Bee Careful About Medicare Marketers

Medicare Advertising Under Scrutiny:  Bee Careful

An article in the Wall Street Journal recently caught my attention with this headline:

Celebrity Medicare Sales Pitches Are Toned Down After Scrutiny

Although Medicare advertising is under scrutiny, we are finally beginning to see a clamp down on some of the hyper-annoying and misleading advertising.  BUT – Medicare beneficiaries will continue to receive unsolicited and relentless phone calls, especially as we approach the Medicare Annual Enrollment Period (AEP for short).

The antidote?  SKIP the calls and MUTE the commercials.

Medicare advertising under scrutiny

I’ve created a new celebrity and his name is Big Head Ted (from Q’s garden).  This is what Big Head Ted says about some of the celebrity Medicare advertising going on now:

“The Medicare ads from my fellow celebrities are designed to scare you into believing that you are missing out (FOMO) on all kinds of benefits.  But here’s the rub:  most of the huge benefits that are advertised are only available to people in the absolute lowest income levels.  Where I come from, they call it the old BAIT and SWITCH.”

Now we see why Medicare marketing is under scrutiny.

Of course, it’s important to review your coverage!  And starting in October, AFTER you receive your Annual Notice of Changes from your carrier, we will dig in and make sure you have what you need. “And that’s a promise” says Big Head Ted.

Life Can Be Beautiful, Wherever You Are

Color photo of South Caroline sunset

Q took this picture while visiting her parents in South Carolina. Yes, Colorado is beautiful, but the sunrises and marshes of the Low Country are beautiful.

Photo of Red Rocks in Colorado

Colorado may lack water, but let’s not forget Red Rocks, one of America’s greatest outdoor amphitheaters, built by the Civilian Conservation Corps during the Great Depression.  The Red Rocks amphitheater has incredible acoustics surrounded by jaw dropping beauty.

Photo of Robert Plant and Alison Krauss performing at Red Rocks in Colorado but not singing about Medicare advertising under scrutiny..

I never saw Led Zeppelin as a youth, but while Q was away, I did go see Robert Plant and Alison Krauss perform under the stars at Red Rocks. It was one of the best concerts of my life.

Hey, that’s what Quantz gets for abandoning me, right ….?

Yes, Medicare advertising is under scrutiny. But there is much beauty in the world, too.  

Well, that’s all for this week.

Please remember to send your friends and family my way if they need help with Medicare. Referrals and happy clients are the lifeblood of our business!

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

The Big 65 and Karl Bruns-Kyler are based in Highlands Ranch, Colorado.  Karl provides Medicare insurance services to the Front Range region of Colorado, including Denver, Highlands Ranch, Littleton, Boulder, Centennial, Colorado Springs, Lone Tree, Greenwood Village and throughout Colorado.

Karl is also licensed in seventeen additional states to help with Medicare insurance.  Those additional states include Alabama, Arizona, Florida, Georgia, Indiana, Kansas, Louisiana, Maryland, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin.

Karl Bruns-Kyler is a Private Insurance Broker, a Certified Senior Advisor, CSA,­ with no affiliation to Medicare, CMS or any governmental organization.

Highlands Ranch Senior Center Groundbreaking

Highlands Ranch will soon break ground on a new senior center for residents over 55 and their families. This is exciting news for Highlands Ranch!

Highlands Ranch Senior Center rendering

The new senior community center will offer a much-needed antidote to the rising tide of loneliness, especially among older adults.

The 20,000 square foot community center will be built next to Mountainview Christian Church on Highlands Ranch Parkway and will offer a wide variety of opportunities for socializing, lifelong learning, meeting new people, and staying active.

Among the activities planned include fitness classes, potluck dinners, indoor and outdoor games, conversational groups, special interest clubs, events, card games, BINGO, cooking classes, movies, tastings, book clubs, author events, travelogues, pickle ball lessons and leagues, bocce ball, recreational opportunities, and many more social activities.

In addition to a wellness and fitness center, the new facility will include meeting rooms and a large kitchen. Part of the facility will also be used for adult financial programs and other assistance for seniors.

Highlands Ranch Senior Center
Highlands Ranch Senior Center (Rendering from Highlands Ranch Metro District)

A groundbreaking ceremony for the future Highlands Ranch Senior Center is scheduled for Monday, September 19th and will take place from 2:30-3:30 pm in the parking lot of Mountainview Christian Church, located at 40 East Highlands Ranch Parkway, Highlands Ranch, Colorado.

The groundbreaking event will include light refreshments, giveaways, photo keepsakes, and a short program.

The new Highlands Ranch Senior Center is expected to open in 2023.  More info can be found at

Karl Bruns-Kyler headshotKarl Bruns-Kyler is the owner of The Big 65, an insurance company that provides Medicare insurance services to Colorado. The Big 65 is based in Highlands Ranch where Karl lives with his family. Karl’s role as a health insurance broker is to match Medicare beneficiaries with the right Medicare plan at the lowest price.  For more information, visit

Medicare Insurance and Credit Card Fraud

Credit Card Fraud and Medicare

In talking with other Medicare Insurance Brokers near me, you’d be surprised how many consumers on Medicare Insurance Plans do not pay enough attention to their credit card information.  Credit card fraud and Medicare are two things I know something about.

Last week I received a new Capital One Debit Card.

The problem?

I didn’t open the account :(.

Apparently, someone with my social security number and a burner phone opened the account on my behalf.

That means they have all my information.

The good news is I was able to cancel the card. If I had opened the account, and deposited money, chances are the scammers would have drained it later.

Credit card fraud is a form of identity theft.  When an unauthorized individual steals another person’s credit card information and uses that information to make purchases or remove funds, this is against the law.  Interestingly, Federal law limits a cardholders’ liability to $50.  That is, if there is credit card theft.  However, many banks will waive this amount IF the owner of the credit card is willing to sign an affidavit explaining the details of the theft.

We can protect ourselves from credit card fraud and identity theft by doing a couple of things now.  Find a card with $0 liability protection.  Sign up for transaction alerts on your current credit cards.  Keep an eye on your credit card information.   And consider adding a credit protection service.  These credit monitoring services can help protect you against credit card theft and put your mind at ease.

Photo of two credit cards.

Credit card fraud and Medicare:  Be careful out there.

And if you have questions about Medicare Insurance, visit


Coffee Ain’t Bad

May this note find you in good health with your Medicare Insurance working properly.

It’s rare to hear good news about things we do actually being good for you but…

A recent New York Times article describes the benefits that coffee can provide, possibly reducing your risk of sudden death by almost 30 percent if you drink 2-3 cups a day.

Cup of coffee photograph

Of course beware if you are able to handle the caffeine :).

The health benefits of coffee include a lower risk of type 2 Diabetes, a lower risk of depression, and improved Liver health.  But there’s more …

One study that involved 1,567 people, had some interesting results:  Researchers found that drinking caffeinated coffee offered positive results.  In fact, the study showed that the coffee drinking participants had a lower risk of death after 18 years of follow-up.  That’s impressive.  The researchers also found that drinking one cup of coffee per day (at a minimum) was also associated with a lower risk of death from cancer.

The health benefits of coffee don’t stop there.   Researchers are finding that additional health benefits of coffee include a reduced risk of developing:  Parkinson’s disease, melanoma, prostate cancer, and more.

Moderate coffee consumption was studies in the Nurses’ Health Study which evaluated 83,700 nurses’ diets.  The study found that drinking coffee was associated with several health benefits, including a decreased risk of stroke in women.

An interesting study conducted by the Journal of the International Society of Sports Nutrition found that caffeine can lead to increased fat oxidation.  This is encouraging news for athletes and non-athletes, alike.

The take-away from all of this:  COFFEE AIN’T BAD.

And if you have questions about Medicare Insurance, book a time on my calendar here.  Or find out more at