Watch out for aggressive medical care

Karl Bruns-Kyler of The Big 65 is a Medicare insurance broker.  In this week’s blog, Karl shares the following warning:  Watch out for aggressive medical care. 

But first, may this note find you and your family in good health with your Medicare Insurance working properly.

Plato sure is glad to have everyone home even though he got spoiled while we were away.

Karl Bruns-Kyler of The Big 65 is a Medicare insurance broker watches Plato and Nicholas in Colorado.

But that’s the whole point of pets, right?  To give and get as much love as possible.

Plato is happy we are home and shouting at the squirrels.

Plato shouting at squirrels in Colorado.

At an insurance workshop this week, a colleague brought this article to my attention, and it is definitely worth a read.

Karl Bruns-Kyler of The Big 65 at insurance conference in Colorado.

According to the article, with alarming frequency, many seniors are encouraged to accept “aggressive end of life care” which may not be appropriate and will often cause individuals to live out their final moments in hospitals away from their loved ones or with poor quality of life.

Sus and Plato relaxing in Colorado living room.

“Although studies repeatedly show that most patients want to die at home, 25 percent of the community dwellers and almost 40 percent of the nursing home residents died in hospitals.”

The choices are never easy when it comes to end of life healthcare decisions, but it is very important to weigh the pros and the cons of any invasive procedure or service and to really understand the risk/reward ratio before you agree to aggressive treatment if someone you love is nearing the end of life.

Friend of The Big 65 Jean in Georgia with beautiful spring flowers.

Speaking of super healthy clients, Jean in Georgia looks as happy as always and is enjoying the spring like weather. Jean was one of five winners who guessed where last week’s pictures were from.

Singapore flag.

Starbucks gift cards go out next week to the winners. Congratulations!

Here’s a big shout out to my brother Robert for learning something new. Despite the wheelchair, Robert spent time in an adaptive skiing program that he says was tons of fun.

Robert Kyler skiing_The Big 65 Medicare insurance broker.

Never stop learning, never stop trying new things.

That’s it for this week. Keep squeezing the juice out of life.

And, if you are having Medicare questions or problems, email Gray, Gray@thebig65.com, or just book a time on my calendar.

We are here if you need us.

Let me know what’s going on your life, please send pictures for the newsletter, and remember…

Referrals are the lifeblood of my business!

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
-Robert B

Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-two states around the country, including:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

What’s the best drink for your health?

May this find you in good health with your Medicare Insurance working properly.

Today, I pose the question:  “What’s the best drink for your health?” 

But first …  the Bruns-Kyler family has returned to the States and boy are we glad to be home.  
The Big 65 Medicare insurance broker watches Quantz entering a car.
We chose to return home early because some family members are having health issues and Q wanted to be with them. That’s why I love her.

Can you tell where this week’s pictures were taken? As you read, pay attention!

I’ll be sending out Starbucks gift cards to the first five folks who email back the correct answer!

It’s great to be in my office again, plus, it’s time to get the yard ready for Spring.

Karl Bruns-Kyler having tea with friends.

For whatever reason, we’ve been seeing numerous Medicare billing issues so I have been drinking a lot of tea AND coffee to stay focused.

Be cautious before paying a Medicare related bill, mistakes are common!

Nice lady pouring tea by The Big 65.

This week, one client’s pharmacy claimed they didn’t have drug coverage.

That is the type of concern that wakes me up. It took a number of calls to get everything straightened out. Thank goodness the pharmacy was wrong!

I used to worry that coffee and tea could have negative effects on my health, but as long as they are used in moderation, and your doctor approves, both beverages seem to have positive health benefits.

Karl, Quantz, and Nicholas on a boat for The Big 65.

Caffeine can boost mood and improve performance, plus both drinks are rich in antioxidants.

Nice lady eating a meal with a bird on her shoulder.

Some studies link caffeine to weight loss and both drinks may provide anti-cancer benefits.

Beautiful plants indoors_photo by The Big 65 medicare insurance broker- agent.

One client in Texas shared how he takes a “Coffee Nap” in the afternoon.

Interesting plants in the sky.

When Michael is tired and has things to do, he’ll down a coffee, set an alarm for thirty minutes and take a quick siesta.

Quantz and Nicholas enjoying a meal together.

The caffeine will usually kick in just as the alarm goes off and then he is able to be quite productive.

Nice man playing an instrument for The Big 65 Medicare broker.

If you have insomnia or caffeine sensitivity, this may not be a good idea, always talk with your doctor.

The bottom line, it’s healthy to review your liquid consumption patterns and see if you can make small tweaks to optimize productivity, sleep, and overall health.

Nicholas embracing Plato for The Big 65.

Our Air Force son, Nicholas, is sure enjoying his first extended vacation in two years. Plato was so excited to see him when he got to our house.

We’re just happy to have our son home.

You know how quickly they grow up so don’t take anything for granted.

That’s it for this week. Keep squeezing the juice out of life.

And, if you are having Medicare questions or problems, email Gray, Gray@thebig65.com, or just book a time on my calendar.

We are here if you need us.

Let me know what’s going on your life, please send pictures for the newsletter, and remember…

Referrals are the lifeblood of my business!


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
-Robert B

Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-two states around the country, including:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

Do we have you in the right coverage?

May this blog post/newsletter find you in good health with your Medicare Insurance working properly.  Today’s question: “Do we have you in the right coverage?

Karl Bruns-Kyler helping Medicare clients for The Big 65.

In working with clients all over the country this week, it’s been a great opportunity to sharpen the saw and drill into the differences between plan types: Medicare Advantage and Medicare Supplement.

Man in tall grass as seen by Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

From a distance, it’s not always easy to understand the differences between the two types of plans and I often get the question: which type of plan is better?

The simple answer is… it truly depends on how each consumer uses healthcare.

Q and N exploring bamboo as seen by Karl Bruns-Kyler of The Big 65.

Medicare Supplements charge a monthly premium and allow consumers to go to any doctor who takes Medicare (and is willing to see them) and folks don’t have to deal with prior authorization for Medicare approved services. They also don’t receive extra benefits and the premiums typically go up every year.

Adorable critter holding on to a branch.

Medicare Advantage Plans typically have no premiums, offer additional bells and whistles but require you to jump through additional hoops for certain services.

Photo of an orangutan eating an apple as viewed by The Big 65.

As your independent Medicare Insurance Broker, I try to spend most of my time understanding your healthcare preferences and how you prefer to receive healthcare services.

After that, it’s all about education and understanding the pros and the cons of each type of plan and letting YOU make your own choice.

Kids playing in the water and smiling at The Big 65.

That’s the reason for this newsletter, so that we can stay connected to make sure your coverage is working the way it should.

Musician playing a harp for The Big 65.

Of course, nothing works perfectly. Sometimes there are billing errors, other times it’s hard to reach customer service. Life is imperfect at best, but the important thing is you have an additional resource: The Big 65!

Nicholas with a big smile from The Big 65 Medicare insurance agency.

If you are having issues, always call the carrier first.

However, if you speak with the carrier and you are stilling having problems, please reach out to us by email or just book a time on my calendar.

That why I’m here. Medicare call centers (and all those enticing commercials you see on TV) only want you to switch plans. If it’s necessary, we can do that, but usually there’s an easier fix.

Nicholas double-fisted with two drinks.

It sure has been fun to finally have an extended vacation with our Air Force son Nicholas.

Karl Bruns-Kyler and Nicholas working on bucket list together.

We worked on his bucket list one night and I didn’t even try to keep up with him. I guess we were all young once, right?

South Carolina springtime scene_The Big 65 South Carolina

I keep hearing from clients like Claire in South Carolina that spring is on the way so don’t give up hope!

That’s it for this week. Keep squeezing the juice out of life.

And, if you are having Medicare questions or problems, email Gray, Gray@thebig65.com, or just book a time on my calendar.

We are here if you need us.

Let me know what’s going on your life, please send pictures for the newsletter, and remember…

Referrals are the lifeblood of my business!

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
Robert B

Happy with my Service?  Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-two states around the country, including:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

Are your doctors really taking care of you?

Are your doctors really taking care of you?  Is your Medicare insurance working properly?

I wish the above cartoon was a one-off joke that we could all laugh at and ignore, but that just isn’t the case. Getting lost in the medical labyrinth is much more common than we would like to believe.

Today, I want to share a tip on how to get in to see medical providers faster when they can’t see you in a timely manner.  

Karl Bruns-Kyler of The Big 65 and his wife Quantz holding a live serpent

I spoke with a client in Michigan this week who was under a double whammy: a power outage because of the snow and a specialist who couldn’t seem him for three months.

Photograph of a monkey sitting on a gold crown.

While I couldn’t do anything about the outage, this is the solution that did help him get in quicker:

James started calling the receptionist EVERY DAY the moment they opened and right after lunch to KEEP asking about cancellations. The polite/squeaky wheel often gets the oil!

Karl Bruns-Kyler of The Big 65 sees monks walking.

We spoke on Monday and by Thursday, James had gotten on his Urologist’s calendar. This will not always work, but it often does.

Of course, you could consider finding a different physician, but most of don’t like to switch doctors. There is normally great value in long term continuity.

However, if you are consistently underwhelmed by the response you receive from your provider, you may want to look up their ratings on third party websites like Heathgrades.com, Vitals or some of the others listed in this link.

Shoplifters will be prostituted sign in a store.

If you discover that a provider is consistently receiving negative reviews, you may want to look for a new provider.

Please know the lion’s share of medical providers are doing their best to provide great care, but like everything else in life, the eighty-twenty rule applies.

Photo of Quantz and Nicholas reunited with The Big 65 and Karl Bruns-Kyler.

Well, I am pleased to report that the Bruns-Kyler family has reunited in Kuala Lumpur. Quantz returned from travels in Burma and…

Nicholas holding chopsticks with Karl Bruns-Kyler.

Our Air Force son, Nicholas, after three cancelled vacations because of the Ukraine situation, was finally able to meet up with us for some for very well-deserved leave.

Time with grown up children is a blessing, isn’t it?

Malaysia is a multiculture country of Malays, Indians, and Chinese.

Malaysia is a very modern country with a very old world feel, a very multicultural country of Malays, Indians and Chinese.

Malaysia in a beautiful country with great food, Karl Bruns-Kyler.

That means the food is incredibly diverse and delicious. Though we didn’t try everything.

Photo of Drunken Duck Tongue on a menu.

One of the things we did finally try is durian, have you heard of it?

Durian is a fruit banned in Singapore because of the smell.

This fruit is banned in Singapore because of its smell, but it has a fanatical following, nonetheless.

Photo of Karl Bruns-Kyler and his son Nicholas.

Of course, following my axiom of trying new things, we had to give it a try.

Karl Bruns-Kyler is a Medicare insurance broker with The Big 65 Colorado.

I’ve gotta tell you, I am NOT a fan. It has a taste of rotten onions and the texture of meat.

As you can imagine, Q was not a fan. But hey, it’s off our bucket list. You win some, you lose some, right?

Quantz points to "No Durian" sign on store window.

That’s it for this week. Keep squeezing the juice out of life.

And, if you are having Medicare questions or problems, email Gray, Gray@thebig65.com, or just book a time on my calendar.

We are here if you need us.

Let me know what’s going on your life, please send pictures for the newsletter, and remember…

Referrals are the lifeblood of my business!

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


As a novice to navigating the Medicare system, I cannot recommend the services of Karl enough. His knowledge has saved my wife and I a lot of money, both on the Medicare supplement insurance and the drug coverage. Costs you nothing to listen and has saved up thousands of dollars over time.
-Robert B

Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-two states around the country, including:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”

The Big 65 Medicare Insurance Broker logo

The Annual Election Period ended December 7th but …

May this blog post/newsletter find you in good health with your Medicare coverage working properly.

The Annual Election Period ended December 7th and Plato is ready to dance!

Karl and Plato dancing_The Big 65 Medicare Insurance Broker

It was a pleasure to catch up with so many of you all over the country and I am excited to have a little down time.

Karl and Plato watch soccer_The Big 65

Even though most of my teams are out of the World Cup, I’m having fun seeing some of the games now.

The Annual Election Period ended December 7th but … just remember, if you meant to book a time but didn’t, we can still review your coverage and put an action plan together for next year.

Don’t be like Georgia and hold it in (Georgia dug up and swallowed a mole). If you are having issues, please reach out.

Georgia-Friend of The Big 65 Medicare Insurance Broker

The end of the year is always a perfect time to look back and consider opportunities to make small changes that can improve our lives and the lives of everyone we touch.

This article captures some of the bigger ways to live well but this quote below says it all:

Ashley Montagu on aging_The Big 65

We get smarter as we age, but if we are not careful, we get crankier. Our logical minds focus on everything that isn’t working well instead of the things that are working well.

I could get angry and blame the Air Force for cancelling our son’s vacation or…

The Big 65 Celebrates in Colorado_The Big 65 Medicare Insurance Broker

I could give thanks that one of our former exchange students surprised us with a visit from Mexico. Santiago just finished his fall semester at the University of Puebla studying business.

Having him around has been great fun: playing ping pong (now he beats me), hiking and maybe skiing next week. I’m doing my best to keep up and Q is making sure Santi eats like a king (which means the house is filled with good stuff she would only get to spoil our kids.)

The static wall sit is the only thing I’ve beat him at so far!

Santiago, Karl, and Plato_The Big 65

The purpose of this newsletter is to helps us stay in touch and to inspire each of you to live your own best life. You don’t need to read it every week, just know it’s here so you can get a hold of me when you need me.

I’m constantly inspired by my brother Robert. He severed his spinal cord four years ago, but instead of defining him, this event has been a catalyst for growth. I will not minimize how challenging it has been, but Robert still practices medicine and is more connected to his patients and life as a result of this experience. He continues to push himself mentally, physically and spiritually.

He is my role model. This is him on the beach of Lake Erie over Thanksgiving.

Robert Kyler by Lake Erie_The Big 65

As we continue into the holidays, look for joy and adventure in every encounter. It’s not what happens to us but… how we choose to respond.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in twenty-two states around the country, including:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare Insurance Broker logo

What Is Crystallized Intelligence? A Simple Guide

I hope you’ve been avoiding the Medicare trolls and incessant telemarketers. Beware of anyone who promises too much! Meanwhile, Plato says Happy SNowvember

Here are a few stories that may inspire you to use your crystallized intelligence.

Last Saturday, when we were walking, we ran into a buddy who saved his newly born grandchild’s life. The baby was born prematurely and was not putting on weight. After one ounce of milk, the baby stopped nursing and the newly minted doctor ordered a feeding tube but the feeding tube was not fixing the problem. The baby was still losing weight.

My buddy had been actively involved in the feeding and the care of all sixteen of his other grandchildren and he took the doctor to task.

He asked for the chance to remedy the situation by being allowed to take over the feeding. In one night, using the learning of a lifetime, Bill turned the situation around.

When morning came around, his grandbaby had consumed 2 and 1/2 bottles of formula and was on the road to living. No feeding tube was needed after Bill worked his magic.

Plato Happy Snowvember from The Big 65

We often think of aging as a diminishing process. However, don’t underestimate the power of crystallized intelligence … the wisdom we have gained over a lifetime.

In our younger years, it’s our fluid intelligence that helps us succeed. As we age, crystallized intelligence makes us specialists in certain areas and the onus is upon us to use that wisdom for good.

Since I’ve already made every mistake in the book, I try to use what I have learned to mentor the lives of younger people (and of course to help all of you with Medicare).

Aging well should also include growth, learning and trying new things, but do look for ways to share what you have learned over life with your tribe. How are you going to help others?

Here’s how Martin has helped ...

Martin is a buddy of mine in France. He bought this barren farm in 1992 when he had a still had a head full of hair. Over the next thirty years, he worked as a teacher and spent his free time transforming the land into a forest. Martin jokes that though he lost hair, he regrew it on the land. That, to me, is a legacy.

Famed psychologist Raymond Cattell describes crystallized intelligence as what we acquire from past experiences, through knowledge, and culture.

There are more ways we can learn to use our crystallized intelligence for enriching the lives of our fellow humans.

Tom’s Halloween Masterpiece …

Tom's Halloween Masterpiece That Kids Love

Neighbor Tom takes pleasure every year in building a Halloween spectacle. Though his kids have been out of the house for quite a while, Tom has created a masterpiece that brings joy to everyone who sees it. Each year, his monster madness is more amazing than the year before.

Ed and Perri walking with their dog_neighbors of The Big 65

Ed and Perri are neighbors. We usually run into each other out on the trails with our dogs. Though I don’t know them well, I always enjoy our casual conversations. Everything I read says these connections are essential to living well, to staying connected. So, keep looking for ways to stay connected, that is the secret sauce.

You all know that I love Colorado, but if you are looking for “Almost Heaven…”

Shenandoah Valley in Virginia_The Big 65 Medicare Broker

You have to go where I grew up, the Shenandoah Valley, the edge of West Virginia.

Haas in Virginia_brother of Karl and a friend of The Big 65

My little brother Haas lives deep in the Valley and he’s loving his new puppy, Georgia, even when she causes trouble. He takes her everywhere he goes.

Haas with Georgia in Virginia_The Big 65 Medicare Insurance Broker

Georgia says watch out for “Medicare bull” and don’t underestimate the power of your own crystallized intelligence. And let me know what’s going on in your world and how I can help. 

Please forward this newsletter to all your friends and family! Remember, referrals are the lifeblood of my business. And thank you.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


Karl Bruns-Kyler is a Medicare insurance broker licensed to help Medicare recipients in twenty-two states around the country. States served by Karl include:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin


We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Pennsylvania Medicare insurance agent Karl Kyler

 

7 Natural Ways to Lower Your Blood Pressure

Receiving a high blood pressure diagnosis can feel unsettling, and the thought of starting a new medication can be daunting. While medication is a critical tool for many, it’s not the only one. Your daily habits—from the food you eat to how you manage stress—play a massive role in your cardiovascular health. For some people, making targeted lifestyle adjustments can be just as effective as medication. This article is focused on those powerful, everyday strategies. We will walk through the practical, sustainable changes you can make to your diet, exercise routine, and daily life to effectively lower blood pressure naturally.

Understanding High Blood Pressure (Hypertension)

High blood pressure, also known as hypertension, is a common condition where the long-term force of blood against your artery walls is high enough that it may eventually cause health problems, such as heart disease. The tricky part is that you can have high blood pressure for years without any symptoms. This lack of warning signs is why it’s often called the “silent killer.” It can quietly damage your body long before you feel that anything is wrong. That’s why regular blood pressure screenings are so important, especially as we get older. Knowing your numbers is the first step toward protecting your health and preventing serious complications down the road.

Why It’s Often Called the “Silent Killer”

The term “silent killer” might sound dramatic, but it accurately describes the danger of untreated hypertension. Because it typically has no symptoms, many people are unaware they have it. Over time, this constant high pressure damages your arteries, heart, brain, kidneys, and even your eyes. This damage can lead to a heart attack, stroke, kidney failure, or other life-threatening conditions. The American Heart Association emphasizes that this condition can quietly damage your blood vessels and lead to serious health problems. Regular check-ups with your doctor are the best way to catch it early and take action before significant harm occurs.

Understanding Your Blood Pressure Readings

When you get your blood pressure checked, you’ll see two numbers. The top number (systolic pressure) measures the pressure in your arteries when your heart beats. The bottom number (diastolic pressure) measures the pressure in your arteries between beats. Understanding what these numbers mean is key to managing your health. It’s not just about being “high” or “low”; there are specific ranges that indicate different levels of risk. Keeping a log of your readings can help you and your doctor track your blood pressure over time and see how well your treatment plan is working. This simple habit can make a huge difference in your long-term health.

Blood Pressure Categories Explained

According to the American Heart Association, blood pressure levels fall into a few categories. A normal reading is when your top number is less than 120 AND your bottom number is less than 80. An elevated reading is a top number between 120-129 AND a bottom number less than 80. High blood pressure begins at Stage 1, which is a top number of 130-139 OR a bottom number of 80-89. Stage 2 is more serious, with a top number of 140 or higher OR a bottom number of 90 or higher. Knowing which category you fall into helps determine the best course of action.

When to Seek Emergency Help

A hypertensive emergency occurs when your blood pressure is extremely high—a top number over 180 AND/OR a bottom number over 120. This requires immediate medical attention. If you get a reading this high, wait five minutes and test again. If it’s still in that range, call 911 right away, especially if you are experiencing symptoms like chest pain, shortness of breath, numbness, weakness, changes in your vision, or difficulty speaking. Do not wait to see if your pressure comes down on its own. This is a critical situation where prompt medical care can prevent organ damage and save your life.

Key Risk Factors for High Blood Pressure

Several factors can increase your risk of developing high blood pressure. Some, like age and family history, are out of your control. However, many key risk factors are related to lifestyle. These include eating a diet high in sodium, not getting enough potassium, lack of physical activity, drinking too much alcohol, and smoking. According to MedlinePlus, high blood pressure is also more common in Black adults and can develop earlier in life. Understanding your personal risk factors is crucial because it allows you to focus on making specific, targeted changes to protect your health and manage your blood pressure effectively.

Comprehensive Lifestyle Changes for Blood Pressure Management

Making healthy lifestyle changes is a powerful way to manage high blood pressure. For many people, these adjustments can be so effective that they may delay, reduce, or even eliminate the need for medication. Think of it as building a strong foundation for your health. Simple, consistent habits related to diet, exercise, and stress can have a profound impact on your blood pressure numbers and overall well-being. It’s about taking proactive steps to support your body. Many Medicare plans even include wellness benefits that can help you on this journey, such as access to fitness programs or nutrition counseling.

A heart-healthy diet is essential. The DASH (Dietary Approaches to Stop Hypertension) eating plan is often recommended because it’s rich in fruits, vegetables, whole grains, and low-fat dairy products. A key part of this diet is reducing your sodium intake, as too much salt can cause your body to retain fluid, which increases blood pressure. Regular physical activity is another cornerstone of blood pressure management. Aim for at least 30 minutes of moderate activity, like brisk walking or swimming, most days of the week. This helps strengthen your heart, allowing it to pump blood more efficiently and with less effort.

Finally, don’t underestimate the impact of stress and other daily habits. Chronic stress can contribute to high blood pressure, so finding healthy ways to cope is important. This could be through meditation, deep breathing exercises, spending time in nature, or enjoying a hobby. Limiting alcohol and quitting smoking are also critical steps, as both can raise your blood pressure significantly. At The Big 65, we know that managing your health is a top priority. By focusing on these lifestyle changes, you can take meaningful control of your blood pressure and support your long-term health goals.

How to Lower Blood Pressure Without Medication

Hello friends … I hope this finds you in good health with your Medicare Coverage working properly.

Plato the dog ready for Halloween with The Big 65

Plato wants you to know he is excited for the cooler weather, Halloween, and all the candy he can scrounge.

South Carolina house flooding

Meanwhile, the rest of us are worried sick about Hurricane Ian and all our friends and family down south. Amazingly, my in-law’s place in the Low Country of South Carolina, despite this picture, is still above the floodwaters.

Can you lower your blood pressure without drugs? 

According to a recent article, daily deep diaphragmatic breathing exercises, 30 breaths per day over six weeks, could significantly reduce systolic blood pressure levels, possibly to the same extent as a blood pressure medication.

Now don’t stop taking your medications, but do read this article and definitely talk to your doctor. When my car stopped working today, I practiced what I preached.


The Annual Election Period begins today, October 1st. You can’t make any changes until October 15th, but if you are concerned about your coverage…

Do book a time on my calendar.

If you are happy with your current coverage, and your Annual Notice of Changes looks good, you don’t need to call me. Just be sure to ignore all the noise from Captain Kirk and the rest.

Quantz and Nicholas_The Big 65

Well Quantz left me, again… this time for London, to see our Air Force son Nicholas.

He was supposed to be coming home in October but the Air Force has other plans for him.

They say he’s about to be deployed from Britain to somewhere in Asia. Please keep him in your prayers (along with all our soldiers and those devastated by the Hurricane.)

Meanwhile …

Steve and Jo on a long trip_The Big 65

After 8,387 miles, please welcome home Steve and Jo from their amazing adventure to Alaska.

While crossing back into the US at the border and stopping for an agricultural inspection, our brave couple had an issue with the lock on the motorhome.

Steve and Jo and the RV 1_The Big 65

Steve, being the engineer that he is, had Jo step on the tire…

Steve and Jo and the RV_The Big 65 blog

Then a little support…

Steve and Jo and the RV_Success_The Big 65

And then a final push ! This is proof that true love endures.

I’m so impressed with these two adventurers.

A box of chocolates to anyone out there with a better story (and a picture).


Marley the Dog

Susan, in Florida (she’s okay), sent this picture of her Buckeye loving baby named Marley.

Marley asks everyone to keep their paws crossed that the Buckeye’s prevail over Rutgers today.

### Adopt a Heart-Healthy Diet

What you eat has a direct impact on your heart health and blood pressure. Shifting to a diet centered on whole grains, fruits, vegetables, and low-fat dairy can make a significant difference. The idea is to reduce foods high in saturated fat and cholesterol, which can contribute to arterial plaque and higher blood pressure readings. Think of it as fueling your body with the good stuff it needs to run efficiently. This doesn’t mean you have to give up all your favorite foods, but rather focus on balance and making smarter choices most of the time. A well-rounded, heart-healthy eating plan is a powerful tool for managing your blood pressure and overall well-being.

Reduce Sodium Intake

One of the most common pieces of advice for lowering blood pressure is to watch your salt intake, and for good reason. Even a small reduction in the sodium in your diet can improve your heart health and lower your blood pressure. The general recommendation is to limit sodium to 2,300 milligrams (mg) a day, but aiming for an ideal limit of 1,500 mg or less is even better for most adults. A lot of sodium comes from processed and restaurant foods, so reading labels and cooking at home more often can help you stay in control of how much salt you’re consuming.

Increase Potassium-Rich Foods

While you’re cutting back on sodium, it’s a great idea to increase your potassium intake. Potassium helps lessen the effects of sodium on your body and can ease tension in your blood vessel walls, which helps lower blood pressure. You don’t need special supplements to get more potassium; it’s found in many delicious and common foods. Some excellent sources include bananas, spinach, potatoes, avocados, and beans. Incorporating more of these potassium-rich foods into your meals is a simple and natural way to support your blood pressure management goals and add more nutrients to your diet.

### Incorporate Regular Exercise

Getting your body moving is a cornerstone of a healthy lifestyle, especially when it comes to managing blood pressure. Regular physical activity strengthens your heart, allowing it to pump more blood with less effort. This reduces the force on your arteries, which in turn lowers your blood pressure. The goal is to aim for at least 30 minutes of moderate-intensity exercise most days of the week. This could be a brisk walk, a bike ride, swimming, or even dancing. The key is consistency. Find an activity you genuinely enjoy, as you’ll be more likely to stick with it long-term and reap the incredible benefits for your heart.

### Focus on Weight Management

Carrying extra weight can put a strain on your heart and is a significant risk factor for high blood pressure. The good news is that losing even a small amount of weight can have a major positive impact. In fact, blood pressure can drop by about 1 millimeter of mercury (mm Hg) for every 2.2 pounds you lose. This means you don’t need to aim for a drastic transformation to see results. Combining a heart-healthy diet with regular exercise is the most effective way to achieve and maintain a healthy weight, which will not only help your blood pressure but also improve your overall health and energy levels.

### Limit Alcohol and Quit Smoking

Your lifestyle habits play a huge role in blood pressure management. Drinking too much alcohol can raise blood pressure to unhealthy levels and can also interfere with the effectiveness of blood pressure medications. It’s recommended to limit alcohol consumption to no more than one drink a day for women and two drinks a day for men. Similarly, every time you smoke, it causes a temporary increase in your blood pressure. Quitting smoking is one of the best things you can do for your heart, as it helps your blood pressure return to a more normal level and significantly reduces your risk of heart disease and stroke.

### Prioritize Quality Sleep

Never underestimate the power of a good night’s rest. Consistently poor sleep—getting less than seven hours a night over a period of weeks—can contribute to high blood pressure. Your body needs adequate sleep to regulate stress hormones and keep your nervous system healthy. To improve your sleep quality, try to stick to a regular sleep schedule, create a relaxing bedtime routine, and make sure your bedroom is dark, quiet, and cool. If you suspect you have a condition like sleep apnea, which can also impact blood pressure, it’s important to talk to your doctor about getting it treated.

### Develop Healthy Stress Management Habits

While occasional stress is a normal part of life, long-term or chronic stress can contribute to high blood pressure. When you’re stressed, your body produces a surge of hormones that temporarily increase your blood pressure by causing your heart to beat faster and your blood vessels to narrow. Finding healthy ways to cope with stress is essential. This could involve deep breathing exercises, meditation, yoga, spending time in nature, or engaging in a hobby you love. Identifying your personal stress triggers and learning effective stress management techniques can make a real difference in your daily life and your blood pressure readings.

The Role of Medical Monitoring and Support

While lifestyle changes are incredibly powerful, managing high blood pressure is most effective when it’s a partnership between you and your healthcare provider. Your doctor can help you create a personalized plan, track your progress, and determine if and when medication might be necessary. Regular check-ins ensure that your efforts are working and allow for adjustments to be made along the way. Think of your doctor as your co-pilot; they provide the medical expertise and guidance, but you are in the driver’s seat of your own health. Open communication and following their professional advice are key to successfully keeping your blood pressure in a healthy range for the long haul.

### Why Medication Is Sometimes Necessary

Making positive lifestyle changes is the first and most important step in managing high blood pressure. However, for many people, diet and exercise alone may not be enough to reach their blood pressure goals. If your numbers remain high despite your best efforts, your doctor may recommend medication. This isn’t a sign of failure; it’s a crucial tool to protect your health and reduce your risk of serious complications like heart attack and stroke. Medications work in different ways to lower blood pressure, and your doctor will find the right one for you. It’s essential to take any prescribed medication exactly as directed and continue your healthy lifestyle habits.

### The Importance of Home Monitoring and Regular Checkups

Keeping an eye on your blood pressure at home is a great way to stay engaged with your health. Using a home blood pressure monitor allows you to track your numbers regularly and see how your lifestyle changes are impacting your readings in real-time. This information is also incredibly valuable for your doctor, giving them a more complete picture of your blood pressure patterns than a single reading at their office can provide. Be sure to bring your log of home readings to your regular checkups. These appointments are vital for discussing your progress, addressing any concerns, and ensuring your treatment plan remains effective.

### Managing Related Health Conditions

High blood pressure doesn’t exist in a vacuum; it’s often linked with other health conditions and can increase the risk of developing new ones. Effectively managing your blood pressure is one of the most important things you can do to protect your overall health. It’s a proactive step that helps safeguard you from a wide range of serious issues. By keeping your blood pressure under control through lifestyle changes and, if needed, medication, you are actively investing in your long-term health and quality of life, reducing the strain on your entire cardiovascular system and other vital organs.

How High Blood Pressure Affects Your Overall Health

Uncontrolled high blood pressure can quietly damage your body for years before symptoms develop. This consistent strain on your arteries can lead to serious health problems, including heart attack, stroke, heart failure, and kidney damage. It can also affect your vision, contribute to sexual dysfunction, and even play a role in the development of dementia. This is why managing high blood pressure is so critical. It’s not just about a number; it’s about protecting your brain, your heart, your kidneys, and your ability to live a full and active life for years to come.

As experts in Medicare, we at The Big 65 often see how managing chronic conditions like high blood pressure is essential for our clients’ long-term well-being and healthcare planning.

Having the right healthcare coverage is a key piece of the puzzle. A good Medicare plan can provide access to the doctors, treatments, and prescription medications you need to manage your blood pressure effectively. It can also cover preventive services that help you stay on top of your health. When you’re not worried about the cost of care, you can focus on what truly matters: following your doctor’s advice and living a healthier life. We help our clients find plans that support their specific health needs, ensuring they have a strong foundation for managing chronic conditions.

### Building a Strong Support System

Managing a long-term health condition like high blood pressure is easier when you don’t have to do it alone. Having a strong support system of family and friends can make a world of difference. These are the people who can encourage you to stick with your exercise routine, share healthy meals with you, and provide emotional support when you feel discouraged. Don’t be afraid to share your goals and challenges with your loved ones. You might also consider joining a support group, either online or in person, to connect with others who are on a similar journey. Sharing experiences and advice can be incredibly motivating.

Your First Step Toward Better Health

Please forward this newsletter to all your friends and family who might need help with Medicare !

Have a great week, be safe and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211

“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”

www.TheBig65.com

Frequently Asked Questions

Can I really lower my blood pressure without medication? For many people, the answer is yes. Making consistent, meaningful changes to your diet, exercise routine, and stress levels can have a powerful effect, sometimes just as much as medication. However, it’s essential to see lifestyle adjustments and medication as partners, not opponents. The best approach is always one you create with your doctor, who can help you track your progress and decide if or when medication becomes a necessary tool to protect your health.

My blood pressure is just ‘elevated,’ not ‘high.’ Should I still be concerned? Think of an “elevated” reading as an early warning sign. It’s your body’s way of telling you that you’re heading toward high blood pressure if things don’t change. This is actually the perfect time to take action. By implementing healthier habits now, you have a fantastic opportunity to prevent your blood pressure from rising into a more dangerous range, potentially avoiding the need for medication down the road.

If I’m already taking blood pressure medication, do these lifestyle changes still matter? Absolutely. Healthy habits are important for everyone, regardless of whether they take medication. Adopting a heart-healthy lifestyle can make your medication more effective and can improve your overall well-being. In some cases, your doctor might even be able to reduce your dosage over time if your numbers improve significantly through diet and exercise. Think of it as a team effort—your habits and your medication are working together for your health.

All these diet changes feel overwhelming. Where’s the best place to start? It’s completely normal to feel that way. Instead of trying to change everything at once, focus on one high-impact area first: sodium. Start by reading the nutrition labels on packaged foods like soups, frozen meals, and bread, and you might be surprised by how much salt is hiding in them. Making a conscious effort to choose lower-sodium options and cooking more meals at home are simple first steps that can make a big difference.

How quickly can I expect to see a change in my blood pressure after making these adjustments? There’s no single timeline, as everyone’s body responds differently. Some people might see a noticeable drop in their numbers within a few weeks, while for others, it may be a more gradual process over a few months. The key is consistency. The goal isn’t a quick fix but to build sustainable habits that support your heart health for the long haul. Be patient with yourself and focus on making steady progress.

Key Takeaways

  • Small daily choices make a big impact: You can effectively manage your blood pressure by focusing on consistent lifestyle adjustments. Prioritize a diet rich in fruits, vegetables, and potassium while cutting back on sodium, and incorporate regular physical activity that you genuinely enjoy.
  • Track your progress and team up with your doctor: Since high blood pressure is often asymptomatic, monitoring your numbers at home gives you and your doctor valuable insight. This collaborative approach helps you see the results of your efforts and make informed decisions about your treatment plan.
  • Don’t overlook the power of rest and relaxation: Chronic stress and poor sleep directly affect your blood pressure. Integrating healthy stress-management techniques and ensuring you get consistent, quality sleep are foundational pieces of your overall heart health strategy.

Related Articles

Bee Careful About Medicare Marketers

Medicare Advertising Under Scrutiny:  Bee Careful

An article in the Wall Street Journal recently caught my attention with this headline:

Celebrity Medicare Sales Pitches Are Toned Down After Scrutiny

Although Medicare advertising is under scrutiny, we are finally beginning to see a clamp down on some of the hyper-annoying and misleading advertising.  BUT – Medicare beneficiaries will continue to receive unsolicited and relentless phone calls, especially as we approach the Medicare Annual Enrollment Period (AEP for short).

The antidote?  SKIP the calls and MUTE the commercials.

Medicare advertising under scrutiny

I’ve created a new celebrity and his name is Big Head Ted (from Q’s garden).  This is what Big Head Ted says about some of the celebrity Medicare advertising going on now:

“The Medicare ads from my fellow celebrities are designed to scare you into believing that you are missing out (FOMO) on all kinds of benefits.  But here’s the rub:  most of the huge benefits that are advertised are only available to people in the absolute lowest income levels.  Where I come from, they call it the old BAIT and SWITCH.”

Now we see why Medicare marketing is under scrutiny.

Of course, it’s important to review your coverage!  And starting in October, AFTER you receive your Annual Notice of Changes from your carrier, we will dig in and make sure you have what you need. “And that’s a promise” says Big Head Ted.


Life Can Be Beautiful, Wherever You Are

Color photo of South Caroline sunset

Q took this picture while visiting her parents in South Carolina. Yes, Colorado is beautiful, but the sunrises and marshes of the Low Country are beautiful.

Photo of Red Rocks in Colorado

Colorado may lack water, but let’s not forget Red Rocks, one of America’s greatest outdoor amphitheaters, built by the Civilian Conservation Corps during the Great Depression.  The Red Rocks amphitheater has incredible acoustics surrounded by jaw dropping beauty.

Photo of Robert Plant and Alison Krauss performing at Red Rocks in Colorado but not singing about Medicare advertising under scrutiny..

I never saw Led Zeppelin as a youth, but while Q was away, I did go see Robert Plant and Alison Krauss perform under the stars at Red Rocks. It was one of the best concerts of my life.

Hey, that’s what Quantz gets for abandoning me, right ….?

Yes, Medicare advertising is under scrutiny. But there is much beauty in the world, too.  

Well, that’s all for this week.

Please remember to send your friends and family my way if they need help with Medicare. Referrals and happy clients are the lifeblood of our business!

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


The Big 65 and Karl Bruns-Kyler are based in Highlands Ranch, Colorado.  Karl provides Medicare insurance services to the Front Range region of Colorado, including Denver, Highlands Ranch, Littleton, Boulder, Centennial, Colorado Springs, Lone Tree, Greenwood Village and throughout Colorado.

Karl is also licensed in seventeen additional states to help with Medicare insurance.  Those additional states include Alabama, Arizona, Florida, Georgia, Indiana, Kansas, Louisiana, Maryland, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin.


Karl Bruns-Kyler is a Private Insurance Broker, a Certified Senior Advisor, CSA,­ with no affiliation to Medicare, CMS or any governmental organization.

www.TheBig65.com

Don’t Let Pride Get In Your Way, Get Your Hearing Tested!

Let’s get down to it:  untreated hearing loss and untreated vision loss will cause a person to be less engaged, less connected, less alive, less content.  One of our frequent themes here at the Big 65:

If you are not growing, you are dying!

A few years ago, after much nagging from my family, I finally agreed to have my hearing tested.  The result?  Shock of shocks, I had hearing loss, I couldn’t hear the high-pitched tones, including my wife.

My response:  I got hearing aids, the second-best decision I have ever made (marrying my wife being the best).

The benefits were instantaneous:  I could hear birds sing, my family stopped having to repeat themselves constantly, I was immediately sharper and more productive, I could hear at parties.  Everyone was happier, especially me!

According to my Audiologist, Dr. Brock Sturlaugson at Hearing Rehab Solutions, most people wait years and years to have their hearing tested, long after they’ve been experiencing
problems.  Why do people wait?

Well for me it was pride. No one wants to admit they are getting older.  The good news is the devices are smaller, less noticeable and more powerful than ever.  Some days, when I wear practically invisible hearing aids and put in my contact lenses, I feel like the six-million-dollar man!

This article in the New York Times discusses the link between cognitive decline, hearing and vision loss.  While the link is not perfectly linear, one thing is certain:  the more connected we remain to family, community and life, the more content we are.

Even better news, some of the Medicare related health plans I work with are beginning to offer hearing benefits.  If you think you or a loved one is asking those around to repeat themselves too often, or if feel you are disengaging, it may be time to check your eyes and your ears.

So, go it do now! Think of it as a gift for the people you love.

It’ll cost you money and you may have to swallow your pride.

But, when you hear the birds singing in the back yard while you sip your coffee and marvel at the brilliant light in a morning sunrise, you’ll be damn glad you did, and so will those who love you!

And to all the audiologists in the world…thanks!

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here


Medicare insurance agent Karl Bruns-Kyler of The Big 65 Insurance Services company.

Karl Bruns-Kyler is a Certified Senior Advisor and licensed independent insurance agent focused on helping consumers shop for Medicare coverage.


The Big 65 Medicare Insurance Services does not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.