This might keep you out of the ER!

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

The fourth of July is behind us now and we are cruising into full summer. We had a great time eating with neighbors and watching the little ones play hard.

This might keep you out of the ER ….!

Plato admiring orange flowers in Colorado senior market.

Plato had a little too much fun on the fourth, he grabbed the grease drip off the BBQ and went rogue … Pig emoji.

It took an hour of scrubbing to get all the grease off his face. Live and learn, right?

Karl Bruns-Kyler of The Big 65 holding bowls of vegetables in each hand.

Plato didn’t get sick, thank goodness, but his escapade did remind me of an article I wanted to share: “5 Things I’d Never Do As Urgent Care Doctor This Summer,” from

Flo standing in the kitchen in Colorado.

The article lists five absolute must NOTS to avoid in the summer:

Quantz in Colorado.

1. Don’t dive headfirst without knowing the water depth.

2. Don’t ride without a helmet.

Karl holding a schmore in Colorado.

3. Don’t walk in the woods without long pants tucked in and tick protection.

4. Don’t play with firecrackers.

5. Don’t eat food that’s been sitting out too long in the sun or that has been undercooked.

Sus rock climbing in Colorado.

For our rock-climbing daughter, Sus, I’d also add, “don’t tell your dad when you’re climbing.”

She’s an engineer and super methodical but I still prefer to remember the words from Hogan’s Heroes:
Hogan's Heroes meme.

The bottom line, there’s enough risk in our lives already, being aware of these simple things to avoid will increase your chances of staying out of the ER.

Group of people gathered for high school reunion in Loveland, Colorado.

Quantz had her high school reunion last weekend up in Loveland, and everybody seemed to have a great time, the weather was lovely.

Q and friends in Colorado.

Isn’t it funny how important we thought the small stuff was back in the day?

Now we’re just happy when our backs don’t hurt and our kids are doing okay Smile emoji..

Adrienne and Winston in Colorado.

Thanks to Adrienne for sending this picture of Winston, he’s all grown up and looks great, like a mini Plato (but probably better trained Smile emoji.)

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,

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

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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 or 1-800-MEDICARE to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at

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

New Hampshire
New Jersey
New York
North Carolina
South Carolina

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 or 1-800-MEDICARE to get information on all your options.

The Big 65 Medicare insurance services red white and blue logo.

How To Age In Place


Hi this is Karl with The Big 65 Medicare Insurance Services and I hope you’re having a great week.

If you live long enough you’re going to get older.

And if you get older, it’s important to have a plan put together to be able to age in place.

Are you living in a house where you can live out the rest of your life safely?

Almost everyone hopes to live out their life as independently in their own home.

Very few take the actions necessary in advance to achieve this goal.

As a result, many people lose the ability to live at home when a preventable accident occurs.

Take proactive steps so you can take so that you can live in your home as long as possible.

Install shower bars proactively.

Put in slip resistant services.

Here is a link with ideas on how to make sure your house is set up for you to age in place.

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

How To Age Well

“Getting old ain’t for sissies,” that’s what my neighbor used to say.

The good news is there are many small things we can do daily to slow down the aging process.

Keep moving. Seven thousand steps or about 30 minutes of daily exercise seems to essential to staying healthy and aging well. A little bit of exercise daily goes a long way, we don’t need to go crazy working out.

Engage with others. Saying hello to others we encounter during daily errands or reconnecting with friends and family can provide a huge boost to our mental health and help us to enjoy life and to live longer.

Use your brain. Read books, listen to podcasts, do puzzles, try out a new recipe for jalapeno cornbread. Changing your routine and doing new things will improve your cognitive functioning and it could slow down the aging process.

Here’s an article with ideas on how to slow down the aging process.

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

Attention Medicare Consumers!

As a Medicare Insurance Consumer, beware of big promises from Captain Kirk, Joe Namath, Joe Montana, JJ and all the others.

Big corporate call centers often promise the moon but once you sign up, you’ll rarely if ever talk to the same person again, you’ll be handed off to the dreaded “customer retention center.”

As the joke goes, when a customer calls in to these places to find out why things aren’t working:

Before you were a prospect, now you are customer!

With the Big 65 Medicare Insurance, you have a single point of contact, Karl Bruns-Kyler.

As broker working with all the different Medicare Insurance Plans, we don’t switch clients unless there is a reason.

And if you have a problem with the carrier and they won’t fix it, I’m here help, and we will make things right.

So if you want an agent who will be with you for life, book a time on my calendar here.

Do I Need To Review My Medicare Insurance Coverage?

I hope you are having a great week as the weather starts to turn cooler :).

The Medicare Annual Election Period begins in October.

In September, your current carrier should be sending you a copy of the Annual Notice of Changes.

Here, you will be able to read how your plan will be changing for 2022.

If you are not happy with the changes, or you are just unsure if your Medicare Insurance plan is still appropriate for you…

Book a time on my calendar here

Here is a link to the Medicare & You 2022 Handbook

Can you see the Medicare Stars?

Hello, this is Karl Bruns-Kyler with the Big 65 Medicare Insurance Services and I hope you’re having a great week.

My wife Quantz and I are currently in Vienna and it is one of the most beautiful cities in Europe.

Today I want to talk about the importance of medical ratings for providers.

Whether you are receiving home health care, or you have a family member in a long-term care facility, or you would simply like to know the ratings of the hospital where you are going to receive an outpatient procedure, you have options.

I am attaching a link to the website where you can find the ratings for hospitals, home healthcare providers, long-term care facilities and medical service providers.

If the ratings for a provider is lower than 3 or 3.5 stars, you may want to consider other providers.

Ratings can change monthly so do your homework. Here is the link:

Find and Compare Nursing Homes, Hospitals and Other Providers Near You

The Annual Election Period begins in October.

If your medication’s have changed, if your doctors have changed, or if you’re hearing a lot about new plans and you’re just curious, book a time on my calendar pull out and I’ll be happy to review your options.

Book a time on my calendar here and we’ll talk soon.

Do You Have Mental Flexibility?

Hi, this is Karl with the Big 65 Medicare Insurance Services and I hope you’re having a great week.

My wife and I are in Iceland climbing a glacier near Reykjavik and today I want to talk about the importance of mental flexibility.

You know, it’s so easy to get lost in our heads when things go wrong for us.

This week, we were waiting for a tour to start, we went to the meeting place, we sat there for two hours and waited and stewed in our own anger.

Then we realized there was nothing we could do about it and how LUCKY we were to be here at all.

So remember, when you find yourself starting to get cranky, reframe and remember the good things that are going on, because there’s always something good!

Here’s a great article.

That’s it for this week, if you have questions about Medicare, book a time on my calendar here.