The Big 65 New Jersey
Independent New Jersey Medicare Insurance Broker
Welcome to The Big 65 New Jersey. My name is Karl Bruns-Kyler and I’m an independent New Jersey licensed Medicare insurance broker and independent agent with no affiliation to Medicare or the state of New Jersey.
For 20 years I’ve been helping Medicare recipients with Medicare health insurance coverage.
Many things have changed in New Jersey. But one thing hasn’t changed:
MEDICARE IS COMPLICATED !
My job as your independent New Jersey licensed Medicare insurance broker is to simplify Medicare by doing the following:
→ ONE … HELP identify the appropriate Medicare coverage for you with the lowest costs.
→ TWO … PROVIDE you with one-on-one, personalized service, every year to make sure your current Medicare coverage is meeting your healthcare needs.
→ THREE … KEEP you informed of changes to 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 Medicare premium is the exact same whether you work through me or work directly with the insurance carrier. The benefit you receive is independent expertise.)
Thank you for visiting The Big 65 New Jersey. It would be my privilege to help you with Medicare.
Karl Bruns-Kyler
New Jersey Medicare Insurance Broker and Independent Agent
MY PROMISE: As your independent New Jersey licensed Medicare insurance broker and insurance agent, 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 New Jersey 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 is licensed to help Medicare recipients across New Jersey. Cities served by Karl in New Jersey include Bedminster, Chatham, Haddon Heights, Ho-Ho-Kus, Margate City, Mendham, Morristown, Pensauken Township, Shrewsbury, Vineland, and Westfield.
Karl Bruns-Kyler is a licensed Medicare insurance broker and independent agent in thirty-three states from around the country to help with Medicare insurance. Those states include: 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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Are Medicare Advantage Plans available in all parts of New Jersey?
Yes, but plan options differ by county. Karl helps you compare local coverage in places like Camden, Morris, and Atlantic counties. -
Can New Jersey residents with high property taxes get help with Medicare costs?
While property taxes don’t directly affect Medicare, income-based programs like Extra Help and MSP can reduce premiums and drug costs. -
Do New Jersey Medicare plans include prescription drug coverage automatically?
Only some do. Many Advantage Plans bundle drug coverage, but if you have Original Medicare, you’ll need to enroll in a separate Part D plan. -
What Medicare options are best for people retiring early in New Jersey?
If you qualify through SSDI, Karl helps you review Supplement and Advantage options tailored to younger Medicare enrollees under 65. -
Can I keep seeing my doctor if I switch Medicare plans in New Jersey?
Not always. Karl checks your providers against each plan’s network so you don’t lose access when changing coverage. -
How often should New Jersey retirees review their Medicare coverage?
Every year. Plans change premiums, networks, and drug lists annually. Karl offers yearly reviews to keep your coverage aligned with your needs.