Karl Bruns-Kyler Archives

Don’t ever pay…immediately ⚠️!

Hello and may this blog find you in amazing health with your Medicare insurance coverage 🏥 working well.

For Medicare questions or concerns, book a time on my calendar or email Gray, Gray@TheBig65.com if you need us.

If you were driving the backroads of Mexico and you came across a cowboy 🤠 leading his cattle🐄 across the road, you’d slow down, right?

Consider using the same strategy when it comes to paying Medicare medical bills—proceed with caution⚠️.

One Medicare client received a shocking $50,000 hospital bill😱, but after a few calls, it was corrected to less than $1,000. What a difference😌!

To avoid overpaying, separate the forest from the trees.

Here’s what to do:

Review Your Bill Carefully:

Never pay the bill immediately.
Request an itemized statement from your healthcare provider.
Look for duplicate charges, services you didn’t receive, or any unfamiliar billing codes, called CPT codes.

Compare with Your Insurance Coverage:

Cross-check the charges against your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB).
Verify that the services are covered and that the charges align with your plan’s benefits.

Contact Your Healthcare Provider’s Billing Department:

If something doesn’t look right, call the billing department to discuss the charges.
Request a review and ask them to resubmit the claim to Medicare or to your insurance plan if there are errors.

Remember, slowing down to verify your medical bills can save you thousands of dollars. Here’s an article from Medicare. This problem occurs with Medicare Supplements, Medicare Advantage Plans, and Part D Drug Plans. Beware!

If you have questions about Medicare or need assistance navigating your coverage, we are here if you need us.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@TheBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Michigan
Minnesota
Missouri
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Discover Strength in Every Step This Winter 🦋!

Hello and may this blog find you in amazing health with your Medicare insurance coverage 🏥 working well.

For Medicare questions or concerns, book a time on my calendar or email Gray, Gray@TheBig65.com if you need us.

Clients all over have been reporting the intense winter weather: snow, freezing temps, and slippery roads.

My little brother Haas in Virginia is proof you don’t have to let winter get in the way of staying healthy, though he did have to break the ice on the water before jumping in.

While Plato stays with our daughter and her pets Kali the cat and Elwood in Colorado, I am reminded that there is a middle ground between ice baths and hibernation.

Walking in winter is a fantastic way to stay active, boost your mood, and improve your overall wellness.

Boost Your Physical Health: Walking improves cardiovascular health, burns calories, and keeps your muscles active even in the cold.

This week, we were hiking in the mountains of Mexico to try to see the monarch butterflies. It was too cold for them to be active but it sure was pretty.

Brighten Your Mood: Natural light during winter walks helps combat seasonal blues and improves mental clarity.

Stay Safe and Warm: Layer up, wear sturdy footwear, and pick clear, safe walking paths to enjoy the season without worries.

Take It Indoors: If it’s too cold outside, consider walking in indoor spaces like malls, community centers, or even around your home.

Just as the monarch butterfly endures its incredible journey to emerge stronger and more vibrant, embrace the challenges of winter as an opportunity for growth and renewal, knowing that brighter days are ahead.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

January sure is dry!

Happy New Year 🎉🥳🎆 …!

May this blog find you in amazing health with your Medicare insurance coverage 🏥 working well.

For Medicare questions or concerns, book a time on my calendar or email Gray, Gray@TheBig65.com if you need us.

I love this picture of Lauren celebrating New Year’s Eve as she has done for the past 30 years, working in Times Square. Well done!

This picture of my brother Haas and Nicole sums up how Q and I normally celebrate the New Year😂😴. We rarely stay up late🌙🦉 either.

This was my view on New Years Eve day, wrapping things up with clients for 2024. If it doesn’t look like Denver, you’re right!

Plato and Elwood we’re not happy we left town, but thanks to our amazing neighbor, these two boys are getting plenty of love till Sus and KC get home.

The two brothers in the picture below were our exchange students in the US when our daughter Sus was in high school.

Santi and Memo drove two hours to Mexico City to have dinner with us and it sure was delightful to see them again.

That beer you see in front of me was the last one I had before “Dry January” began. I miss it already😢🍺.

Dry January, a month-long break from alcohol, is an opportunity to reset and focus on wellness. Whether you’re cutting back or going completely dry, the benefits are impressive. It’s also a great way to show solidarity with anyone you love who struggles with alcohol.

Here’s why taking a break from booze could make January your best month yet.

Physical Benefits:

Improved Sleep: Alcohol disrupts REM sleep, and skipping it helps you wake up more refreshed.
Boosted Energy Levels: Experience higher energy as your body recovers from the effects of alcohol.
Weight Loss: Cutting out empty calories from alcohol can help you shed pounds.

Mental Health Benefits:

Better Mood: Without alcohol’s depressive effects, many people report feeling more positive and emotionally stable.
Improved Focus: Gain mental clarity as your brain operates without the influence of alcohol.
Stress Reduction: Discover healthier ways to cope with stress, like exercise or mindfulness.

Social Benefits:

Stronger Connections: Focus on meaningful interactions without alcohol as a social crutch.
Explore New Activities: Try sober-friendly events, fitness classes, or coffee dates.
Be a Role Model: Inspire others to explore healthier habits by leading the way.

Long-Term Health Benefits:

Liver Recovery: Give your liver a break and reduce the risk of liver disease.
Lower Blood Pressure: Alcohol can raise blood pressure, so abstaining may improve heart health.
Reduced Cancer Risk: Alcohol is linked to certain cancers, and reducing consumption can lower your risk.

Tips for Success:

Set Clear Goals: Decide if you’re going completely dry or just cutting back.
Find Alternatives: Stock up on tasty non-alcoholic drinks or mocktails.
Seek Support: Join a Dry January challenge or share your goals with friends.
Track Your Progress: Use a journal or app to celebrate milestones.

Ready to Take the Challenge? Whether you’re in it for the health, the savings, or the mental clarity, Dry January offers something for everyone. Here’s to a healthier, happier start to the year! Anyone who tries will get honey (when we get home).

We saw this sculpture and quote while walking in Condesa and it says everything:

“If you want to live a happy life, tie it to a goal, not to a person or an object.”
—Albert Einstein

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@TheBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

Get ready, the end is coming!

Hello and may this note find you in amazing health with your Medicare insurance coverage 🏥 not driving you crazy😵‍💫.

No, the Bruns-Kylers are not in Australia, but client Ken is doing a walkabout in the land down under and we couldn’t resist posting his picture of the most relaxed animal on the planet. May this little rascal be your role model for the end of 2024.

Back here in Colorado, we will be working on the 31st. Book a time on my calendar or email Gray, Gray@theBig65.com if you still have questions.

I’m grateful to our daughter Sus for shaming me into buying a good, sturdy ladder. It’s way less expensive than the ER deductible🚑😂⚠️, right?

Now we’re wrapping up the holidays and getting organized for 2025.

This was a very relaxing Xmas. We celebrated early with the kids and spent a lot of time with friends and animals (including Elwood, our daughter’s foster dog). Plato was happy to have a pal!

The start of a new year is a great opportunity to enhance your life in every dimension. Here are simple ways to make 2025 amazing mentally, physically, and spiritually.

Follow Henri’s example and you’re going to have an amazing year.

Practice gratitude daily: Write down three things you’re grateful for each morning.
Learn something new: Engage in a new hobby, language, or skill.
Embrace mindfulness: Spend 10 minutes a day meditating or practicing deep breathing.

Rich’s dog Kali is committed to meditating with his chew toy every day!

Commit to regular exercise: Aim for at least 150 minutes of activity weekly.
Eat whole, nutrient-dense foods: Focus on a balanced diet.
Prioritize sleep: Maintain a consistent schedule and aim for 7-8 hours of rest.

Rocket is committed to good sleeping and Marcel tells me she adds zest to their lives❤️, and walks!

Reflect on your values: Align your actions with what truly matters to you.
Engage in daily reflection: Spend a few moments journaling or in quiet contemplation.
Practice acts of kindness: Help others through volunteer work or small gestures.

Bob says Hobbes can be a true pain in the #!?*@ and he is a very good boy.

Life is unpredictable, but maintaining a flexible mindset and focusing on what you can control will help you navigate challenges with grace.

Here’s to a thriving 2025! Let’s make it a year filled with growth, connection, and joy.

Wishing you a wonderful start to the new year, and safe travels to Ken in Australia!

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@TheBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

The Secret to Happy Holidays!

Greetings and may this blog find you in superb health with your Medicare insurance coverage 🏥 working properly.

Even though the Annual Election Period ended on the 7th, we’re still busy talking with clients all over. Book a time on my calendar or email Gray, Gray@theBig65.com. If you still have questions, I’ll be working till the 31st🎉.

Plato has been busy too… hounding neighbors like Vickie for treats😂 when we go walking.

We ran into John and Debbie on the trails and it was fun catching up.

Mookie always barks like a maniac when you walk by his yard. But if you stop and say hello, he is the sweetest dog on the planet.

Socializing, even casually, can boost serotonin, the “feel-good” chemical, and oxytocin, the “bonding hormone.” These chemicals help reduce stress and promote feelings of happiness and trust.

I make it a point to always say “hello” to strangers and it makes me feel like I’m walking tall😊.

Engaging in friendly chats can decrease cortisol, the stress hormone. Less stress means a healthier heart, better sleep, and a stronger immune system.

Quantz has joined a flower arranging class and I know she looks forward to it.

Being part of a community—even in a small way—helps combat loneliness. This sense of connection is vital for mental and emotional well-being, especially as we age.

Casual conversations stimulate your brain, keeping you mentally sharp and engaged. When Quantz couldn’t go to her flower class this week, since it was paid for, I went in her place and actually had fun trying something new.

Here are the simple steps to building low stakes friendships:

Be Open to Conversations: Make eye contact, smile, and engage in small talk during daily activities.
Frequent the Same Places: Visit the same coffee shop, park, or community center to create familiarity.
Practice Kindness: Compliments or simple acts of kindness can start a connection.
Join Local Activities: Consider joining clubs, walking groups, or community events to meet new people.

These brief, positive interactions don’t just benefit you; they brighten the day of the other person as well. A kind word or shared laugh can ripple outward, creating a chain of good feelings in your community.

As we navigate the holiday season, low-stakes friendships remind us that a connection doesn’t always have to be deep to be meaningful. I challenge you to reach out and make a connection with someone new this week. Report your connection and we’ll send you honey🐝. Q is still filling bottles.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

Let’s keep moving people🚶‍♂️👨‍🦼🏃‍♀️!

Greetings and may this blog find you in amazing health with your Medicare insurance coverage 🏥 working properly and the holidays 🎅🕎🕯️coming round the corner fast!

Thank goodness the Annual Election Period ended last Saturday🎉 . It was a pleasure catching up with so many people all over the country.

If you have a Medicare supplement plan, we can shop premiums any month of the year (if you are in good health🥗🍎💪🌿✨).
If you have a Medicare Advantage Plan, there is an Open Election Period from January 1st till March 31st where you are still able to make one change.

Book a time on my calendar or email Gray, Gray@theBig65.com for after the 1st. Plato is happy for the extra attention and his own Advent calendar!

Here’s how I felt after the Election Period ended 😊😌, happy and grateful for so many amazing clients.

Norman just turned 92, the dad of one my college friends I follow on Facebook. This guy is still active and engaged. I’m guessing the reason why is he never stops moving.

Regular movement is one of the most powerful ways to enhance your health and extend your life. Here’s why:

Exercise strengthens your heart, improves circulation, and lowers blood pressure, reducing the risk of heart disease.

Mary in Tennessee belongs to group of Contra Dancers, a style of folk dancing that builds and is fun.

Regular movement helps prevent conditions like diabetes, obesity, and arthritis.

It doesn’t have to be fancy. My father-in-law, Tom, walks every morning. Our Airman Nicholas visited his grandfather before he returned overseas and reported “Pops” to be in great health.

Physical activity promotes neurogenesis (growth of new brain cells) and reduces the risk of cognitive decline. My buddy Steve just returned from climbing glaciers in Ecuador. That’s a bit more than I’m willing to do but the point is clear:

Keep trying new things. Keep challenging yourself.

Exercise stimulates the release of endorphins, improving mood and combating stress or depression. After the Election Period ended, Plato and I spent an afternoon in the mountains exploring. It was just great to be outside!

Studies show that people who are regularly active live longer and healthier lives. Make movement a habit—whether it’s walking, yoga, working in the yard, or just climbing steps, every step counts toward a healthier, longer life!

Of course there’s nothing wrong with relaxation either. Here’s to quality time with the ones you love!

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

How will you be remembered🪦?

Greetings and may this note find you in great health with your Medicare insurance coverage 🏥 working properly.

Saturday, December 7 is the final day of the Annual Election Period! Gray and I are working on Saturday.

Call 877-850-0211 if you still need to speak about Part D drug plans💊.

If you have a Medicare supplement plan, we can shop premiums any month of the year (if you are in good health🥗🍎💪🌿✨).
If you have a Medicare Advantage Plan, there is an Open Election Period from January 1st till March 31st where you are still able to make one change.

The winter weather continues in Colorado and we sure have been enjoying the precious time with family before our Airman Nicholas heads back overseas. Where does the time go?

Last weekend, we celebrated a Thanksgiving Christmas combo, turkey and Santa Claus. It was so much fun to pull out the old ornaments, this one from my great great grandparents, 1853. The bottom line translates as “remember us from the grave,” wow!

Holidays are when we hope to strengthen family bonds and build lasting memories. But, it’s easy to feel overwhelmed. Here are a few ideas to help you stay happy, healthy, and grounded through the end of the year.

Stay Active: Enjoy family walks, gentle yoga, or even a snowball fight! Movement helps manage stress and keeps energy levels high.
Eat Smart: Indulge in holiday treats but aim for balance. Include plenty of fruits, vegetables, and lean proteins in your meals.
Rest Well: Prioritize sleep to recharge your body and mind for all the festivities.
Be Present: Put down the phone and focus on real conversations. Ask family members about their favorite memories or future plans.
Practice Gratitude: Share what you’re thankful for—this small act can boost everyone’s mood.
Create New Traditions: Whether it’s baking cookies, watching a classic movie, or volunteering together, building memories is what the holidays are about.
Set Boundaries: It’s okay to say no to events or requests that feel overwhelming.
Plan Ahead: Organize holiday tasks early to avoid last-minute chaos.
Breathe: Take a moment to relax with deep breathing or a short meditation if things feel hectic.
Volunteer: Help out at a local shelter, or support a charity close to your heart. Quantz has been delivering Meals on Wheels and really enjoying it.
Check on Neighbors: Reach out to elderly neighbors or those who may be spending the holidays alone.

We’re going to blink and the holidays (and our lives) will be over. Just like my great great grandparents ask to be remembered from the grave – how will you be remembered?

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@TheBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

Watch out for Medicare red tape⚠️❗

Greetings! I hope you had an amazing Thanksgiving, with remarkable health 💪, plenty of stuffing, and your Medicare insurance coverage 🏥 working properly.

This is the LAST Week of the Annual Election Period! It ends on December 7th.

If you still need help, email Gray@TheBig65.com and he’ll get you on my calendar. We still have space for existing clients.

There’s plenty of snow falling in the Rockies and for this we are grateful. Nicholas was happy to get a day in the mountains. He’ll be heading overseas soon for his next Air Force assignment. We sure are gonna miss him.

After skiing Sunday morning in Winter Park, we bought a pass for $20 to harvest a Christmas tree in the National Forest. Plato was happy for the adventure.

You get a piece of red tape that must be attached to the base of the tree. If the rangers don’t see that when you’re driving out, you could be in trouble.

Navigating Medicare has a lot of red tape: if you don’t follow the rules, you could face trouble, too. Here are some of the things I recommend doing:

Never pay a medical bill until you are certain it is correct. According to Nerdwallet, billing errors and “inaccurate claims (are) at nearly 50 percent.” I don’t know if this number is true, but even if it is much lower, it points to the importance of checking every bill with the carrier or the provider before paying.

If you are in a Medicare Advantage plan and your doctor recommends lab work, an MRI, or a medical procedure, different locations may have different costs for the service provided.

Check in with member services to make certain what you need is being provided in the most cost effective way. Services received in your primary’s office are often the most cost effective.

If you are taking multiple medications for chronic conditions (cholesterol, hypertension, diabetes, etc), request an annual MTM, a Medication Therapy Management session to make sure there are no adverse interactions occurring.

Doctors are often too busy to review your medications unless you speak up. Carry a list of all your medications to the appointment or request a review with your pharmacist or your Part D drug provider.

Even in the winter, Plato wants you to bee 🐝 careful😂!

Thanks to Elizabeth for the Google review. If you’d like some honey, feel free to leave us a review on Google or Facebook.

And finally, our daughter Susanna is fostering Elwood, an 8-year-old Rottweiler looking for a new home.

He is calm and takes his time getting used to new people and surroundings. Elwood does well with other dogs and would be happy in an adult-only household. He is a loving companion who enjoys a peaceful environment, but will jump with joy if you offer to take him on a walk. If you want a gentle, goofy and loyal friend, Elwood would love to meet you!

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

You ready for winter🥶?

Greetings and may this blog find you in remarkable health 💪 with your Medicare insurance coverage 🏥 working properly.

If you still need help, email Gray@TheBig65.com and he’ll get you on my calendar. We still have space for existing clients, but time is running out.

Thanksgiving season is upon us and since our Air Force son Nicholas really wanted to see his cousins before he redeploys in two weeks…

So the Bruns-Kylers took a quick trip to Virginia (plus it was cheaper to go before Thanksgiving 😂🦃🍁.)

It had been almost 10 ten years since we’d gotten this side of the family together and it sure was fun to connect and see how everyone is growing up.

Family get-togethers should be a time for joy, connection, and gratitude.

Yet, for many families, holidays bring tension and drama. With a bit of planning and mindfulness, you can make family gatherings more harmonious and enjoyable for everyone.

Here are some practical tips to create a peaceful holiday atmosphere:

Acknowledge differences: Every family has its quirks and unique dynamics. Accept that perfection is unrealistic and aim to enjoy the gathering for what it is.

Focus on gratitude: Remind yourself of the blessings in your life and approach the gathering with a positive mindset.

Know your triggers: If certain topics or individuals tend to cause tension, plan how you’ll handle these situations calmly.

Delegate responsibilities: Share the workload to reduce stress. Assign tasks like cooking, setting the table, or cleaning to different family members.

Set boundaries: If the gathering is at your home, communicate clear expectations about timing, house rules, and contributions.

Organize group activities: Games, puzzles, or watching holiday movies can keep everyone focused on fun rather than feuds.

Celebrate traditions: Cooking a special recipe, sharing family stories, or taking a group photo can foster a sense of connection and joy.

Have a backup plan: If things become tense, suggest a change of scenery, such as going outside or starting a new activity.

Steer clear of divisive discussions: Politics, religion, and controversial family matters can quickly escalate. Change the subject if things get heated.

Practice active listening: Acknowledging others’ opinions without argument can help diffuse tension.

Use humor: Light-hearted jokes can shift the mood and help everyone relax.

Know your limits: If you feel overwhelmed, it’s okay to step away or even leave early if necessary.

Be kind to yourself: Don’t take family drama personally. Often, it’s not about you but about underlying dynamics.

Remember, the holidays are about togetherness, not perfection. By focusing on the positives, setting healthy boundaries, and staying calm, you can create a warm and memorable family gathering. Wishing you a drama-free and joyful holiday season!

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including:

Here’s what’s different for next year🤔!

Greetings and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working properly. Are you avoiding all call center noise☠️⚠️?

Plato says 32 inches of snow is even better than the previous 12 and he wants more.

For more Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

I’m pleased to report our Air Force son is home for a few weeks before he redeploys to Italy. Plato is happy to have him around.

Quantz is happy to have her boy home as well. Of course, she’s spoiling him and they are having as much fun as possible. They even took an Italian cooking class.

Me, I’m keeping my cool and trying hard to keep my head above water during this busy season.

Here are a few of the changes coming into play for 2025:

The annual deductible for Part B will rise to $257, up from $240 in 2024.
The standard monthly premium for Medicare Part B will be $185. If you’re receiving Social Security benefits, this amount will be automatically deducted from your monthly payment.
Starting in 2025, there will be an annual $2,000 cap on out-of-pocket spending for prescription drugs under Part D. Once beneficiaries reach this limit, they won’t have to pay additional costs for covered medications for the remainder of the year.

At least that’s something to celebrate, right Jean?

It’ll be interesting to see how the new administration deals with Medicare and Social Security, but no news yet.

As we get to the holidays, I hope you’re taking time out to enjoy time with your family. They sure grow up fast.

Keep squeezing the juice out of life and look for ways to help others!

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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 thirty states around the country, including: