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!

A text message that appears to be a scam.

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!

A nice looking lady standing in front of Iguazu Waterfalls.

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!

Joe posting between two colorful performers.

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!

White ducks and black ducks swimming in a pond.

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!

Colorful 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.

A beautiful vista with buildings in the distance.

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.

A man with three small black dogs.
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😂. 

Karl eating tacos on the street.

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.

People bicycling on a busy street.

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!

Sus and Plato together.

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

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

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

Medicare questions or problems?

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

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

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

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👴😖😂!

A stone man artwork.

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

It’s not just about quantity…

Scary looking mask found in a museum.

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?

Scary looking stone man sitting in a museum.

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

Karl working on his computer in front of a large window.

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!

A group of people posing for a photograph.

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!

Quantz looking at a table with two large bird cages and an alligator on it.

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😂.”

Karl holding a glass in each hand and sipping through a straw in each glass.

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.

A pile of skulls and small statues as part of an art exhibit.

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😳😨!

Nicholas on a set of skis in the mountains of Italy.

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

Quantz standing in front of a large statue of a head.

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

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

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

Medicare questions or problems?

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

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

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

🚨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.

Quantz and Karl standing on a historic site in Mexico.

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.

Quantz looking up at the ceiling of a stone structure.

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!

Karl feeding a brown dog.

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🤣!

Quantz sitting in a bed covered by a net.

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!)

Karl sitting on a boat.

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!)

Karl walking down very steep historic stairs.

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!

Quantz standing on a hill.

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🦇🔦!

Quantz holding a light in a dark cave.

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💖.

Guthrie the brown and white dog.

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

Plato in the snow.

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

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

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

Medicare questions or problems?

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

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


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

Don’t ever pay…immediately ⚠️!

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

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

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

A farmer and his cows crossing a dirt road in Mexico.

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

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

To avoid overpaying, separate the forest from the trees.

Here’s what to do:

A large Montezuma cypress tree.

Review Your Bill Carefully:

  • Never pay the bill  immediately.
  • Request an itemized statement from your healthcare provider.
  • Look for duplicate charges, services you didn’t receive, or any unfamiliar billing codes, called CPT codes.A Mexican woman with a pink hat preparing food on the street.

Compare with Your Insurance Coverage:

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

Karl and Quantz having a meal and looking back at the camera.
Contact Your Healthcare Provider’s Billing Department:

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

A brown dog with a white flower on its back sitting in sand.

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

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

Quantz flanked by a gentleman gliding in the sky.

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

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

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

Medicare questions or problems?

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

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

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

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.

Haas throwing up his arms in a cold pool.

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.

Two dogs and a cat lounging around on a sofa.

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.

A group of people walking through the woods in Mexico.

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

A monarch butterfly resting on a green leaf.

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.

Karl in a white shirt admiring butterflies in nature.

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.

Monarch butterflies resting on a log.

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

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

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

Medicare questions or problems?

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

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

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

January sure is dry!

Happy New Year 🎉🥳🎆 …!

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

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

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

Lauren wearing a white hard hat in Times Square on New Years Eve in NYC.

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

Haas dozing off on the shoulder of Nicole.

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

Quantz reading a magazine in a dimly lit apartment.

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

Plato and Elwood the two big dogs looking through a glass door.

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

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

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

A group of people having dinner around a round table.

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

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

A group of people looking through the goods of a street vendor.

Physical Benefits:

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

A group of dogs waiting to be walked.

Mental Health Benefits:

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

A group of dogs surrounding a man.
Social Benefits:

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

Quantz and Karl looking at the camera.
Long-Term Health Benefits:

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

A group of men paying chess at tables under a big tent.

Tips for Success:

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

Karl working at a desk.

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

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

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

A sculpture of Einstein's head.

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

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

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

Medicare questions or problems?

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

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


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

Get ready, the end is coming!

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

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

Koala bear grabbing a tree.

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

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

Karl standing under a tall ladder next to a Christmas tree.

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

Quantz in the kitchen putting away Christmas decorations.

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

Karl carrying away the Christmas tree.

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

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

Henri the small white dog curled up with colorful lights.

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

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

Kali the big brown dog chewing on a brown bone.

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

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

A big brown dog staring at the camera.

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

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

A small white dog.

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

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

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

Ken standing next to a blue body of water in Australia.

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

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

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

Medicare questions or problems?

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

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


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

Karl Bruns-Kyler of The Big 65, the nationally recognized Medicare insurance expert.

How will you be remembered🪦?

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

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

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

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

Nicholas and Plato in the snow.

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

Sus on a ladder decorating the Bruns-Kyler Christmas tree.

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

A silver Christmas ornament.

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

The Bruns-Kyler family making a toast at the family Thanksgiving meal.

  • Stay Active:  Enjoy family walks, gentle yoga, or even a snowball fight! Movement helps manage stress and keeps energy levels high.
  • Eat Smart:  Indulge in holiday treats but aim for balance. Include plenty of fruits, vegetables, and lean proteins in your meals.
  • Rest Well:  Prioritize sleep to recharge your body and mind for all the festivities.

    The Bruns-Kyler family enjoying the Christmas tree in their living room.
  • Be Present:  Put down the phone and focus on real conversations. Ask family members about their favorite memories or future plans.
  • Practice Gratitude:  Share what you’re thankful for—this small act can boost everyone’s mood.
  • Create New Traditions:  Whether it’s baking cookies, watching a classic movie, or volunteering together, building memories is what the holidays are about.The Bruns-Kyler family together in their living room.
  • Set Boundaries:  It’s okay to say no to events or requests that feel overwhelming.
  • Plan Ahead:  Organize holiday tasks early to avoid last-minute chaos.
  • Breathe:  Take a moment to relax with deep breathing or a short meditation if things feel hectic.
    A man and a woman hugging each other.
  • Volunteer:  Help out at a local shelter, or support a charity close to your heart. Quantz has been delivering Meals on Wheels and really enjoying it.
  • Check on Neighbors:  Reach out to elderly neighbors or those who may be spending the holidays alone.

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

Nicholas at the airport.
Keep squeezing the juice out of life and look for ways to help others!

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

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

Medicare questions or problems?

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

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


Karl Bruns-Kyler

(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

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.

Nicholas skiing in the mountains of Colorado.

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.

Nicholas and Plato walking in the woods.

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:

Nicholas cutting down the Christmas tree in November 2024.

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.

Karl putting a Christmas tree on the top of his car.

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.

A man and a woman putting up a Christmas tree in their living room.

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😂!

Plato the big dog in Karl's backyard looking back at the camera.

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

Elizabeth holding two jars of honey from the hives of The Big 65 Medicare Insurance Services company.

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!

Elwood the Rotweiler.

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

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

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

Medicare questions or problems?

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

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

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


 

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

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

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

Avoid these rookie🙀 Medicare🚑 Mistakes💸🤭!

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

Plato says he’s pretty excited about the 12 inches of snow we received. He loves the snow!

Plato playing in the Colorado snow.

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

It’s been a delight catching up with so many of you these past few weeks but it sure has been a challenge staying on schedule. I’ve been doing ice baths every morning at 4:30 AM to get ready for the day. It’s supposed to be great for metabolic health. I’ll keep you posted on my numbers!

Karl sitting in an ice bath in his backyard covered with snow.

Hard to believe, a week ago, it was beautiful and sunny. Q was raking leaves.

Q raking leaves in Colorado.

I was prepping candy boards just as the snow warnings came.

Karl working on candy boards.

It seems like every year, the process gets a little easier. But…

You have to pay attention to the details (like adding a bit of vinegar to prevent mold).

A candy board in the backyard.

If you don’t pay attention to details, the hives will perish and you don’t get honey.

A hot stove in the kitchen.

If you don’t pay attention to the Medicare details, bad things can happen.

Did you know that Medicare won’t always pay for ambulances?

Karl in his beekeeping suite.

Client Judy in Denver shared the story of a neighbor who had to pay the full cost of her ambulance. Turns out, if it’s not a life threatening emergency, you may get stuck with the bill.

Beautiful view of the sun.

Medicare will not pay for ambulance services if:

1. It’s Not a Medical Emergency:  Medicare only covers ambulance rides when it’s necessary for your health. If you could safely travel by another method, they won’t pay.

2. No Doctor’s Order for Non-Emergency Rides:  For planned, non-emergency ambulance rides, you need a doctor’s written order stating it’s necessary. Without it, Medicare may not cover the trip.

3. Going Farther Than Needed:  Medicare pays for rides to the nearest suitable medical facility. If you go farther without a medical reason, you’ll pay extra.

4. No Advance Notice:  In some non-emergency cases, if the ambulance company thinks Medicare won’t cover the ride, they must give you an Advance Beneficiary Notice (ABN) first. If they don’t and Medicare denies payment, you might not have to pay for it.

Here’s the book with all the details. Buyer beware!

Nicholas in the Air Force.

Our son Nicholas just finished his first tour of duty in the Air Force stationed in Britain. We can’t wait to see him.

Becky and Joe with a jar of honey from The Big 65 bees.

Thanks to Becky and Joe for the Google review. They live around the corner so I was able to drop off their honey the day before the storm.

We still have plenty so feel free to leave us a review on Google or Facebook. If you were promised honey and it hasn’t arrived, please let us know.

A nice lady holding a birthday cake.

Happy 66th to this young lady (her husband said they had to use the previous year’s candles😂). I accidentally deleted the sender’s name😅, so please send me your name and you’ll get honey as well!

A nice lady in front of red rocks.

A big shout out to Marcia and her hubby for sending pictures of their great travel adventure…8000 miles across 15 states in their 42 foot motor home over two months, Florida to Montana. Now that’s living large, right Bruce😊.

Sitting on an oversized chair.

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

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

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

Medicare questions or problems?

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

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

 

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


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

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

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

A jar of honey from The Big 65 Medicare Insurance Broker, Karl Bruns-Kyler.