Why Not Volunteer?

May this blog post find you in good health with your Medicare Coverage working properly.  

After visiting the largest Buddha in Bangkok, Q and I couldn’t resist walking past the monk and receiving good wishes.

Monk in Bangkok with Karl and Q.

We’ve been sending this newsletter for five years now, pretty much every Saturday.

Whether at home or working from the road, I feel incredibly fortunate to be able to help clients from all over the States make sure their Medicare coverage is working properly.

Quantz in the sun with The Big 65.

We had a long trip to visit the bridge over the river Kwai (remember that movie?) and to learn about all of the Allied POW’s who died building the Thai Burma railway during the Japanese occupation.

My great uncle was a Dutch POW and he was forced to help build the railroad.

Karl and Q visit bridge over the River Kwai.

My takeaway from his horrific experience (he wrote the history for the family) is that he survived because he banded together and worked with other POWs to survive and to help each other.

In our world today, I think we survive and thrive by staying connected to others. At least that’s what many clients tell me on a regular basis when we catch up on calls.

Click on the picture below to learn one activity that seems to make life better.

Volunteering has many benefits that go both ways, for the volunteer and the recipient.  

Engagement, a sense of purpose, connection and perhaps better health could be a few of the benefits of doing something new and developing new relationships.

Here is a link to the benefits, and also a link to the organisation where we dropped in to teach English for a morning.

Volunteering seems to be one of the secret sauces that brings joy to life.

For years my mother volunteered by driving community members to doctor appointments and also working in an animal shelter.

Aunt Nureen and kids in Laos.
While in Laos, we connected with my cousin Arjan and his family, including my Aunt Nureen. Do you think she enjoyed the time with her grandchildren?

They were volunteering at Big Brother Maus, a drop in English Class center that also publishes books and improves local schools. It was a really nice way to connect and do something small that may help others.

Arjan and Karl together.
I only see Arjan every 5-10 years so when we do see each other, it is meaningful to catch up.

Vendor with bracelets made from bombs.

We thought this was a pretty cool way for the Lao people to take something painful and turn it around, turning bomb metal into souvenirs for the night market.

Sunset with The Big 65.

Our daughter Sus tells us it’s super cold back home in Colorado, so we are appreciating the warmth here.

Vendor selling sticky rice treats.

While returning from a visit to the bridge over the river Kwai, we stopped at a roadside gas stop and sampled these delicious sticky rice treats, filled with banana, sweet potato and other surprises. Ten Thai Baht each, 31 cents, so they were fun and inexpensive to sample.

Vehicle in Thailand.

Please remember the reason for this newsletter is to make sure your Medicare coverage is working the way you expected it to be working.

So if you’re having issues, reach out to Gray, my right hand man, Gray@thebig65.com, and we’ll make sure things get taken care of.

And if you or someone you know has any questions about Medicare insurance, visit theBig65.comThere are plenty of slots on my calendar.


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

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

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

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

New Jersey
New York
North Carolina
South Carolina

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

The Big 65 Medicare Insurance Broker logo

Annual Election Period Ends Soon

Plato is channeling how yours truly feels during the Annual Election Period which ends soon.

If you’ve already updated your Medicare coverage (or you are happy) you don’t need to do anything, but…

If you are a procrastinator, the end is near for making changes so book a time on my calendar.

PLato rests_The Big 65 Medicare Insurance Broker
It’s been a delight catching up with so many of you and updating hundreds of plans. Most people don’t change, but some do.

I’ve added extra hours so I’ll do my best to squeeze everyone in! You can see my motto below.

Plato in the snow in Colorado_The Big 65

This week, I read a fascinating article on Alzheimer’s. Many people believe if you are diagnosed, there’s nothing you can do, but this isn’t true! Studies have shown that identical twins with the same Alzheimer’s diagnosis had vastly different outcomes if they were proactive in their approach. Puzzles, diet, exercise and engagement with others make a huge difference.

It is amazing that Alzheimer’s can be slowed down and the same is true of Parkinson’s. It’s amazing how much we can affect our own lives and the lives of others with small actions.

Qs birthday in Colorado_The Big 65

We celebrated Q’s birthday yesterday. I am the luckiest guy on the planet, even after 34 years, I give thanks for this amazing woman. We’ll celebrate after the busy season ends on Wednesday.

And I’m going to feel like this!

Karl jumps for joy in Colorado_The Big 65

I’ll be super happy when I’ve taken care of every one of you!

In the meantime, feel free to forward this blog post/newsletter to friends and family with Medicare questions!  Referrals are the lifeblood of my business.

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

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

Watch Out For Overbilling On Medical Claims

Happy November and may this find you in good health with your Medicare insurance working properly.

Did you survive the elections and all of the storms coming up from Florida?

Only about 4 weeks left until the Medicare Madness of Open Enrollment is over.

Hopefully you’re also ignoring the noise and the false promises your hear on TV and from the illegal call centers, but if you do have questions, feel free to book a time on my calendar.

Donkey closeup Turning 65 and shopping for Medicare is a pain in the

Watch Out For Overbilling On Medical Claims

One of things I enjoy most about my work as a broker is catching up with clients all over the country, seeing how they are doing and making certain their coverage is working properly.

This week, I spoke with three different clients who had made a Medicare mistake that cost them money they shouldn’t have had to pay. Click on the picture so you don’t the same thing.

Watch Out For Overbilling On Medical Claims
I wrote about this problem earlier in the year, but it seems to be getting worse. Another studyu have to be on your toes.

One study claims that at least four out of five medical bills contain minor errors.

Another study says that 50% of all Medicare bills have errors.

Perhaps these numbers are inflated, but the reality is medical billing errors are common and you have to be on your guard.

If you have a Medicare Supplement, other than a small annual deductible, normally, you shouldn’t have any additional copays for the hospital or your doctor visits.

If you have a Medicare Advantage plan, your copays are clearly spelled out in your summary of benefits.

So remember: if you receive a bill, don’t pay it until you’ve reviewed it with your insurer and confirm that it has been properly coded and submitted. Take your time and don’t fall victim to the medical industrial complex!

Quantz at lunch with Karl Bruns-Kyler of The Big 65

Well, I sure was happy to have Quantz home from her adventures in England visiting our son. Even though this is my busy season, we did find time to go out for lunch.

Of course after a week at home, she left me again… to visit her parents in South Carolina and to help them clean up after the hurricane.

Wembley stadium in London_Denver Broncos football

To celebrate Veteran’s Day in advance, we bought our Air Force son (and a buddy) tickets to the Broncos football game at Wembley stadium in London

Nicholas and friend at Wembley stadium to watch Denver Broncos play football_The Big 65

Judging by their smiles, these two soldiers had a great time (and the Broncos won)! Be sure to reach out to the military members of your family and in your community and thank them for their service. Nicholas is two years into his four year commitment, keep him and all our soldiers all in your prayers.

Robert cracking crabs_The Big 65

My little brother Haas sent me this picture of our older brother Robert as they enjoyed a glass of beer and bushel of crabs from the eastern shore of Maryland. Wish I’d been there to join them but I’m happy they spent time together.

Are you finding ways to spend time with your family? Life is short, live large while you can.

David and Romona's kitchen in Virginia_clients of The Big 65

Clients David and Ramona sent this picture of their kitchen in Virginia, making pumpkin bread, pumpkin pie, and pumpkin soup. That, to me, is living large and living well! Empty nesters enjoying time together.

How do I live large? Well, before she left for South Carolina, Q took me to a museum and I expressed my creativity as an artist.

Karl Bruns-Kyler holds self-portrait_The Big 65
Don’t worry, I won’t be quitting my day job :), Medicare is what I do.

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

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

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

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

New Jersey
New York
North Carolina
South Carolina

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

Pennsylvania Medicare insurance agent Karl Kyler

Don’t Pay Your Medicare Bills Until You Are Sure They Are Right!

Recently, one of my Medicare clients received a $50,000 bill for a hospital stay.

I hate to say it but…

It’s not that unusual for medical billing to be incorrect.

When a client in Ohio received the $50k hospital bill, I had to jump in.

After a couple of calls and a long time on hold…

We finally got the bill corrected and resubmitted.

The client’s portion?

Less than a thousand 😊, whew!

If you receive a bill and the numbers look high… remember that medical overbilling happens all the time.

Or different than your what your summary of benefits dictates…

Don’t pay right away.

Call your insurance provider and review the billing.

If the numbers don’t match, call the healthcare provider billing department.

Tell them to review the billing codes and to resubmit the bill to your provider.

Sometimes it can take multiple calls, but it’s definitely worth the trouble.

Remember, information is power. So arm yourself with as much information as possible.   What exactly does your insurance cover?  What doesn’t it cover?   The more information you have and the better informed you are, the better prepared you will be to spot errors in medical bills.

There are many reasons why medical overbilling occurs.  Some of these reasons include:  Upcoding, Duplicate Billing, Over-prescribing Drugs, and Utilization Abuse.  Again, educate yourself and pay close attention to all medical bills BEFORE making payment.

Here’s a Medicare link to new protections against surprise medical bills.

And if you have questions about Medicare Insurance, book a time on my calendar.


Karl Bruns-Kyler logo

Watch your Medicare Drug Costs!

As a Medicare Insurance Broker, one of the biggest frustrations clients have is the cost of prescription drugs.

Once you’re in a drug plan, it still makes sense to be a good consumer.

Before filling your prescription with your drug plan, ask your pharmacist the cash price for the medication.

It’s also a good idea to check out the cost of a medication using the free website good rx.com.

Before filling a brand-name medication, ask your pharmacist if there is a generic alternative that is less expensive and talk to your doctor about that.

Also talk with your pharmacist about getting a higher dosage prescription and breaking it in half if your pharmacist considers it a safe thing to do.

 Remember, be a smart consumer about your medication, and if you have questions about Medicare, book a time on my calendar here.

One Key To Longevity

As a Medicare Insurance Broker, I have the privilege of working with retirees all over the US.

Some are thriving; some are struggling. One thing that everyone wants? Good health.

One of the simplest things we can do to improve our health is stay physically active.

Small steps over a long period of time can have a hugely positive impact on our health.

Walking, balance exercising or even light housework counts as physical exercise.

So look for simple achievable options you can perform daily to stay in motion and to feel better.

And if you have Medicare Insurance Questions, book a time on my calendar here.

Homeowners Beware!

As your Medicare Insurance Broker, I encourage you to schedule a time on my calendar every year to make sure your coverage is up to date.

It’s equally important to review your homeowners coverage with an independent property & casualty broker as well.

Understand the deductibles, make sure your valuable items are scheduled and have your broker shop the rates so you are not surprised.

I work with the same clients for years and years and clients appreciate that I am not tied to a single Medicare Insurance Company.

The same is true of Property and Casualty Brokers that are independent.

Find one that you like and trust who works hard for you.

Here’s an article to get educated.

And if you have questions about Medicare, or Medicare insurance, book the time on my calendar here.

My job is to help you take the mystery out of Medicare :-)!

Watch Out For Medicare Dyn-o-mite!

As a Medicare Insurance Broker, clients call me daily asking about all the “free Medicare benefits” they keep seeing on TV.

Jimmie Walker as JJ on the TV Show “Good Times.”

Joe Namath the quarterback.

Would you call them to review your Medicare?

Of course not!

They’re actors pitching HUGE BENEFITS…

Benefits that, in reality, are usually available only to consumers BELOW THE POVERTY LINE.

But they want you to think…

Everyone is getting Flex cards, everyone is getting benefits, what am I missing?

The reality? Unless a couple earns LESS than $24,000, most people won’t be for eligible high dollar benefits you hear about on these ads.

Now it is important to review your coverage.

But don’t do it with a call center!

Why not?

Because these corporations only get paid if they switch you.

Do you think that makes them impartial? Impossible!

They have ZERO INCENTIVE to tell you your current plan is appropriate.

If you call in, the deck is stacked against you!

Plus, once they bait and switch you, you will never talk to them again…

You’ll be transferred to the corporate retention center.

Try developing a relationship with a corporate retention center!

Let’s be clear, it is important to review your coverage regularly but…

You need to find an INDEPENDENT MEDICARE INSURANCE BROKER, someone you can work with year after year, someone who works with all the plans.

Look up your Broker’s report card on your State’s Department of Insurance website.

Look up your Broker’s google reviews.

Schedule an appointment. See if you connect.

The bottom line… find a helpful agent you connect with and talk to year after year.

Someone who is looking out for you!

It’s good to have questions, and it is important to review your coverage but…

Watch out for Dyn-O-Mite.

And if you need help from an individual, not a corporation…

Book a time on my calendar here!