Independent Medicare help · Moab, Monticello & Grand Junction
More than just Medicare.
Straight answers on Medicare Advantage, Medigap and Part D — plus Social Security timing and long-term care — from an independent, licensed local advisor. No pressure, and no cost to you — insurance companies pay our fee.
What's your ZIP code?
We start local — plan availability is set by your county.
How old are you?
This tells us which coverage window you're in.
Which best describes you?
Pick one — you can change this anytime.
How often do you see doctors?
Helps us weigh networks vs. freedom.
Do you take prescriptions?
We match your drugs to the lowest-cost plan.
No cost, no pressure. We do not offer every plan available in your area — for all options visit Medicare.gov or call 1-800-MEDICARE.
One plan, not three errands
Medicare, Social Security & long-term care — planned together
These three decisions are connected: your income shapes your Medicare premiums, your claiming age shapes your income, and a long-term care event can undo both. We help you look at the whole picture.
Medicare
Advantage, Supplement (Medigap) and Part D — compared for your doctors, prescriptions and budget, enrolled on time, and reviewed every fall.
Explore Medicare plans →Social Security Planning
When you claim can mean tens of thousands of dollars of difference over a retirement. Meet with us and get a personalized Social Security analysis — your claiming windows, your Medicare premiums (IRMAA), and your retirement income, mapped together.
Get a Social Security analysis →Long-Term Care Planning
Medicare generally doesn't pay for long-term custodial care — and paying out of pocket can drain a lifetime of savings. We build a long-term care analysis around your assets, then walk through traditional and hybrid coverage that protects what you've built.
Get a long-term care analysis →Want all three looked at in one sitting? Book a private, no-cost Retirement & IRMAA Review — 45 minutes, one-on-one with Brian Penner.
Book a Retirement & IRMAA Review
Meet your advisor
A real local advisor — not a 1-800 call center.
When you call, you reach Brian Penner — an independent, licensed Medicare advisor with offices in Moab, Monticello and Grand Junction who takes the time to make sure you understand every option before you decide. Same person every year at renewal, with your best interest first.
How we help
Everything you need, handled with care
Navigate Medicare “red tape”
Parts A, B, C and D, deadlines and paperwork — we translate it all into plain English and handle the legwork.
Understand all your options
Advantage, Supplement (Medigap) and Part D, compared side by side so you can choose with confidence.
Avoid lifetime “gotcha” penalties
Miss a window and you can pay more for the rest of your life. We make sure you enroll on time, every time.
A custom plan for lifetime care
We match coverage to your doctors, prescriptions and budget — and review it every year as your needs change.
All at no cost to you.
How it works
Get the right Medicare plan in 3 steps
Schedule a free conversation
Tell us your doctors, prescriptions and budget. No cost, no pressure — ever.
Get a personal plan comparison
We compare the Medicare Advantage, Medigap and Part D plans we offer against your needs.
Enroll & get ongoing support
We handle enrollment and stay your local advisor for claims, appeals and annual reviews.
Our services
Explore services, plans & options
Medicare Enrollment Assistance
Turning 65 or new to Medicare — we guide every step of your Initial Enrollment.
Plan Comparison
Advantage vs. Supplement vs. Part D, compared for your exact situation.
Annual Coverage Review
Plans change yearly. We check yours every fall so you never overpay.
Social Security & Medicare Timing
Your claiming age and your enrollment window are two different clocks — we map both around your full retirement age.
Long-Term Care Planning
Medicare doesn't pay for most long-term care. We help you plan for that risk before it drains a lifetime of savings.
Retirement Income & IRMAA Awareness
Your income sets your Medicare premiums. We flag IRMAA thresholds and coordinate with your financial advisor.
Claims Support & Appeals
A real, local advocate for when something goes wrong.
Keep Your Doctor
We help confirm your providers and prescriptions are covered before you switch.
Drug Cost Review
Make sure your prescriptions are covered at the lowest total cost among the plans we offer.
Local health picture · CDC county data
Why plan fit matters in Mesa County, CO
The right Medicare plan depends on your health — and conditions like these are common among adults in Mesa County, CO. It's why we check each plan's drug formulary and specialist network against your doctors and prescriptions before you enroll, instead of comparing headline premiums alone.
Share of adults with each condition (crude prevalence). Source: CDC PLACES county estimates, 2025 release — also available for every Utah, Colorado & Arizona county as machine-readable JSON. Education only, not medical advice.
Benefit from decades of experience
Your personal Medicare & insurance consultant
Brian Penner brings a broad understanding of Medicare, Social Security timing, and long-term care planning — and the patience to make sure you understand every option before you decide.
Meet Brian Penner →For financial advisors, CPAs & attorneys
The Medicare desk for your clients
Your clients' Medicare decisions sit inside your financial plan — IRMAA brackets, Roth-conversion timing, HSA wind-downs, turning-65 windows. We handle the Medicare and long-term care side, keep you in the loop, and never touch the investments — at no cost to you or the client.
How the advisor partnership works →Resources
Latest Medicare guidance
Medicare Advantage Plans for Diabetics in Utah for 2027
Five chronic-condition Special Needs Plans (C-SNPs) in Utah for 2027, up from three, all $0 premium in the CMS file: UHC Complete Care UT-6 in 25 counties (17,156 Utah members in September), three Devoted Health PPOs now in eleven counties, and Humana's new Diabetes and Heart PPO in Davis, Salt Lake, Utah and Weber. Every one serves the same three conditions — diabetes, chronic heart failure and cardiovascular disorders — and the rule that lets you join (42 CFR § 422.62(b)(13)) has no closing date, which makes it the one Medicare Advantage door still open to a member of a discontinued plan after February 28. County-by-county counts, caps $5,500 to $9,850, the Salt Lake SNP shelf 17 → 18, how the plan verifies a diagnosis, and where this door sits beside a general plan and Medigap.
Read →
What If I Do Nothing When Sharp Direct Advantage Ends?
January 1, 2027 you are in Original Medicare — automatically, and alone. Medicare.gov: "You'll be enrolled in Original Medicare if you don't join another Medicare Advantage Plan before your current plan ends." Nothing moves you to the UnitedHealthcare plans with Sharp in the name. The $2,900 cap is gone (Original Medicare has "no yearly limit"), the drug coverage ends with the plan, and the 63-day Part D clock starts. December 31 versus January 1 line by line with Medicare.gov's 2026 figures, California's ten 2027 stand-alone drug plans ($5.30 to $252.60), the penalty arithmetic at the 2027 base of $41.33, the three windows still open (December 7, the December 8 – February 28 SEP with its month-by-month start dates, Medigap to March 4), why the January–March open enrollment period is not one of them, and the few people for whom doing nothing is the right answer.
Read →
How Long Do I Have If My Medicare Advantage Plan Ends in Utah?
Three clocks, not one. For a January 1 start, enroll by December 31: the Annual Enrollment Period runs October 15 – December 7, and CMS's 2027 guidance gives a December 8 – 31 request under the non-renewal Special Enrollment Period a January 1 effective date. That Special Enrollment Period runs to February 28, but a January pick starts February 1 and a February pick starts March 1, each a month in Original Medicare with no drug plan and no cap. Medigap with no health questions runs November 1, 2026 – March 4, 2027. The week-by-week calendar for a Salt Lake member of HealthSpring, Select Health + Kroger, Humana Value Choice or Regence Valiance, why the 59-day gap cannot trigger the Part D penalty by itself, what January 1 looks like if you do nothing, and why Utah's birthday rule is not a door out of an Advantage plan.
Read →Got questions?
We have lots of great answers
What if I’m already on Medicare?
We can still help — at no cost. We’ll review your current coverage, check that your doctors and prescriptions are covered, and compare it against the plans we offer to see if you could be paying less or getting more.
Do you charge for your time?
No. Insurance companies pay our fee, so you don’t pay a thing for our services. You get unbiased, local guidance at no cost to you.
What are “lifetime penalties”?
If you don’t enroll in Medicare Part B or Part D when you’re first eligible (and don’t have other qualifying coverage), you can owe a permanent late-enrollment penalty added to your premium for as long as you have Medicare. We make sure you enroll in the right window so you avoid them.
Is it true I could lose my doctor?
Some Medicare Advantage plans use provider networks, so the wrong plan could mean your doctor is out of network. Before you enroll, we confirm your physicians and prescriptions are covered by the plan you choose.
What about additional coverages?
Beyond core Medicare, we can help with dental, vision and hearing, hospital indemnity, and life or final-expense coverage — so the gaps Medicare leaves are covered too.
Do you only help with Medicare?
Medicare is our focus, but it's not where we stop. We also help with Social Security and Medicare timing education, long-term care planning, life and final-expense coverage, and annuities — coordinated with your financial advisor, CPA, or attorney so your healthcare and your retirement plan work together instead of in separate silos.
Let’s connect
Get your free, personalized Medicare roadmap from a local advisor who has your back.
Official Medicare sources
Verify current-year figures with the federal sources: Medicare.gov, Medicare Plan Compare, Social Security (ssa.gov), and CMS.gov. Education only — we do not offer every plan available in your area.
Last updated . Maintained by the Medicare On Main Data Desk · reviewed by Brian Penner, Independent Medicare advisor (NPN 16493717).