The Big 65 Texas

Texas Medicare Insurance Broker

Thank you for visiting The Big 65 Texas website. My name is Karl Bruns-Kyler and I’m an independent Texas licensed Medicare insurance broker and independent insurance agent. I have no affiliation with Medicare or the state of Texas. 

For over 20 years I’ve been helping people with Medicare coverage and I’ve gotten pretty good at it. Many things have changed these past two decades in Texas. One thing, however, hasn’t changed: 

MEDICARE  IS  COMPLICATED!

As an independent Texas licensed Medicare insurance broker, my job is to un-complicate Medicare by doing the following:

ONE … HELP you identify and choose the appropriate Medicare coverage option that fits your healthcare needs.

TWO … FIND the Medicare coverage plan that fits your healthcare needs with the lowest costs.

THREE … PROVIDE you with personalized, one-on-one service each and every year to make sure your current Medicare Plan is meeting your ongoing healthcare needs.

FOUR … KEEP you alerted to changes in Medicare and the overall landscape of healthcare for people 65 years of age and older and those younger than 65 on Social Security Disability Insurance (SSDI).

THERE IS NEVER A FEE FOR MY SERVICES. (Which means your insurance premiums are the same whether you work through me or work directly with the insurance company. The benefit you receive is independent expertise from a trust source.)

Again, thank you for visiting my website.  It would be my privilege to help you with your Medicare coverage.  

Karl Bruns-Kyler
Medicare Insurance Broker and Independent Medicare Agent

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MY PROMISE: As your independent Texas licensed Medicare insurance broker, I will ALWAYS act in your best interest. I will be your advocate with the Medicare insurance carrier you choose. And I will be here to help today, tomorrow, and every year you are enrolled in Medicare. That’s a promise.

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YES, I would like to have a Texas licensed independent insurance agent call or email me about Medicare Advantage Plans, Medicare Part D Prescription Drug Plans and/or Medicare Supplement Insurance.

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Karl Bruns-Kyler is pleased to provide insurance services to Medicare recipients throughout Texas. Karl is licensed to provide Medicare insurance services to every Medicare-eligible person in Texas, including residents located in Archer City, Austin, Brookshire, Brownsville, Boulevard Oaks, College Station, Easton, El Paso, Laredo, Fort Worth, Fulshear, Henderson, Leander, New Braunfels, Irving, Jarrell, Katy, Lubbock, Pearland, Round Rock, Texarkana, Tyler, Waco, Watauga, Woodville, and across the Texas Panhandle.

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Karl Bruns-Kyler is a licensed independent Medicare insurance broker and independent insurance agent in thirty-one states around the country. In addition to serving Texas, Karl provides Medicare insurance services to the following states: AL, AZ, AR, CA, CO, CT, FL, GA, ID, IN, IA, KS, KY, LA, MD, MI, MN, MO, MT, NV, NH, NJ, NY, NC, OH, OK, PA, SC, TN, TX, VA, WA, WI.  Additional states will be added as Medicare insurance needs increase in those areas.

FAQs

1. What Medicare Advantage Plans are available in major Texas cities like Austin and Houston?
   Texas metro areas offer a wide range of Advantage Plans with added benefits like dental, vision, and OTC credits. Karl compares plans by ZIP code to find the right fit.

2. How does Medicare coverage work for Texans living in rural areas or the Panhandle?
   Rural counties may have limited plan options or fewer in-network providers. Karl helps Texans in remote areas find PPO or Medigap plans that ensure broader access.

3. Can Texans on SSDI under 65 qualify for Medicare Supplement plans?
   Yes, after 24 months on SSDI, you’re eligible for Medicare. Availability of Medigap for under-65 enrollees in Texas varies, and Karl helps you explore every option.

4. Do Medicare drug plans in Texas cover insulin or diabetes supplies affordably?
   Some Part D plans and Advantage Plans in Texas now cap insulin costs. Karl helps you find plans that offer the best value for diabetes medications and supplies.

5. What do I need to know before changing Medicare plans during Open Enrollment in Texas?
   Texas plans update yearly with new premiums, networks, and drug lists. Karl provides personalized reviews to ensure your updated coverage still meets your needs.