’ll see.
A Medicare broker, on the other hand, works independently and has access to a much wider marketplace. This means a Medicare Broker in Alabama can compare plans from multiple companies and recommend the one that truly fits your health needs and budget. Brokers focus on your best interest, not just one company’s lineup, making the process less overwhelming and more transparent.
Is It Better to Go Through a Broker for Medicare Plans?
When it comes to Medicare, working with a broker often gives you a clearer advantage. A Medicare Broker in Alabama can access a wide range of plans from multiple insurance companies, rather than being limited to a single carrier’s offerings. This means you’ll get side-by-side comparisons of coverage, costs, networks, and prescription benefits, so you can find the plan that truly fits your needs and budget.
Unlike agents tied to specific insurers, brokers provide unbiased guidance designed to help you avoid costly mistakes and unnecessary gaps in coverage. Their services are free to you since they’re compensated by insurers, not by the client. For most people, especially first-time enrollees or those with complex healthcare needs, working with a broker provides peace of mind and allows you to make a confident, well-informed decision.
Do I Need a Broker to Get Medicare in Alabama?
You technically don’t need a broker to get Medicare in Alabama because any eligible resident can enroll in Original Medicare (Parts A and B), Medicare Advantage, or Part D prescription coverage directly through Medicare.gov or an insurance company.
However, navigating all the choices can feel overwhelming, especially if you’re new to Medicare or have unique healthcare needs. That’s where a broker becomes incredibly valuable.
A Medicare Broker in Alabama can compare plans across multiple insurance companies, explain the differences in coverage, and guide you through the enrollment process step by step. Instead of trying to decipher costs and benefits on your own, you’ll have an expert making sure you understand exactly what you’re getting. While you’re free to enroll without help, working with a broker often saves you time, stress, and money in the long run.
Why You Need an Alabama Medicare Insurance Broker
1. Compare Medicare Plans in Alabama with Confidence
Choosing the right Medicare plan can feel overwhelming with so many options available. As an independent Medicare insurance broker, I help you compare Medicare Advantage, Medicare Supplement (Medigap), and Part D Prescription Drug Plans side by side. With unbiased advice tailored to your healthcare needs and budget, you can make a confident decision knowing you’ve found the coverage that truly works for you.
2. Personalized Guidance from a Local Alabama Medicare Broker
Every Medicare recipient’s situation is unique. That’s why I take the time to understand your specific health concerns, prescription needs, and financial goals before recommending a plan. Whether you’re in Birmingham, Huntsville, Montgomery, or anywhere across Alabama, I provide personalized, one-on-one support to make Medicare simple and stress-free.
3. Save Money and Avoid Costly Medicare Mistakes
Did you know choosing the wrong plan could cost you thousands each year? From missing prescription coverage to paying higher premiums than necessary, mistakes are common but avoidable. As your independent Medicare insurance broker, I will explain everything to you so you understand all your options, avoid pitfalls, and take advantage of programs that can lower your costs while maximizing your benefits.
There is never a charge for my services, meaning FREE. (That means you pay the same insurance premium whether you work with me or work directly with the insurance carrier. The benefit you receive is my independent expertise.)
Karl Bruns-Kyler
Medicare Insurance Broker and Independent Agent
MY PROMISE: As your independent Alabama licensed Medicare insurance broker, I will always act in your best interest. I will be your advocate with the Medicare insurance carrier you choose. I will be here to help today, tomorrow, and every year you are enrolled in Medicare. That’s a promise.
Karl and The Big 65 serve Medicare recipients across Alabama, including towns located in northern Alabama, central Alabama, Greater Birmingham, and the Gulf Shores of Alabama. The Big 65 serves additional cities in Alabama including Birmingham, Crestline Village, Dothan, Fairhope, Foley, Hamilton, Huntsville, Montgomery, Perdido Beach, and Vestavia Hills.
Karl Bruns-Kyler is a licensed Medicare insurance broker and independent agent in thirty-three states around the country. In addition to serving Alabama, Karl is licensed to help with Medicare coverage in AL, AZ, AR, CA, CO, CT, FL, GA, ID, IN, IA, KS, KY, LA, MD, MI, MN, MO, MT, NV, NH, NJ, NY, NC, OH, OK, PA, SC, TN, TX, VA, WA, WI.
Additional states will be added as Medicare insurance needs increase in those areas.
FAQs
1. What Medicare Advantage plans and best Medicare supplement plans in Alabama are available for 2025?
In 2025, Alabama residents have access to 90 Medicare Advantage plans and several of the best Medicare supplement plans in Alabama, including options with $0 monthly premiums. These plans are offered by providers such as Aetna, Blue Cross and Blue Shield of Alabama, Humana, UnitedHealthcare, Devoted Health, and Viva Medicare.
2. How can The Big 65 assist Alabama residents with Medicare enrollment?
The Big 65 offers personalized, one-on-one service to help you identify and choose the appropriate Medicare coverage option that fits your healthcare needs. Karl is a licensed Medicare insurance broker who provides unbiased guidance to ensure you find a plan that aligns with your medical requirements and budget.
3. Are there programs in Alabama to help with Medicare costs?
Yes, Alabama offers Medicare Savings Programs (MSPs) for eligible low-income individuals. These programs can assist with paying Medicare premiums, deductibles, and coinsurance. Qualifying for an MSP may also automatically enroll you in the Extra Help program, which reduces prescription drug costs.
4. What is the Alabama State Health Insurance Assistance Program (SHIP)?
The Alabama SHIP provides free, unbiased counseling to Medicare beneficiaries and their families. SHIP counselors can help you understand Medicare benefits, compare plans, and assist with enrollment decisions, ensuring you make informed choices about your healthcare coverage.
5. Can I switch from a Medicare Supplement to a Medicare Advantage plan in Alabama?
Yes, during the Annual Enrollment Period (October 15 to December 7), you can switch from a Medicare Supplement plan to a Medicare Advantage plan. It’s important to compare the benefits, costs, and provider networks of available plans to determine the best fit for your healthcare needs.