Two out of three is bad!

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

Are you about to hit the donut hole with your medication costs? Before you do, click on this link to send an email to Cori at The Canadian Medstore in Florida. Add your prescription name, dosage, and how many you take daily and they may be able to help. No guarantees, but it’s always worth shopping.

Remember, if you have a Medicare question, email If there’s a big problem with your coverage or you want to shop your premiums, please book a time on my calendar and we’ll do our best to get it sorted, promise.

Plato in the snow in Colorado.

Last Saturday gifted us with four inches of snow, not what you normally expect in late April. Life’s like that, right? Surprises are the norm.

Fortunately, Plato is a very flexible beast and it didn’t bother him a bit. He let me know that snow is a good thing, just to watch out for the yellow spots.

Plato playing in the snow in Colorado.

Colorado has three hundred plus days of sun each year so the snow disappeared fast. We ran into a gaggle of doodles, the perfect illustration for today’s message on:

Preparing for the unexpected.

Plato and his friends playing in Colorado.

If you’re over 65, the odds of needing Long Term Care are over 70%. That means two of every three of us may need care at home, in assisted living, or in a nursing home.

And before you say, “It’ll never happen to me,” 40% of all claims happen to people well under 70 and they are caused by accidents:

• Slipping
• Tripping
• Falling
• Car Wrecks

Just like a surprise snow, we never know what can happen.

Plato sniffing his friend at the park.

On average, women need long-term care for about 3.7 years, while men typically need care for about 2.2 years (A Place for Mom).

The costs can be steep, with a private nursing home room averaging over $108,000 a year. In 2023, long-term care insurers paid out a hefty $14.1 billion in benefits, showing just how critical these policies are for many families.

Cute dog on the back of a bike.

To avoid depleting your savings due to long-term care costs, book a time on my calendar to see what options are available.

Long Term Care Insurance is not appropriate for everyone, but for some it can make a world of difference and you can ask about the newest alternative care plans that may be just the thing for you. Remember, Samson (above) doesn’t want to be an orphan.

Plato looking up at an envelope held by a hand.

Sadly, I just shipped out the last of the The Big 65 honey. Mike & Lynne promised to share it with all their friends in North Carolina. If you are near Boone, keep an eye out for Mike, he’s a big dude! Also, keep your fingers crossed our bees do well again this year.

Two pickleball players ready to hit the pickleball!

Congrats to Tina in Tucson for overcoming a broken wrist back in January and returning to competitive pickleball. Repeat after me everyone:

“Gettin’ old ain’t for sissies!”

And finally, Happy Birthday to client/neighbor Becky. Her husband Joe continues to be a very lucky man.

Becky about to blow out her birthday candles.

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,

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:

New Hampshire
New Jersey
New York
North Carolina
South Carolina

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 or 1-800-MEDICARE to get information on all of your options.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

Can you see the Medicare Stars?

Hello, this is Karl Bruns-Kyler with the Big 65 Medicare Insurance Services and I hope you’re having a great week.

My wife Quantz and I are currently in Vienna and it is one of the most beautiful cities in Europe.

Today I want to talk about the importance of medical ratings for providers.

Whether you are receiving home health care, or you have a family member in a long-term care facility, or you would simply like to know the ratings of the hospital where you are going to receive an outpatient procedure, you have options.

I am attaching a link to the website where you can find the ratings for hospitals, home healthcare providers, long-term care facilities and medical service providers.

If the ratings for a provider is lower than 3 or 3.5 stars, you may want to consider other providers.

Ratings can change monthly so do your homework. Here is the link:

Find and Compare Nursing Homes, Hospitals and Other Providers Near You

The Annual Election Period begins in October.

If your medication’s have changed, if your doctors have changed, or if you’re hearing a lot about new plans and you’re just curious, book a time on my calendar pull out and I’ll be happy to review your options.

Book a time on my calendar here and we’ll talk soon.