The Big 65 Maryland

Maryland Independent Medicare Insurance Broker

Thank you for visiting The Big 65 Maryland. My name is Karl Bruns-Kyler and I’m an independent Maryland Medicare insurance broker and independent Medicare agent with no affiliation to Medicare or the state of Maryland.

For over 20 years I’ve been helping Medicare-eligible recipients from across the country.

During these past two decades, many things have changed in Maryland. However, one thing has not changed:

MEDICARE  IS  COMPLICATED!

My role as your Medicare insurance broker, is to un-complicate Medicare by doing the following:

ONE … HELP you identify the appropriate Medicare Plan option for you.

TWO … FIND the lowest cost plan for the appropriate Medicare option for you.

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

FOUR … 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.)

Again, thank you for visiting The Big 65 Maryland Medicare insurance website. It would be my privilege to help you with your Medicare coverage.

Karl Bruns-Kyler
The Big 65 – Medicare Insurance Broker

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

---

Karl Bruns-Kyler is licensed to work with Medicare recipients throughout Maryland. In addition to the greater Baltimore area, Karl provides Medicare insurance services to towns and cities across Maryland, including Aberdeen, Annapolis, College Park, Cockeysville, Hagerstown, Laurel, Leonardtown, Owings Mills, Port Tobacco Village, Roland Park, Takoma Park, Towson, and Westminster.

---

Karl Bruns-Kyler is a licensed Medicare insurance agent (independent broker) in thirty-three states around the country to help with Medicare insurance. In addition to serving Maryland, 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 do I choose the right Medicare plan in Maryland?
   Plans vary by cost, provider network, and drug coverage. A Maryland licensed Medicare broker like Karl can help compare options that fit your healthcare needs and budget.

2. Are Medicare Advantage Plans available statewide in Maryland?
   Yes, most Maryland counties offer Medicare Advantage Plans, but benefits and provider networks differ.  ZIP-code-specific comparison is essential.

3. Do Maryland Medicare Advantage Plans include dental or vision?
   Some do. Many Advantage Plans in Maryland include dental, vision, and hearing benefits. Check each plan’s extras before enrolling.

4. Is there a fee to work with a Medicare insurance broker in Maryland?
   No. Your premium stays the same whether you enroll through Karl or directly with the insurer. His guidance is free.

5. Can Maryland residents on SSDI qualify for Medicare before age 65?
   Yes, after 24 months on SSDI, you become eligible for Medicare. Plan options may vary based on age and location.

6. What’s the difference between Medigap and Medicare Advantage in Maryland?
   Medigap helps pay out-of-pocket costs with Original Medicare. Advantage Plans combine benefits but have networks and copays.

7. Why should I review my Medicare plan in Maryland every year?
   Plans can change drug coverage, premiums, and providers annually. A yearly review helps avoid coverage gaps or unexpected costs.