The Big 65 Indiana

Your Indiana Independent
Medicare Insurance Broker

Welcome to The Big 65 Indiana. My name is Karl Bruns-Kyler and I’m an independent Indiana licensed Medicare insurance broker with no affiliation to Medicare or the state of Indiana.  

For years I’ve been helping Medicare-eligible recipients in Indiana and across the country.  

My role as your independent Indiana licensed Medicare insurance broker, is to un-complicate Medicare by doing the following with each person I work with:

One … HELP you identify the appropriate Medicare Plan option for you with the lost costs.

Two … PROVIDE you with concierge level service each and every year to make sure your current Medicare Plan is meeting your ongoing healthcare needs.

Three … KEEP you abreast of changes in Medicare and the overall landscape of healthcare for people 65 years of age and older and those younger than 65 on Social Security Disability Insurance (SSDI).

THERE IS NEVER A CHARGE FOR MY SERVICES. (That means your insurance premium is the same whether you work with me or work directly with the insurance company. The benefit you receive is independent expertise.)

Thank you for visiting my website. It would be my privilege to help you with your Medicare coverage.

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Karl Bruns-Kyler
The Big 65 – Medicare Insurance Broker

YES, I would like to have a licensed Indiana insurance agent call or email me about Medicare Advantage Plans, Medicare Part D Prescription Drug Plans and/or Medicare Supplement Insurance.

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Karl Bruns-Kyler serves Medicare recipients in cities and towns across the state of Indiana. In addition to Bloomington and Goshen, Indiana, Karl serves Corydon, Covington, Carmel, Connersville, Eagle Pointe, Fritz Terrace, Goshen, Granger, Logansport, Loogootee, Marion, Matlock Heights, Meridian Hills, Metamora, Muncie, Munster, New Castle, North Webster, Paoli, Peru, Shipshewana, and Vincennes.

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Karl Bruns-Kyler is a licensed Medicare insurance broker and independent agent in thirty-three states around the country to help with Medicare insurance. Karl is licensed to help Medicare recipients 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 around the country.

 

FAQs

1. How does the Indiana SHIP program differ from working with an independent Medicare broker?
   The Indiana State Health Insurance Assistance Program (SHIP) provides general guidance, but doesn’t recommend specific plans. Working with an independent broker like Karl at The Big 65 offers one-on-one support, tailored plan comparisons, and annual reviews based on your personal needs — not just general information.

2. Why are Medicare Part D prescription drug prices so different across Indiana counties?
   In Indiana, prescription drug plan pricing can vary due to pharmacy networks, local provider contracts, and plan formularies. Residents in places like Goshen or Muncie might see different drug costs than those in Indianapolis or Vincennes — even under the same plan type.

3. Can I enroll in a Medicare plan in Indiana if I’m under 65 and on SSDI?
   Yes, Indiana residents under 65 who have received Social Security Disability Insurance (SSDI) for 24 months are eligible for Medicare. However, Medigap plan access and pricing for under-65 enrollees can be limited. It’s important to review your rights with a knowledgeable source.

4. What happens to my Medicare coverage if I move between cities in Indiana — like from Marion to Bloomington?
   If you’re on Original Medicare with a Medigap policy, your plan typically moves with you. But Medicare Advantage plans may be county-specific. A move across service areas could trigger a Special Enrollment Period (SEP), allowing you to update your coverage without penalty.

5. Does Indiana offer any state-based assistance programs for Medicare recipients beyond federal Extra Help?
   While Indiana follows federal Extra Help and Medicare Savings Program guidelines, the state also offers Medicaid programs that may work with Medicare to expand coverage for those with low incomes. Understanding these overlaps can reduce your out-of-pocket costs dramatically.