medicare advantage plans Archives

🧠💪 Live Longer Without Spending a Dime

Greetings and may this blog find you in stellar health😄, with your Medicare insurance coverage🏥working well.

Spring has finally sprung 🌸 all over our great nation. Are you getting outside?

Sunlight☀️ equals Vitamin D🧴… good for the brain, good for the bones, great for the soul🧿. Most important, it’s free!

If you’re feeling blue or have problems with your Medicare coverage (and the carrier isn’t helping), email Gray, Gray@TheBig65.com or book a time on my calendar.

Q met this 200 pound beast in Heraklion 🧔‍♂️🐾 (where Hercules was born), on the island of Crete. Don’t worry, she didn’t adopt a new doggy, yet… our doodle Plato is safe, for now🤞.

Maybe it’s just me, but it seems like every day, I’m bombarded with expensive miracle cures that promise I’ll live to be a thousand if I just give them my credit card.

It’s refreshing to discover that some of the most effective longevity strategies are both simple and free.

Experts and people who live past 100 show that simple, everyday habits—not expensive miracle cures—can help you live a longer, healthier life. I’m guessing Jean does a bunch of these, how about you?

🧭 Find a reason to get up each morning

Whether it’s grandkids, gardening, or helping a neighbor—having a purpose gives you direction, energy, and a reason to smile. It’s like fuel for the soul.

Living a life of service is the foundational cornerstone of my life. When our kids were young, we hosted ten different international exchange students (only one at a time) to live in our home for a year.

Hosting often created extra work but it made our lives (and the lives of our children) better. Now those kids are grown up and we get to visit them all over the world.

Last weekend, I finally got to visit the Pleister family in Germany. It was so much fun to finally meet the parents of Lena and Chris.

🧠 Challenge your brain

Just like your muscles, your brain loves a good workout. Try a puzzle, read a book, learn a new skill—even switching up your routine helps. Little mental stretches every day can keep your mind strong and your memory sharp.

Chris and Lena’s father, Hans, runs a maritime simulator for the University in Bremen.

After brief instruction, I attempted to navigate a 220 meter container ship out of the Elbe river into the North Sea. It was a fascinating experience, but I was unable to avoid being rammed by the ship in the distance🚢🌊😬.

The good news? No maritime job for me. I will continue to be your Medicare broker for a long, long time!

🥗Eat Real Food

Forget the trendy diets and miracle shakes. Stick with the good stuff: colorful veggies, juicy fruits, wholesome beans, and fresh fish. Your body runs best on real, nourishing fuel.

And just like my dad said: Everything in moderation, even moderation🍻😂.

While visiting the Pleisters, we ate a number of delicious vegetarian meals, but that didn’t stop me from having the occasional beer (especially after I sunk the container ship.)

🚶‍♂️Keep moving

You don’t need fancy equipment or a gym membership. Just move! Walk the dog, stretch toward the sky, or dance while making dinner—anything that gets your body going and your joints smiling.

We had some epic ping pong matches with the entire family. Man was my arm sore the next day, but it sure was fun!

🤝 Stay social

Friendship is powerful medicine. Call an old friend, wave to your neighbor, say yes to that lunch invite. A little laughter and connection can do wonders for your heart, your mood, and your memory.

Over the weekend we did a city tour of Hamburg. Our guide pointed out the clubs where the Beatles got their start and also the barber shop where they got their famous haircuts. Chris and Anja played a wicked air guitar🎸.

As I said goodbye to the Pleisters after a wonderful visit, I was reminded that living well doesn’t require deep pockets—just deep connections.

We didn’t need luxury or lavish plans to create memories, just good conversation, shared meals, and time together.

The article this week echoes that truth: longevity isn’t about miracle cures—it’s about purpose, movement, healthy food, and meaningful relationships. And sometimes, the best medicine is simply being with people who make you laugh. ❤️

Now I have to go find Quantz to make sure she doesn’t come home with a new 200 pound dog!

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
Montana
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.

Want to stay sharp for years to come🧠?

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

The Open Election Period has ended, but if you want to review your Med Supp premiums to see if we can lower them💸…

Email Gray, Gray@TheBig65.com or book a time on my calendar. Med Supp plans can be changed any month of the year… if you are in good health.

Speaking of good health, my little brother Haas was all smiles last Saturday after catching (and releasing) this largemouth baas🎣. Don’t they make quite the pair😀!

Joy is an infectious emotion, in a good way. Plato was super excited when one of our former exchange students showed up from Mexico with his cousin Rafa and his best friend Jose.

It’s always a breath of fresh air to have young’uns in the house. Plus, new interactions sharpen the brain.

Their visit ties in to a great article in The New York Times about brain health.

Now you don’t have to be like Dottie and Eric in Doglick, SC, and adopt the entire litter of miniature poodles to have great brain fitness, but it certainly is an option.

Staying mentally sharp isn’t about doing anything extreme—it’s about small, consistent habits that support your brain over time.

Stay Physically Active:

Regular exercise increases blood flow to the brain, supporting the growth of new neural connections. Even moderate activities like walking or gardening can make a difference.

You may remember Q has been exploring Greece. She’s been getting in her steps exploring the ancient monasteries.

Engage Your Mind:

Challenging your brain with puzzles, reading, or learning new skills helps build cognitive reserve, potentially delaying the onset of memory-related issues.

Plato suggests signing up for any type of continuing education class… especially any class that teaches you how to make better dog treats!

Prioritize Social Connections:

Maintaining relationships and engaging in social activities can reduce stress and promote brain health. Consider joining clubs, volunteering, or simply spending time with loved ones.

My older brother Robert’s great joy in life comes from spending time with his granddaughter, but he also includes weightlifting, pickleball and book clubs in his schedule.

How can you build more daily low stakes interactions into your life?

Eat a Balanced Diet:

Consuming a variety of nutrient-rich foods supports brain health. Diets like the Mediterranean diet, rich in fruits, vegetables, and healthy fats, have been linked to better cognitive function.

According to a study from the University of Massachusetts, a baking soda solution is more effective than vinegar or plain water at removing pesticide residues from fruits and vegetables. We’ve gotten in the habit of soaking our vegetables with baking soda as soon we bring them home.

Get Quality Sleep:

Adequate rest is essential for memory consolidation and overall cognitive function. Aim for 7-9 hours of sleep per night. If your mind is racing, try this technique call “the cognitive shuffle.” It works amazingly well!

Implementing these simple strategies can have a profound impact on your cognitive well-being. It’s never too late to start!

Most importantly surround yourself with people and animals you love. Man’s best friend, right Dave?

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:

Think This😃, Not That😫—Make 2025 Your Best Year Yet🫠!

Greetings and may March Madness 🏀 find you in wonderful health with your Medicare insurance🏥working properly😄.

Remember, anytime you see an ad on TV 📺 (or receive an illegal telemarketing call📞) promising a $900 food allowance for Medicare, beware⚠️…

That benefit is ONLY for people on Medicaid with super low incomes.

If your Medicare coverage ISN’T working, or you’d like to shop your coverage, email Gray, Gray@TheBig65.com or book a time on my calendar. We’re here to help you avoid the swamp monsters🐊☣️.

Remember the opening from the Charles Dicken’s book, A Tale of Two Cities?

“It was the best of times, it was the worst of times…”

That’s how I felt when Plato and I stumbled upon a herd of one hundred plus Elk 🦌in the park near our house😱.

Fortunately, Plato came running back to me and he didn’t end up getting in big trouble chasing the wildlife🐾😌🙏.

That moment reminded me how much life is shaped by how we choose to respond.

And that’s exactly the idea behind Dr. Josh Axe’s book, Think This, Not That. It’s all about flipping the script—recognizing we can shift our mindset anytime, even when life throws unexpected surprises at us.

As the world continues to spin out of control, this couldn’t be more important. Whether it’s facing health changes, making Medicare decisions, or simply navigating life’s ups and downs, adopting the right mindset can turn “the worst of times” into “the best of times.”

Like when KC decided to try snowboarding…but we took him down the expert side of the mountain😩🙈 (poor guy, he looked like Sasquatch in the snow).

Here are 4 powerful mind shifts from the book that apply to all of us:

1. Think Abundance, Not Scarcity

Too often, we think, “I’m too old to try that” or “It’s too late to change.”

Flip it: There’s still so much time to grow, explore, and live fully.

Try This: Pick one new experience this month—whether it’s a hobby, class, or trip you’ve been putting off. New challenges keep you sharp!

Though we definitely started KC on the wrong side of the mountain🏔️, by the end of the trip, he had learned enough to enjoy the process🏆.

2. Think Confidence, Not Fear

It’s natural to feel uneasy when it comes to health changes, life’s curveballs, or Medicare Choices. But fear keeps us stuck.

Flip it: Replace fear with confidence—remind yourself, “I’ve handled challenges before. I can handle this, too.”

Try This: Take one step toward clarity today—whether it’s scheduling your preventive screenings, facing a challenge, or booking a quick Medicare review with me. Being informed is the fastest path to feeling in control.

Fun fact: After skiing, the left side of the table was drinking wine…for medicinal purposes 🤣 (and sore bodies)🍷!

3. Think Focus🧘, Not Overwhelm

Don’t let everything pile up in your mind.

Flip it: Focus on one small step at a time.

Try This: Set a single wellness goal this week—like a 10-minute walk each day or preparing one healthy meal at home🥗.

Plato told me he felt much more confident about chasing the wild turkeys instead of the Elk, but I kept him on the leash just the same.

4. Think Possibility, Not Limitation

Forget “It’s too late” or “I’m stuck.”

Flip it: Ask yourself, “What’s next for me?”

Try This: Write down a few things you’ve always wanted to do—big or small—and take one step toward making it happen.

My wife Q spent 30 years chained to a corporate desk. When the pandemic hit, and work was miserable, Quantz quit her job and said “we need to change everything.” I still work as much as I ever did, but now, I work virtually. Q has reinvented herself as a traveler and that includes medical missions, like the one she is on in Kenya. Happy wife, happy life!

At the end of the day, it’s all about choosing possibility over limitation. Life’s too short to let fear or doubt hold you back.

Keep asking yourself, “What’s next?”—and take that next step.

Be like my big brother Robert. Despite severing his spinal cord in a bike accident five years ago, he rose from the ashes.

Despite many daily challenges, Robert still practices medicine, plays pickleball, mentors young medical students, and makes the world a better place. He’s the first one to tell you, gettin’ old ain’t for sissies! I am so proud of my brother!

Don’t leave your best song unsung. Your story’s still being written—make it one worth telling.

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:

Got Teeth🦷? Let’s Talk Medicare & Dental😬!

Greetings! May this blog post find you in excellent health with your Medicare coverage 🏥working properly😄.

If your Medicare coverage ISN’T working, email Gray, Gray@TheBig65.com or book a time on my calendar.

March is the last month you can make changes to Medicare Advantage plans for 2025.

Quantz is making lots of new friends in Eldoret, a city in the Rift Valley in the highlands of Kenya.

Q joined our dear friend Cary LaCouture and his dental team on this dental service trip as a volunteer and it has been an incredible experience.

Over the past week, Cary and his team have treated hundreds and hundreds of patients. Don’t worry, Quantz hasn’t been pulling teeth. She’s filling in (pun intended) wherever she is needed.

While we have many issues with our healthcare system in the US, spending time overseas puts things in perspective. It’s a reminder of how fortunate we are.

That being said, original Medicare provides very little dental coverage and it is important to understand how to navigate your dental options.

If you have a Medicare Advantage plan, check your summary of benefits. Many plans offer basic dental (Cleanings, X-rays, and perhaps some dollars for other services).

Always be sure to make certain the dentist is accepting the plan you have! Otherwise, you might get stuck with a heavy financial burden, right Q?

Medicare Supplement plans do not include dental benefits. Many consumers choose to purchase stand-alone dental insurance. These plans can be added at any time of the year.

Another option is to ask your dentist if they have a “friends and family plan.” Often, dentists will offer their own coverage for a few hundred dollars annually.

These plans will often include cleanings, annual check-ups, and X-rays, plus discounted costs on major work.

For the adventurous of heart, many Americans are now trying dental tourism, visiting countries like Mexico, Costa Rica and Thailand. With the proper research, consumers can find US trained dentists in other countries capable of doing excellent work for much lower costs. As with everything, make sure to do your research.

And always remember the excellent advice of my friend Cary:

A young dentist is a student loan in search of a problem in your mouth. For major work, always consider getting a second opinion.

Plato agrees with Cary and he is happy I am still at home. If you have questions about Dental or Medicare coverage, please reach out.

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:

Forget diet and exercise—this matters even more🛟!

Howdy and may this blog post find you in amazing health with your Medicare insurance 🏥working properly😄.

Any issues🤔with coverage?

If you’ve already called the carrier and there is no resolution, email Gray, Gray@TheBig65.com or book a time on my calendar. We’ll do our best.

We received a ton of greet feedback on scams that clients are experiencing.

Barb S had great advice:

“I find it best to NOT respond to anything that comes up on my phone📞. Instead, I wait until I’m on my laptop where I can better investigate the issue. If it’s an email, make sure the sender is valid. Most of the times, it isn’t.”

Well-said Barb! Keep an eye out for some honey in the mail🐝📧🍯! I give thanks for the wisdom of the tribe.

Speaking of wisdom, I heard a great Ted Talk on the secret to living longer.

Don’t worry, it doesn’t include becoming a professional dog walker🐾😃!

Genetics accounts for 25% of longevity. The remaining 75% is lifestyle.

Lifestyle includes choices, like NOT bringing your cat to the dog park, right🙄! It’s way too easy to make fun of Millennials. Fortunately, this cat made it down and home safely.

We know obesity (20%), smoking (40%), and diabetes (25%) are risk factors for an early death, but research shows that something else may be even more dangerous😧.

Social Isolation increases our risk of death by 50%! Isn’t that crazy?

Loneliness weakens the immune system, raises stress, increases heart disease, and speeds up cognitive decline. Health experts are finally sending out the alarm that we need to turn the tide and add more social connection to our lives.

Wanna know how to stay in the game🤨?

The cure is surprisingly simple: regular face to face interactions.

Saying hello to others, petting dogs, and doing good deeds release neurotransmitters which strengthen the immune system, reduce stress, and promote overall well-being.

Daily personal connections also keep you away from Mictlantecuhtli, the Aztec god of death and the underworld. You do NOT want to hang out with this dude!

Joy and connection can come from daily low stakes interactions. By getting out of the house, we can connect with others and it often inspires curiosity.

Plus you get to buy churros!

Here are some ideas! 😊

Wave or nod to neighbors.
Make small talk in line at the store.
Compliment strangers. You’ll make their day!
Strike up a dog talk.
Join a class or club.
Offer a helping hand.
Make a quick call.
Say hi to your mail carrier or delivery driver.
Go to a local café and chat with regulars.
Attend a community event and introduce yourself.
Ask for a recommendation.
Start with a light joke.

Let us know one thing you tried this week and we’ll send you honey! Plato loves to stay connected!

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

Watch out for these Phone Scams📵🤑😱!

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

Remember to email Gray, Gray@TheBig65.com or book a time on my calendar if you are having issues with your Medicare coverage or you get a weird call from a scammer!

Speaking of the devil, my wife Quantz got this text on her phone! It was totally bogus but it sure looked legit!

As we get older, we become prime targets for scammers who use clever tricks to steal money, personal information, and peace of mind.

Here are some of the most common scams we are hearing about and how to avoid them. Are you ready to learn?

And don’t worry about clients Becky and Joe traveling in South America… they did not try to buy the Iguazu Waterfalls, nor have they fallen for any scams!

Medicare Scams:

Scammers call pretending to be Medicare representatives, claiming they need to “verify” or “update” your information to keep your benefits active. They may request your Medicare number or Social Security number.

How to Protect Yourself:

Medicare will never call you unexpectedly or ask for your personal details over the phone. If in doubt, hang up and call Medicare directly at 1-800-MEDICARE.Looks like Joe is learning how to blend in with the locals!

Medical Equipment Scams:

Fraudsters offer “free” medical devices, such as back braces or wheelchairs, in exchange for your Medicare number. They then bill Medicare for services you never received.

How to Protect Yourself:

If you didn’t request medical equipment, it’s likely a scam. Speak to your doctor before accepting any medical device offers.

Don’t be a sitting duck! Always hang up and verify independently!

Medicare Renewal Scam:

Scammers claim that your Medicare card is expiring and you must provide personal information to receive a new one.

How to Protect Yourself:

Medicare cards do not expire. If you need a replacement, or your Medicare number was stolen, request one through the official Medicare website or by calling 1-800-MEDICARE.

Sometimes you just have to wake up and smell the flowers!

Social Security Scams:

Fraudsters claim to be from the Social Security Administration (SSA), stating that your benefits will be suspended due to suspicious activity.

How to Protect Yourself:

The SSA will never threaten to suspend benefits over the phone or demand payment via gift cards or wire transfers.

IRS and Tax Scams:

Scammers pose as IRS agents, threatening lawsuits or arrests unless you pay a fake tax bill.

How to Protect Yourself:

The IRS does not call to demand immediate payment or ask for financial information over the phone. If someone calls and demands payment, hang up and wait for an official IRS letter in the mail.

The Grandparent Scam:

Scammers call pretending to be a grandchild in distress, asking for money to get out of trouble.

How to Protect Yourself:

Always verify the caller’s identity by asking personal questions only your real grandchild would know. Take a deep breath, and call your kids. If your grandkids are in trouble, they will know!

Bonus tip:

Just because you can eat street tacos doesn’t mean you should! Montezuma had his revenge😂.

Tech Support Scam:

A screen pop-up or phone call warns that your computer is infected and urges you to call “tech support” to fix it.

How to Protect Yourself:

Microsoft, Apple, or other tech companies will never call you about a virus on your computer. If you get a pop up on your screen, close the browser, turn off your phone or computer, and restart the device. If the warning persists, call Apple/Android customer service or check in with a reputable local repair center.

You can also do what my buddy Mario does: he laughs at everything and gets lots of exercise.

Final Tips for Staying Safe:

Never give personal information over the phone unless you initiated the call.
Don’t trust caller ID—scammers can spoof numbers to appear legitimate.
Monitor your financial accounts regularly for unauthorized transactions.
Report scams to the proper authorities, such as the Federal Trade Commission (FTC) at reportfraud.ftc.gov.

By staying vigilant and informed, you can protect yourself and your loved ones from falling victim to these scams. Plato is counting on you to be careful!

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:

It’s NOT just about quantity👨‍🏫!

Greetings! We sure hope this blog post finds you in amazing health with your Medicare insurance coverage 🏥 working properly😄.

Email Gray, Gray@TheBig65.com or book a time on my calendar if you are having issues with your Medicare plans or you’d like to shop your coverage.

I’ve said it before and I’ll say it again: Gettin’ old ain’t for sissies👴😖😂!

After more than 20 years as a Medicare Insurance Broker, my perspective on aging has changed.

It’s not just about quantity…

It’s more about quality. Of course we all want to live a long life, but what’s the point if the years aren’t filled with joy, purpose, and good health?

Instead of just counting the years, let’s focus on making each year count.

Prioritize Connection:

Spend time with family and friends.
Join community groups or clubs that align with your interests.
Reach out to old friends or make new ones.

We just reconnected with two of our former exchange students and their family in Puebla, Mexico. It was so delightful to catch up on their adventures. These two boys are growing up!

Move Daily:

Incorporate enjoyable activities like walking, swimming, or gardening.
Try yoga or stretching to keep your body flexible and strong.
Even light exercise can boost your mood and energy.

One of the reasons we enjoy travel is that everyday, we get in a lot of steps. Quantz got to practice her vertical leap just after this picture was taken when she realized this crocodile on the table was still alive!

Nourish Your Body:

Focus on whole foods: fruits, vegetables, lean proteins, and healthy fats.
Stay hydrated and limit processed foods and sugars.
Enjoy occasional treats—balance is key!

I’m happy to report Dry January ended on February 1st. When you visit your local Mexican restaurant, ask them if they serve Micheladas, beer, clamato juice, Worcestershire, and other ingredients. It’s delicious.

As my Dad used to say, “Everything in moderation, even moderation😂.”

Find Your Purpose:

Volunteer or mentor others—sharing your wisdom can be fulfilling.
Take up hobbies that bring you joy and a sense of accomplishment.
Set small, achievable goals that give you something to look forward to.

My purpose is to help as many people as I can with their Medicare coverage and to see as much of the world as we can while we are still healthy enough to enjoy it.

You NEVER know when that will change, right? Make the most of each day.

Our Air Force son is now based in Sicily and he’s started skiing again. That smoking volcano behind him is Mount Aetna. Let’s hope it doesn’t blow😳😨!

Remember, it’s not just about adding years to your life, but life to your years. Let’s make every moment count❤️!

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:

🚨Stay One Step Ahead: The Simple Checkup Could Save Your Life🛟!

Greetings!

We sure hope this blog post finds you in great spirits with your Medicare insurance coverage 🏥 working well😄.

This week, three different clients were ALMOST DUPED😱 by shady, illegal🚫 call centers📞. Beware! If anyone promises you the moon🌙…

Email Gray, Gray@TheBig65.com or book a time on my calendar. Let us know what you’re thinking, we’ll review the plans and help you avoid making an irreversible mistake😌.

Q and I have been exploring the Mayan ruins in southern Mexico and it sure has been an adventure. This area has been on our bucket list forever and we feel so grateful to be healthy enough to be able to still have these adventures.

As we age, our health becomes even more important for the quality of our lives. We are always only one step away from disaster🚨⚠️👀 so… staying proactive is key.

The simplest yet most effective ways to stay ahead of potential health issues is by making the most of your Medicare Annual Wellness Visit.

This free appointment helps catch small problems before they turn into major concerns, ensuring you stay strong, independent, and active. Don’t skip it even if you feel good!

Here’s how to prepare for your next visit:

Review Your Medical History – Note any past illnesses, surgeries, and hospitalizations.

Gather all your medications and bring them to the appointment to confirm you still need to be taking them. Many doctors won’t remove unnecessary meds unless prodded.

Check Your Vaccinations – Ensure you’re up to date on flu shots, pneumonia, shingles, and other vaccinations. Remember, if you snooze, you lose🤣!

Prepare Health Concerns – Write down any symptoms, pain, or issues you’ve noticed.

Know Your Family History – Update any changes in your family’s medical history.

Assess Your Lifestyle – Be ready to discuss diet, exercise, sleep, and mental health.

Don’t go alone! Bring a family member and record the appointment (with permission) so that you can review everything later. (By the way, that’s Guatemala on the left and Mexico on the right!)

During the Visit:

Blood Pressure & Vitals Check – Ensure everything is within a healthy range.

Cognitive Screening – Expect a short memory test to check for early signs of dementia.

Fall Risk & Mobility Assessment – Discuss balance issues and fall prevention strategies. (Don’t worry, I was extra careful walking!)

Hearing & Vision Review – Talk about any changes in sight or hearing.

Depression & Mental Health Screening – Be open about stress, anxiety, or mood changes.

Preventive Screenings & Tests – Your provider may recommend cancer screenings, bone density tests, or cholesterol checks. Ask about your progress!

After the Visit:

Follow Up on Any Recommendations – Schedule necessary tests or specialist visits.

Review Your Personalized Prevention Plan – Your doctor should give you a wellness roadmap.

Update Your Personal Health Record – Keep track of changes and set reminders for future visits.

This checklist ensures clients maximize their free Medicare Annual Wellness Visit. Would you like a printable PDF version to share? Email Gray, Gray@TheBig65.com and he’ll be happy to share it. He won’t leave you in the dark🦇🔦!

Special thanks to Lisa for sharing this picture of Guthrie. Guthrie brings joy to everyone around him as a therapy dog in hospitals, cancer centers, and in hospice.

Keep up the great work Guthrie💖.

Don’t worry Plato, you can’t be replaced ☺️! There are never enough dogs in our lives!

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:

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:

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: