The Big 65 Archives

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!

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!

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!

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!

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!

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.

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.

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😂.

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.

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!

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.

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👴😖😂!

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

It’s not just about quantity…

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?

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

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!

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!

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😂.”

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.

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😳😨!

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

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:

🚨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.

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.

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!

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🤣!

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!)

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!)

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!

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🦇🔦!

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💖.

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

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:

The good old days ain’t what they was😮‍💨, neither are the drug plans💊!

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

If you’re having issues with your Part D drug coverage or you haven’t received your cards, and you’ve already called the carrier…

Please email Gray, Gray@TheBig65.com or book a time on my calendar. Drug max out of pockets for 2025 are now $2,000 (down from $8,000 in 2024) but they still are challenging.

Remember the good old days? This week, Q and I have been exploring the mountains of Chiapas, one of the poorest and most beautiful states in Mexico.

Chiapa de Corzo is a small village about an hour from San Cristobal. For the past two hundred years, every January, they celebrate “The Great Feast” in honor of three Catholic saints.

The masked dancers, called Parachios, start in the morning and continue all day. It’s an amazing celebration that connects the community to each other and to their beliefs.

To see something so beautiful makes us yearn for simpler times, for the old days, and yet…

The past isn’t as amazing as we think it was. Our memory typically let’s go of the negative memories and tends to remember the positive.

Nostalgia is Widespread

A 2023 Pew survey found that 60% of Americans believe life was better 50 years ago.
Popular culture fuels this nostalgia, with old songs dominating the music market and movies relying heavily on sequels and reboots.

The Reality: Life Has Improved Dramatically

Material Living Standards: Americans today are wealthier, with bigger homes, more cars, and advanced technology.
Education: High school and college graduation rates are significantly higher than in the past.
Global Advances: Extreme poverty has dropped from over 50% of the global population in 1950 to just 10% today, and life expectancy has increased by nearly 30 years.

Why Do We Yearn for the Past?

Shifting Expectations: Progress raises our standards, making us forget past hardships.
Selective Memory: We tend to forget negative events and idealize the positives of the past.
Loss Aversion: Fear of change makes us cling to the familiar, even when the present is objectively better.
Personal Nostalgia: Often, we’re longing for our younger selves, not the past itself.
While challenges exist, the broader trajectory of human history shows progress in health, wealth, and equality. Remembering how far we’ve come can help us appreciate the present and look forward to the future.
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.

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?

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:

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.

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.

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.

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.

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:

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.

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.

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.

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

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.

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.

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:

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!

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.

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!

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.

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😢🍺.

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.

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.

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.

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.

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.

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.

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

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:

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.

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?

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

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!

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.

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!

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!

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.

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!

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:

The Secret to Happy Holidays!

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

Even though the Annual Election Period ended on the 7th, we’re still busy talking with clients all over. Book a time on my calendar or email Gray, Gray@theBig65.com. If you still have questions, I’ll be working till the 31st🎉.

Plato has been busy too… hounding neighbors like Vickie for treats😂 when we go walking.

We ran into John and Debbie on the trails and it was fun catching up.

Mookie always barks like a maniac when you walk by his yard. But if you stop and say hello, he is the sweetest dog on the planet.

Socializing, even casually, can boost serotonin, the “feel-good” chemical, and oxytocin, the “bonding hormone.” These chemicals help reduce stress and promote feelings of happiness and trust.

I make it a point to always say “hello” to strangers and it makes me feel like I’m walking tall😊.

Engaging in friendly chats can decrease cortisol, the stress hormone. Less stress means a healthier heart, better sleep, and a stronger immune system.

Quantz has joined a flower arranging class and I know she looks forward to it.

Being part of a community—even in a small way—helps combat loneliness. This sense of connection is vital for mental and emotional well-being, especially as we age.

Casual conversations stimulate your brain, keeping you mentally sharp and engaged. When Quantz couldn’t go to her flower class this week, since it was paid for, I went in her place and actually had fun trying something new.

Here are the simple steps to building low stakes friendships:

Be Open to Conversations: Make eye contact, smile, and engage in small talk during daily activities.
Frequent the Same Places: Visit the same coffee shop, park, or community center to create familiarity.
Practice Kindness: Compliments or simple acts of kindness can start a connection.
Join Local Activities: Consider joining clubs, walking groups, or community events to meet new people.

These brief, positive interactions don’t just benefit you; they brighten the day of the other person as well. A kind word or shared laugh can ripple outward, creating a chain of good feelings in your community.

As we navigate the holiday season, low-stakes friendships remind us that a connection doesn’t always have to be deep to be meaningful. I challenge you to reach out and make a connection with someone new this week. Report your connection and we’ll send you honey🐝. Q is still filling bottles.

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:

Let’s keep moving people🚶‍♂️👨‍🦼🏃‍♀️!

Greetings and may this blog find you in amazing health with your Medicare insurance coverage 🏥 working properly and the holidays 🎅🕎🕯️coming round the corner fast!

Thank goodness the Annual Election Period ended last Saturday🎉 . It was a pleasure catching up with so many people all over the country.

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.

Book a time on my calendar or email Gray, Gray@theBig65.com for after the 1st. Plato is happy for the extra attention and his own Advent calendar!

Here’s how I felt after the Election Period ended 😊😌, happy and grateful for so many amazing clients.

Norman just turned 92, the dad of one my college friends I follow on Facebook. This guy is still active and engaged. I’m guessing the reason why is he never stops moving.

Regular movement is one of the most powerful ways to enhance your health and extend your life. Here’s why:

Exercise strengthens your heart, improves circulation, and lowers blood pressure, reducing the risk of heart disease.

Mary in Tennessee belongs to group of Contra Dancers, a style of folk dancing that builds and is fun.

Regular movement helps prevent conditions like diabetes, obesity, and arthritis.

It doesn’t have to be fancy. My father-in-law, Tom, walks every morning. Our Airman Nicholas visited his grandfather before he returned overseas and reported “Pops” to be in great health.

Physical activity promotes neurogenesis (growth of new brain cells) and reduces the risk of cognitive decline. My buddy Steve just returned from climbing glaciers in Ecuador. That’s a bit more than I’m willing to do but the point is clear:

Keep trying new things. Keep challenging yourself.

Exercise stimulates the release of endorphins, improving mood and combating stress or depression. After the Election Period ended, Plato and I spent an afternoon in the mountains exploring. It was just great to be outside!

Studies show that people who are regularly active live longer and healthier lives. Make movement a habit—whether it’s walking, yoga, working in the yard, or just climbing steps, every step counts toward a healthier, longer life!

Of course there’s nothing wrong with relaxation either. Here’s to quality time with the ones you love!

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: