The Big 65 Medicare Insurance Blog

Medicare and COBRA: How They Work Together in 2026

Understand how Medicare coordinates with COBRA coverage, including enrollment timing, creditable coverage rules, and cost considerations for optimal healthcare planning.

Medicare When You Are Still Working at 65: Complete 2026 Guide

Learn how Medicare coordinates with employer insurance when you turn 65 while still working. Understand enrollment deadlines, coverage options, and penalty avoidance.

Best Time to Switch Medicare Plans: Your 2026 Enrollment Guide

Learn the best times to switch Medicare plans, including Open Enrollment, Special Enrollment Periods, and Medicare Advantage disenrollment windows for 2026.

Your Guide to Medicare Supplement Plans in Louisiana

Get our complete guide to Medicare Supplement plans in Louisiana. Compare Plan G vs. Plan N, see rates from top carriers, and enroll with confidence.

Best Medigap Plans in South Carolina for 2026

Yes, you can find the best Medicare Supplement plans in SC for 2026. Compare top-rated companies and Plan G vs. N rates to save money. Get your free quote!

How to Appeal a Medicare Claim Denial: Your Step-by-Step Guide for 2026

Learn how to successfully appeal Medicare claim denials with our comprehensive guide covering the 5-level appeals process, deadlines, and documentation needed.

Your Guide to Medicare Advantage Hospice Coverage 2026

Get 2026 Medicare hospice benefit details for Advantage plans. We cover eligibility, benefit periods, and palliative care options for patients. Find your answers.

Medicare Birthday Rule States: The 2026 List

The Medigap birthday rule lets you switch plans annually. See the complete 2026 list of Medicare birthday rule states and learn how to save money. Check now!

How Deferred Income Can Spike Your IRMAA Premiums

Deferred income can unexpectedly raise your Medicare premiums due to IRMAA. Understand the rules and find strategies to lower your costs. Plan your retirement now.

Best Kentucky Medicare Supplement Plans 2026

Find the best Kentucky Medicare Supplement Plans for 2026. Compare costs for Plan G vs. Plan N and see how the Birthday Rule can save you money. Get your quote.

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

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The Big 65 Medicare Insurance Brokers

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cindy rodriguez

2 weeks ago

Karl did a great job helping me change plans. He is always available and helpful.

Lynn Owens

3 weeks ago

Fast response, very knowledgeable, helpful, and kind. Fully recommend.

Maureen McElroy

3 weeks ago

The explanations that Karl provided empowered me to choose the plan that was best suited for me. I highly recommend speaking with him.

Fred Wilson

3 weeks ago

great guy!

CG Robertson

3 weeks ago

Karl is very knowledgeable and explains the Medicare process so it is easily understood. He provides great support and guidance!

Shela Levesque

2 months ago

Karl was wonderful!!!!!! So was Gray, his assistant.
Professional, patient and kind. Many thanks to them both!
I highly recommend this firm to any and all!!!

Lisa Ryan

7 months ago

Karl does an outstanding job explaining all the options for Medicare. He is incredibly patient, an expert at his business, and makes sure you understand every step along the way. Painless process - would highly recommend to all my friends.

Miles Abernethy

8 months ago

What a great experience working with Karl. I've managed my Advantage Plans over the year and never certain I was making the best choices, after talking to Karl I feel very confident. He is very gracious, personable, knowledgeable and has a great wit as well. My wife and I are so glad we found him.

Florence Wolmart

9 months ago

Am extremely happy with everything. Service went well above and beyond. Made every effort to ensure that I was informed about the different options and customized what was recommended to my needs. Spent hours and hours making sure I knew everything I needed to know. I would not have been able to make an informed decision about options without Karl's guidance. Would highly recommend to anyone in need of these services and would have no hesitation reaching out to him again for other services.

Tina Schlabach

1 year ago

If you want personalized, friendly navigation of a complicated system, a breadth of knowledge and experience, humor, and a commitment to your wellbeing, then make your appointment with Karl and The Big 65. Karl just guided me through all the applications and signed me up for the Medicare plans that will work best for me. I'm smiling.

Ted Coyle

1 year ago

I highly recommend Karl. Very easy to speak with and super knowledgable. Navigating the Medicare abyss is no fun but a sigh of relief after speaking with Karl, and making a plan.

Sarah Kang

1 year ago

Karl is extremely professional and thorough. I fee like we truly got the best coverage for my mom. Thank you Karl! Highly recommend!

Wayne Kauffman

1 year ago

Karl was on-time and provided great guidance on narrowing down the options to just a couple that were most relevant to my current situation. When follow-up meetings were needed it was easy to schedule a time.

Stuart Arends

1 year ago

Karl is very knowledgeable and helpful. I would recommend him to anyone who has Medicare questions or needs.

David Schaller

2 years ago

Karl was a joy to work with. He was knowledgeable, engaged, thorough, and personable throughout the experience. I recommend him highly, to make the process transparent and easy, as you sort through the Medicare options.

Richard Heneghan

2 years ago

Karl has helped us for several years now and some of our friends too. All of us found his knowledge and integrity to be tops. And on top of getting our various coverages well placed he keeps us informed and a bit entertained with his newsletter. Beekeeping? Hmm. Not for me but I’m excited about sharing this with a friend who is a home bound full time caregiver for his spouse. Something to keep his mind engaged and and a respite from daily stresses. I can’t wait to share this story.

C Witham

2 years ago

Karl is great at what he does and frankly I don't know how he keeps up with all of the changes & annual certifications - it sounds so exhausting! Karl happens to be my cousin and I turned to him when I retired a few years ago. He listened to my situation carefully and proposed an excellent provider and plan that has not needed any changes since! I so enjoy his regular newsletter updates with his thoughtful insights, advice, and heads up commentaries ;~) He's always been a joy!
Best - Chris Witham

Carol Golej Perry

2 years ago

Karl is a very caring, knowledgeable, patient and consciousness Medicare agent. I have researched and spoke to several people be before I signed up with Karl and I am very happy and satisfied with his service! 😃 My husband will be retiring a year from this December and he will definitely be asking Karl to help him with his whole Medicare enrollment process!!! I highly recommend Karl for your Medicare insurance needs!!! You are in good hands with Karl! 😃❤️🇺🇸

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