Medicare Insurance Broker Archives

The secret to longevity may have four legs🐕 🐕‍🦺 🐩 🐾

Beware of the Ides of March,

May this blog find you well, with your Medicare insurance coverage keeping you in the black🤣.

Questions about Medicare Supplements, Medicare Advantage plans, Part D drug plans? Email Gray@TheBig65.com or book a time on my calendar if you or your friends need help.

While walking Plato, we saw this stylish Cadillac, built the same year as Quantz. It’s nice to be married to a classic that never goes out of style😮.

Just read a great article about longevity, and guess what the link was?

Hint: Look carefully at my brother Robert. No, it’s not the Ray Bans😄.

That’s right, owning a dog like Teddy may increase longevity! Now dog ownership does not automatically make someone healthier, but research suggests dog owners often have lower blood pressure, lower heart risk, and may even live longer.

Only 60% of dog owners actually walk their dogs, so part of the benefit comes from actually getting out like Rob and these guys I see on the trails.

Some studies suggest dog owners have better survival after a heart attack or stroke.

Just be careful NOT to surprise your spouse with the world’s largest Beanie Baby. Match up the dog breed and size to your lifestyle! Mark and Annette couldn’t live without Boris.

A large 2019 review found dog ownership was linked to a 24% lower risk of death from all causes over 10 years. Pets may also help reduce loneliness and isolation, especially for people who live alone.

Our daughter Susanna said cats need a little equal time as well: less physical activity required and they can provide great companionship as well (like when we babysit our grandcat Kali.)

Sometimes the real benefit is lifestyle. A pet may not be the magic bullet — but walking, laughter, and companionship may be the secret sauce.

Plus, we get to celebrate Plato’s eleventh birthday…and the means carrot cake for the family, right Plato?

Keep asking, “What’s the next big thing?”

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
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Pennsylvania
South Carolina
Tennessee
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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.

Don’t Pay This Medical Bill Yet 💸✋🧾

Hello …. may this blog find you in excellent health with your Medicare insurance keeping you above ground just like this prairie dog😆.

Questions about Medicare Supplements, Medicare Advantage plans, Part D drug plans? Email Gray@TheBig65.com or book a time on my calendar if you or your friends need help.

I saw this little rascal in the foothills while I was riding my bike. Both of us were glad for the sunshine.

Almost every week, we receive calls from clients like Wayne the photographer. He opened a medical bill and felt an instant jolt of stress: a demand for thousands of dollars that a specialist was threatening to send to collections😱🧾.

So, today’s lesson is: Verify first, pay second. 🧾🔎💸

Remember, a medical bill is a request for payment. Your EOB (Explanation of Benefits) is the document that tells you what you actually owe.

Wayne said he felt like the moth in the hawk’s talons below! (Great pic Wayne!)

Medicare’s own audits found that in 2025, about 1 out of every 15 Medicare Part A & B dollars was paid incorrectly (about $29 billion). Of that, coding mistakes accounted for about $3 billion—roughly 1 out of every 140 Medicare dollars.

Plato says, before you have a heart attack, follow these steps:

Take a breath. Don’t pay yet. ⏸️

Find your EOB (Explanation of Benefits) and match the date/service. 📄🔎

If the numbers don’t match, call the insurance carrier first and ask what you actually owe. ☎️✅

Call the provider billing office and say: “Please put this on hold and resubmit the claim.” 🧾🔁

Pay only after it’s confirmed—then file the EOB with the receipt. 💸📁🐶

Wayne followed these steps and the ginormous bill was reduced to the much more reasonable copay😅.

In our ever increasingly complex Medical industrial complex, there will always be errors. Don’t let them ruin your health. With a little patience and persistence (and perhaps some help Gray and me), we’ll get you through the hard stuff.

Be like the dog sledders Shelly and Dave and keep going!

Keep asking, “What’s the next big thing?”

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:

… just checking in🍀

Hey there … may these words find you well, with your Medicare insurance keeping you lucky🍀, even on Friday the 13th🐈‍⬛.

Questions, frustrations, or things not working with your Medicare Supplement, your Medicare Advantage plan, or your Part D drug plan? Check in with the carrier FIRST, but if that doesn’t help…

Email Gray@TheBig65.com or book a time on my calendar and we’ll do our best.

After time in Sicily working from our son’s apartment, and having experienced the Festival of Saint Agatha, I was ready for something new. Or as the song goes:

“The secret to a long life is knowing when it’s time to go.”

I am so grateful to have a close friendship with our Airman, it’s no small thing to be able to hang with family without driving each other completely crazy, right?

We spent our last evening walking the ancient city of Catania….

…having a final dinner, and then saying our goodbyes.

Who knows when we’ll see each other next? Whether you live near or far from those you love, make each moment count.

Early the next morning, as the Airbus rose into the sky, over Sicily, and away from the volcano that dominates the horizon, I said a prayer for Sicilians and for all the people in my life.

Since I’m a CDB (a Cheap Dutch Bastard😹, my wife, Q, will confirm this), the tickets I book to travel are never direct (or expensive) and this meant the flight home would take several days.

The first stop was Naples where I connected with my old friend Pulcinella.

Pulcinella is a beloved character from the 1600’s street theater in Naples — a clever, imperfect everyman who uses humor, resilience, and adaptability to navigate a confusing world.

Visitors rub his nose for good luck🍀, hoping to carry a little of his clever spirit with them — a reminder that humor and flexibility can help us through life’s unexpected twists.

The next day, I flew to Munich and reconnected with one of our former exchange students.

The difference between Italians and Germans is the difference between cats and dogs, between night and day, yet both archetypes make the world better.

At the ancient beer hall in Marienplatz, Alex showed me a copy of the Reinheitsgebot, the Bavarian Beer Purity law of 1516, stating that beer can ONLY be made from water, barley, and hops. Only the Germans make rules about fun.

After dry January in Sicily, I did my best to make up for the long break by eating a schnitzel and drinking a single small glass of beer. As my German father always said:

“Everything in moderation…even moderation.” 🍺😂 Prost!

Spending time with the people you love is what it all comes down to, just like Wietze and Jeannie did on their bucket list trip to St. Kitts.

But Sam’s wife proves it’s just as magical on cold gray days in Wisconsin with the grandvarmints❤️.

Where you are matters much less than who you are with and the decisions you make each day. Plato’s glad I’m finally home, just in time for his birthday.

Keep asking, “What’s the next big thing?”

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:

Did you know the circle⭕is unbroken 🌋🌊?

Buongiorno☀️ … We hope this blog finds you in superb health, with your Medicare insurance not keeping you up at night!

Email Gray@TheBig65.com or book a time on my calendar if you are in a tight spot or if your friends need help with Medicare Supplements, Medicare Advantage Plans, or prescription drug issues.

The bells exploded at 5 AM on Tuesday, rousing the faithful (and the rest of us) who wished to experience the celebration of Sant’Agata, one of the largest of the holy festivals in Europe.

Piazza D’uomo filled with thousands, all hoping to see the sarcophagus, experience the 900th sharing of the martyr (Agatha was returned to the city in 1126 AD), and to receive the Bishop’s blessing.

I scampered up a high stone wall near the cathedral entrance, clasped onto a collumn, and gave thanks for every pushup and every squat that preceded this moment. My primary goal was to avoid falling and also to see and hear the procession.

With AI transcription glasses, I was able to understand the Italian liturgy and hear how Saint Agatha’s story continues, how priests and judges in modern Sicily have lost their lives to the Mafia, and how the fight for justice continues.

When the service finished, the one ton silver Fercolo holding Sant’Agata was carried from the cathedral, through the thousands (waving handkerchiefs and singing), then placed into the Candelora to be pulled by the devoti through the city.

It was a moving experience.

Rituals create attention.

They pull us out of autopilot and remind us that some moments deserve to be marked: birthdays, funerals, weddings, holidays.

That afternoon, Nicholas and I drove the north eastern coast of the island, surveying the recent cyclone’s damage.

In Sicily, you can never escape the volcano or the sea. These are the forces that continue shape the island.

Yet life goes on, and each year, the city pauses to remember what endures:, belief, family and tradition. The little boys build their cardboard Candelora and practice the procession. Perhaps they dream of carrying Sant’Agata through their city.

After days and long nights of celebration, in the brilliant midday sun, Sant’Agata returned to the cathedral, completing here 900th year in Catania.

Exhausted but unbowed, these young’uns took a breather after day of ritual, finding their way in this ever changing world that somehow never changes. As the song says, “the circle is unbroken.”

May we, who’ve been on the journey a while, look to them for inspiration and with encouragement, remembering to keep fresh eyes on the world.

Our country can seem busy and divided, stepping back softens the edges.

Practice gratitude, stay close to the people who matter most, treat others with kindness, and keep your eyes on the big picture.

It’s never just what happens, it’s how we choose to respond. “There is no them; there is only us.”

Keep asking, “What’s the next big thing?”

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:

When you hear the trumpets🎺😳… start running 🏃‍♀️💨

Italian greetings. As the winter storms sweep across the US, may this note find you in good spirits, with your Medicare insurance coverage keeping you safe, dry, and warm.

Book a time on my calendar or email Gray@TheBig65.com if you or your friends need help reviewing coverage or setting up new plans.

Sicily survived Cyclone Harry, north African winds captured Mediterranean moisture then coupled it with a low pressure that slammed into Mount Etna (blanketing the volcano in snow and clouds), producing days of flooding, heavy rain, high winds and destruction. The island shut down.

The streets of Catania were empty and the pictures of damage were unbelievable. Even the US bases closed.

After four days of darkness, the glorious sun returned and life began again.

While visiting our Air Force son, my working day begins at 4 and finishes well after midnight. Mornings are my down time, time for black coffee and reflection.

So it was with surprise that on the first day after the storm, I heard music wafting up from the streets below, trumpets, drums, and voices waking me from my morning stupor.

I threw on my shoes, grabbed the phone, and raced down five flights of stairs (Nicholas’ apartment has no elevator), eager to discover where the music was coming from…

I came upon the candelora, a massive votive candle tower weighing several tons, carried with straps of rope and leather, covered with flowers, saints, lamps and banners, carried by one of the neighborhood guilds, a practice run to prepare for Sant’Agata, the holy festival in February.

The men carrying it are called devoti—volunteers from the neighborhood who train for this role year after year.

Each candelora belongs to a specific quarter, passed down through families and streets. In a city shaped by volcanoes and storms, protection has always been local, practiced, and shared.

The kids run alongside it, close enough to feel the weight and hear the commands. They learn by being there. In a world of screens, resilience still comes from presence, shared effort, and carrying something real.

This began as a Pagan ritual, then added Roman beliefs, then Christian, and the meaning continues, tying a people to a place, time out of mind.

Here are just a few of the headlines from this week’s paper:

Wheel falls off passenger jet onto ✈️🛞Sicily Beach🏖️
Sinkhole 🌧️🕳️swallows car amid Sicily downpour🚗😬
Police find cocaine🔍❄️ among spicy sausages🌶️🌭
Mafia baptism ad 👶✝️📺sparks anger in😡 Sicily

So when you live in a place like Sicily (or the U.S.), looking for meaning and protection in a world that can’t be controlled makes sense.

Praying with the rhythm of the saints and being part of a tribe is a great way of connecting—staying steady when the headlines, the weather, and the ground itself refuse to cooperate.

So this week, give thanks for being above ground, connect with people you love, look for ways to help others, and do a few simple things that help you stay steady—no matter what the headlines are doing.

Keep asking, “What’s the next big thing?”

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:

Out with the old🧹, in with the New📦!

January Greetings …

May this blog find you well, not having to wrestle🤼‍♂️with your Medicare insurance coverage💪😂.

Book a time on my calendar or email Gray@TheBig65.com if you still have questions.

Winter vacation is over for Miti. Our Malagasi exchange student enjoyed her holiday but I think she is glad to be back in school.

Last week, we took down the house decorations, this week we took down the tree🎄.

Isn’t it amazing how many ornaments you collect over a lifetime? This one was made by my mom and hung on their tree when we were kids.

Even with a tall tree, we didn’t hang all of the ornaments; there were dozens that never made it out of their boxes, the collection of a lifetime, taking up space.

Once the tree is gone, the space feels so open again, doesn’t it🌿✨😊 ?

So after walking the tree (with Plato and Miti) to the park to be mulched (the tree, not Plato), I remembered this article on decluttering from Kiplingers that I’ve been meaning to share.

The core message is one we all know, but it helps to hear it again:

Start downsizing before you need to. Doing it gradually reduces stress, emotional overload, and costly last-minute decisions later in retirement.

Talk about stress: after we dropped the tree off, we ran into Plato’s Doppelganger twin at the park.

If you don’t have time to read the article, here are the key takeaways:

Start small and early. Begin with low-emotion areas like a bathroom, linen closet, or pantry to build momentum and confidence.
Use a simple system. Empty a space completely, then put back only what you truly use or value.
Follow the one-year rule. If you haven’t worn or used something in the past year, it belongs in the “go” pile.

Be decisive. Avoid “maybe” piles. Indecision leads to storage costs and delays.
Let go of guilt. Donating inherited items doesn’t dishonor loved ones; objects aren’t the memories.
Match belongings to future space. Don’t try to squeeze everything into a smaller home—decide what fits before you move.
Don’t rely on your kids. Adult children usually don’t want most furniture or household items—assume they won’t take it.

Speaking of kids (& doppelgangers), Sus and KC went to a costume party as twins👯‍♂️!
Pretty convincing likeness, eh😂?

Consider help. A professional organizer or trusted friend can provide motivation and emotional support.
Enjoy the upside. Less clutter means less stress, better sleep, and a greater sense of freedom.

Bottom line:
Downsizing is a lifestyle shift, not a one-time purge. The earlier and more consistently you do it, the easier—and more liberating—retirement becomes.

It’s all about deliberate small steps, over a lifetime. Plato says that’s the secret to a Happy New Year!

Keep asking, “What’s the next big thing?”

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:

Happy New Year🎉! Now what🤔?

Black eyed peas 🫘 & collard green 🥬New Year greetings …

We hope this blog finds you with new resolutions, and with your Medicare insurance in place. We worked up till New Year’s Eve.

Many carriers are behind in processing December applications, so do keep an eye on the mail for your welcome packages.

For those who forgot to check in, feel free to book a time on my calendar or email Gray@TheBig65.com if you still have questions.

Our exchange student Miti enjoyed the Christmas holiday. This house was featured in USA Today and it was only a few blocks away. I’m glad we don’t pay their electric bill😄.

We’ve taken down most of the Christmas decorations. Xmas dinner prep was a great switch from reviewing Medicare plans. This year, I prepared Momofuku, a slow roasted Korean Boston Butt.

You stuff the roast with garlic cloves, cover it in rock salt, a bit of sugar, and slow roast it seven hours. It’s to die for, I promise.

Here’s the recipe, if you ever need a replacement for the turkey or the traditional ham.

Of course after the “winter” feeding frenzy is over (though it’s not wintery in Colorado), it’s time to make plans for 2026.

This year, I’m putting resolutions to the side and focusing on science based ways to feel better and be healthier. Thanks to Q for sharing this article.

Let go of perfectionism – “Good enough” really is good enough. Self-compassion lowers anxiety and depression.

Of course, like an idiot, I decided to do dips using the bathroom counter. It definitely was not a brilliant idea. The intention was good, the outcome was not.

Beating myself up over a mistake won’t make it go away (hopefully a skilled stone mason can repair it).

The bottom line… when you make an honest mistake, acknowledge it, say “oh well,” and move on.

Strengthen friendships – Celebrate others’ good news; strong social ties support heart health and longevity.

I make it a habit to reach out to my brothers regularly, to celebrate what’s going well and to laugh at each other as much as possible.

Not only is it important to maintain old friendships, but try to strike up new ones. I met Joseph and his sister on the bike trails and we were all shocked by how much we have in common. I’m looking forward to hanging with these people!

Embrace winter – Finding beauty and coziness in darker months can improve mood and wellbeing.

Whether it’s nice, or it’s snowy like this in Buffalo (hang in there Dave & Shelly), put on layers, good shoes and get outside… or curl up in front of the fire with a good book.

Take short naps – 10–20 minutes in the early afternoon can sharpen thinking and protect brain health. Plato is a firm believer in the power of naps.

This article includes other ways to feel better. Remember that small changes can create huge rewards. May 2026 be your best year ever! Plato is counting on it.

Keep asking, “What’s the next big thing?”

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:

Ready for the big sweep? 🧹✨

Warm Winter Greetings …

May this blog find you in great health, with your Medicare coverage sweeping up the dust bunnies🧹🐰✨.

We’re in the home stretch of 2025, so please reach out to Gray, Gray@TheBig65.com, if you still have questions.

I am available to help through the 31st. If you can’t find a time to book a time on my calendar, call us at 877-850-0211 and please leave a message.

We’ll do our best to get everything cleaned up before the end of the year.

It’s been great to have a bit more free time to join Quantz and our exchange student Mitia, checking out cultural events nearby. This was Mitia’s first time in an art museum and she asked if the paintings were real.

Congrats to everyone who answered the honey quiz: Mike, Helen, Dave, Sam, Cindy, Pam, Carl & Ed. The answer was “The Christmas Story.”

And even though I said they would only be three winners… Quantz told me not to be a Grinch, so we are sending honey to all eight responders!

We can’t believe it’s December here in Colorado. Plato’s been loving the warm walks and asking for his Christmas sweater to be removed.

Word from the weatherman is there’ll be snow on Sunday, but I’m not holding my breath.

Thanks to Dre, Lucy, and their Grandma Vickie for sending over a box of delicious, homemade cookies. Who said the Christmas spirit is gone? Not yet!

As we enter the last week of the year, tie up what you can, let go of what you can’t, and send out as much love as possible.

You can still be the magic in someone else’s life. The choice is yours!

Keep asking, “What’s the next big thing?”

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 to do next 🙂👇

Rocky Mountain Greetings🏔️ …

May this blog find you warmer than Miti and Plato🐼, with your Medicare coverage keeping away the cold🥶.

The Annual Election Period ended December 7th🎉. Medicare Supplements can be changed any month of the year (if you are healthy enough to get through underwriting🤞❓🩺.) We are always happy to review them if the premium gets too high!

If for some reason you didn’t reach out on your Medicare Advantage Plan for 2026, and you are unhappy, visit TheBig65 website and book a time in January to understand the Open Enrollment Period. Please email Gray@TheBig65.com if you have questions.

In our continuing effort to provide our Malagasy exchange student with firsts, we took her to Elk Creek to cut down a Christmas Tree🎄. Plato was definitely in his element🐶😄.

For $20 dollars, you get a permit and the right to search for the perfect tree.

After a while, you’re feet get cold and you have to give up on perfection and just make a choice.

My wife Q said the same thing is true about choosing husbands😉, but after 37 years, it’s too late for her to return me😂.

While we hunted for the perfect Xmas tree, Quantz was busy learning how to make a Christmas wreath.

As the year winds down, here are a few simple ways to wrap things up and step into the new year feeling steady and prepared:

Financial:
Take a look at the year—bank accounts, bills, subscriptions. Cancel what you don’t use. Simplicity going into January is a gift.

Health:
Schedule anything you’ve been putting off—annual checkups, eye exams, dental visits. A small appointment now can save bigger headaches later.

We visited the 40th Annual Festival of Lights at the Denver Botanical Garden with Miti and it was dazzling!

Medications & paperwork:
Make sure you have refills in place and your important documents organized in one spot. If you changed Medical or Drug plans, keep an eye out for the new cards. Fewer loose ends means less stress.

Also, if you’ve hit your maximum out of pocket drug costs ($2,000) for 2025, see if you can refill any of the expensive drugs before December 31. Next year, the drug maximum will be $2,100.

Movement & rest:
No big goals needed. Keep walking, stretching, or moving in ways you enjoy—and give yourself permission to rest.

Our brother-in-law, Sean, prepares the most delicious deep fried turkeys 🦃 I have EVER had. His birds are worth traveling for😋!

Perspective:
Notice what went right this year. Gratitude doesn’t need to be loud—just real.

Thank that friend or loved one in your life who makes each day better.

Family & the holidays:
Do your best, take breaks when you need them, and remember you don’t have to solve everything in one visit. Presence matters more than perfection.

Luke and Carmen couldn’t wait for Pearl, Hugo, and the grandvarmints to visit. Their children live half way around the world (Jarkata) and every moment together is a blessing.

Wherever you are and however you’re spending these final weeks…

I hope you find moments of calm, connection, and a little joy. The new year will be here soon—take it one episode of Christmas special at a time🙂.

Keep asking, “What’s the next big thing?”

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 the holiday turkeys🦃😆❤️

Pre Thanksgiving Greetings 🦃 …

We hope your favorite football team is winning (sorry Dave😞🏈), and your Medicare Insurance Coverage is not driving you bananas🍌.

Questions about your Medicare Insurance? Email Gray, Gray@TheBig65.com, or book a time on my calendar.

Quantz and Miti will be heading east for the holiday to spend time with family (and for Miti to see a bit more of the US). Before they left we took her to the Botanical Garden.

While they toured the grounds and took a wreath making class, I set up in the coffee shop and did my best to catch up with people who are still needing reviews.

One of the biggest changes in Medicare for 2025 is that almost all drug plans have stopped allowing brokers to enroll clients in Part D drug plans.

Of course we are still reviewing drug plans for existing clients and making recommendations, but this change is frustrating for us and for clients.

I guess it is just a dog eat dog world, right Plato?

The good news is that it is relatively easy to log into Medicare.gov and review your Medications to see if your plan is appropriate. If it proves too complicated, and you are an existing client, please don’t worry, just email Gray a request with the names of your drugs and your current plan and we’ll still do the review for you.

Thanks to Carol and so many of you for your referrals and your Google reviews.

Even though our honey harvest was much smaller this year, we are still sending it out to loyal followers who either give us a review on Google, or refer new clients. Help us reach 400 Google Reviews.

These bears sure like Florida.

Miti has been helping us label and send so if you haven’t received yours, and we promised you some, please let us know.

Plato told Julius it was okay to share the honey with his friends, but he’s pretty sure they’d prefer bones, just saying!

So as we prepare for the holidays, try to spend time with the people you love❤️ (like Q’s elementary school pal Elaine). And…

Do your best to tolerate the turkeys🦃😂. We only have one life, put your energy where it counts.

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.

Karl Bruns-Kyler
(877) 850-0211
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Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including: