The Big 65 Florida
Florida Independent Medicare Insurance Broker
My name is Karl Bruns-Kyler and I’m an independent Florida licensed Medicare insurance broker and licensed independent Medicare agent with no affiliation to Medicare or the state of Florida.
I’ve been helping people with their Medicare coverage in Florida and across the country for years. I’ve seen many changes these last 20+ years. But … one thing hasn’t changed:
MEDICARE IS COMPLICATED !
My job as your independent licensed Florida Medicare insurance broker is to simplify Medicare and make it work for you. Hey – Florida is a big state!
After listening carefully to your healthcare needs and requirements, I will …
One … HELP identify the right Medicare coverage that fits your healthcare needs.
Two … FIND the lowest cost coverage for the appropriate Medicare coverage for you.
Three … PROVIDE you with one-on-one, personalized service, every year to make sure your current Medicare coverage is meeting your healthcare needs.
Four … KEEP you informed of changes to Medicare and the overall healthcare landscape for people 65 years of age and older and those younger than 65 on Social Security Disability Insurance (SSDI).
Click here to schedule a time on my calendar for a 15 minute no-obligation session to discuss your Medicare options.
THERE IS NEVER A CHARGE FOR MY SERVICES. (That means your Medicare insurance premium is the exact same whether you work through me or work directly with the insurance company. The benefit you receive is independent expertise.)
Again, thank you for visiting The Big 65 Florida. There are many Medicare brokers in Florida and as a Medicare recipient, you have many options. It would be my privilege and pleasure to help you with your Medicare coverage here in Florida.
MY PROMISE: As your Florida Medicare insurance broker and advisor, I will always act in your best interest. I will be your advocate with the Medicare insurance carrier you choose. I will be here today, tomorrow, and every year you are enrolled in Medicare. That’s a promise.
YES, I would like to have a Florida licensed insurance agent call or email me about Medicare Advantage Plans, Medicare Part D Prescription Drug Plans and/or Medicare Supplement Insurance.
Karl Bruns-Kyler of The Big 65 Florida is licensed to help Medicare recipients throughout Florida. Some of the cities Karl serves in Florida include Apalachicola, Boca Raton, Bonita Springs, Boynton Beach, Brandon, Cape Coral, Delray Beach, Fellsmere, Fleming Island, Islamorada, Jupiter, Lauderhill, Mexico Beach, Micanopy, Mount Dora, Naples, Ocala, Orlando, Osprey, Pensacola, Port St. Lucie, Punta Gorda, Sebring, Tampa Bay, Vero Beach, and West Palm Beach. Karl also provides Medicare services to towns located in Florida’s Emerald Coast, including Seaside, Seagrove, Umatilla, and Rosemary Beach.
Karl Bruns-Kyler is a licensed independent Medicare insurance broker and independent agent in 33 states around the country to help with Medicare insurance. In addition to Florida, Karl is licensed in the following states to help with Medicare insurance: 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 around the country.
FAQs
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Why are there so many Medicare Advantage plan options in Florida?
Florida has one of the highest populations of Medicare beneficiaries, which drives competition among insurance providers. As a result, residents have access to dozens of plans — but comparing them carefully is key, since benefits and provider networks vary widely by ZIP code. -
Are there Medicare Advantage plans in Florida that include SilverSneakers or gym benefits?
Yes, many Medicare Advantage plans in Florida include fitness programs like SilverSneakers, along with additional perks such as dental and vision coverage. These extras can be valuable if staying active is part of your wellness routine. -
Can snowbirds keep the same Medicare plan when living part-time in Florida?
It depends. Original Medicare with a Medigap plan typically travels well, but many Medicare Advantage plans are limited to regional networks. Karl and The Big 65 can help you explore coverage options that work year-round — whether you split time between Florida and another state. -
Does Florida offer extra help for Medicare prescription costs?
Yes, eligible residents may qualify for federal Extra Help, as well as Florida-specific assistance through programs like SHINE (Serving Health Insurance Needs of Elders). These can lower or eliminate your monthly premiums and copays. -
What should I consider before switching Medicare plans in Florida during open enrollment?
Look beyond just premiums — consider whether your doctors are in-network, what your annual out-of-pocket max is, and if the drug formulary covers your prescriptions. Comparing these details with Karl helps you avoid costly surprises.