Please don’t get angry!

May this note-blog post find you in great health with your Medicare Insurance working properly.

Sure hope you are surviving the crazy heat… 94 in Savannah with humidity, 108+ in Phoenix. This week, clients all over have been telling me it’s starting to get on their nerves. Hang in there, fall is coming!

You know the saying happy wife, happy life? I guess it’s all about perspective. So, please don’t get angry!

Karl Bruns-Kyler and Quantz.

Getting older comes with its own set of challenges, like dealing with Medicare and health issues, which can make anyone feel frustrated or angry. When you find yourself getting upset with your spouse or family, it’s important to take a step back and think differently about the situation.

Karl Bruns-Kyler and Quantz Bruns-Kyler picture in European art gallery.

Instead of seeing problems as things that drive you apart, try to view them as chances to come closer together. A simple pause to breathe and think can do wonders!

Remember, you and your loved ones are a team, working together to make life better for everyone. Talking openly, trying to understand each other, and even sharing a laugh can turn hard times into moments that make your family ties stronger. This way, you don’t just solve problems—you build a happier, more loving home.

Deb and Dave in front of their camper.
Speaking of a happy, loving home, congrats to Deb and Dave, Buckeyes who just celebrated their 44th wedding anniversary doing what they love to do… camping and exploring.

Deb and Dave inside their camper.

These two are living proof that life is an adventure and that it is up to each of us to write our own story. Their story includes spending as much time as possible with family and friends in the great outdoors. Keep going!

Elissa in Georgia standing in field.

Elissa in Georgia has been living her best life this year exploring the world.
Elissa visiting the Jameson distillery.

In addition to Ireland and England, she has visited SIX other countries this year. Her husband James chose to be at home and is totally supportive of her adventures. They spend great time together and apart. Elissa says she’s totally blessed and humbled.

Utah Beach in Normandy.

I recently felt blessed and humbled visiting Utah Beach in Normandy, one of the sites of the D-Day invasion. That the Allies were able to pull off the greatest amphibian landing in the history of the world is beyond belief.

Haas standing near Utah Beach in Normandy.

After many years of asking, I was finally able to convince my little brother, Haas, to join us on this adventure. This was his first trip to Europe and only his second time out of the country.
Haas enjoying the sights and sounds of France.

Other than a stomach bug, I’m pleased to say he had a blast. He runs a convenience store in Virginia, so we were always checking things out he might be able to add to his store.

We ran across these automatic pizza machines all over France. You drive up, touch screen your order, and 3 minutes later, out comes a delicious, hot, fresh pizza. What do you think? Let me know if you’ve ever seen this.

Automatic pizza machine in France.

That’s it for this week; Keep squeezing the juice out of life!

Medicare questions or problems?

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

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

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

 

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-seven states around the country, including:

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

The Big 65 Medicare Insurance Services does 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.

Do we have you in the right coverage?

May this blog post/newsletter find you in good health with your Medicare Insurance working properly.  Today’s question: “Do we have you in the right coverage?

Karl Bruns-Kyler helping Medicare clients for The Big 65.

In working with clients all over the country this week, it’s been a great opportunity to sharpen the saw and drill into the differences between plan types: Medicare Advantage and Medicare Supplement.

Man in tall grass as seen by Karl Bruns-Kyler of The Big 65 Medicare Insurance Agency.

From a distance, it’s not always easy to understand the differences between the two types of plans and I often get the question: which type of plan is better?

The simple answer is… it truly depends on how each consumer uses healthcare.

Q and N exploring bamboo as seen by Karl Bruns-Kyler of The Big 65.

Medicare Supplements charge a monthly premium and allow consumers to go to any doctor who takes Medicare (and is willing to see them) and folks don’t have to deal with prior authorization for Medicare approved services. They also don’t receive extra benefits and the premiums typically go up every year.

Adorable critter holding on to a branch.

Medicare Advantage Plans typically have no premiums, offer additional bells and whistles but require you to jump through additional hoops for certain services.

Photo of an orangutan eating an apple as viewed by The Big 65.

As your independent Medicare Insurance Broker, I try to spend most of my time understanding your healthcare preferences and how you prefer to receive healthcare services.

After that, it’s all about education and understanding the pros and the cons of each type of plan and letting YOU make your own choice.

Kids playing in the water and smiling at The Big 65.

That’s the reason for this newsletter, so that we can stay connected to make sure your coverage is working the way it should.

Musician playing a harp for The Big 65.

Of course, nothing works perfectly. Sometimes there are billing errors, other times it’s hard to reach customer service. Life is imperfect at best, but the important thing is you have an additional resource: The Big 65!

Nicholas with a big smile from The Big 65 Medicare insurance agency.

If you are having issues, always call the carrier first.

However, if you speak with the carrier and you are stilling having problems, please reach out to us by email or just book a time on my calendar.

That why I’m here. Medicare call centers (and all those enticing commercials you see on TV) only want you to switch plans. If it’s necessary, we can do that, but usually there’s an easier fix.

Nicholas double-fisted with two drinks.

It sure has been fun to finally have an extended vacation with our Air Force son Nicholas.

Karl Bruns-Kyler and Nicholas working on bucket list together.

We worked on his bucket list one night and I didn’t even try to keep up with him. I guess we were all young once, right?

South Carolina springtime scene_The Big 65 South Carolina

I keep hearing from clients like Claire in South Carolina that spring is on the way so don’t give up hope!

That’s it for this week. Keep squeezing the juice out of life.

And, if you are having Medicare questions or problems, email Gray, Gray@thebig65.com, or just book a time on my calendar.

We are here if you need us.

Let me know what’s going on your life, please send pictures for the newsletter, and remember…

Referrals are the lifeblood of my business!

 

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:

Alabama
Arizona
Colorado
Florida
Georgia
Indiana
Iowa
Kansas
Louisiana
Maryland
Missouri
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Wisconsin

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

What are Medicare Advantage Plans?

After two decades of working with Medicare insurance plans as a Medicare Insurance Broker…

It’s amazing how often people tell me they are frustrated!

If you feel that way, you are not alone.

Today we are going to take the mystery out Advantage plans.

Check out this super short video:

Remember every person’s situation is different. For some, Medicare Advantage plans can be a great solution.

For others, Medicare supplements and their predictable costs may be the answer.

If you like to read, here’s a complete PDF from Medicare on how to understand Advantage plans.

You are also welcome to email your questions to Karl@TheBig65.com or just book a time on my calendar and we’ll get your questions answered.

Let me know how we can help!

Karl Bruns-Kyler is a licensed sales agent with no affiliation to Medicare, CMS or any governmental organization.

The Big 65


The Big 65 Medicare Insurance Services does 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.