Independent Medicare help
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 advisor who picks up the phone — not a 1-800 call center.
When you call, you reach Brian Penner himself — an independent, licensed Medicare advisor with more than 22 years in Medicare. He takes the time to make sure you understand every option before you decide, and it is the 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
Is There a 5-Star Medicare Advantage Plan in Utah for 2027?
One, and it is a nursing-home plan. CMS published the 2027 Star Ratings on October 8, 2026, and the only 5-star contract with a Utah plan is UnitedHealthcare's H0710, whose single plan here is UHC Nursing Home Plan UT-F001, a PPO I-SNP sold in Salt Lake, Davis, Weber, Utah and Box Elder counties to people living in a long-term care facility for 90 days or more. For plans anyone can join the ceiling is 4.5 stars: Regence (up from 3.5), UnitedHealthcare's PPOs and Humana's PPOs. Every Salt Lake County general plan with its 2027 rating beside last year's and September enrollment (7 at 4.5, 11 at 4, one 3.5, three too new), the six contracts that moved, the ratings behind the five discontinued Salt Lake plans, what the 5-star Special Enrollment Period means when the only 5-star plan is for facility residents, and the 4.5 / 4 split in nine other Utah counties.
Read →
Will Selling My House Raise My Medicare Premiums in 2026?
Only if the taxable gain pushes your income past $109,000 single or $218,000 joint, and most Mesa County couples never get there: IRS Topic 701 excludes up to $250,000 of gain on a main home, or $500,000 on a joint return, and excluded gain never reaches the income Medicare looks at. A Grand Junction house bought in 1995 is worth about 4.85 times its price on the FHFA index, so the worked example matters: the same $580,000 sale costs a couple $0 in IRMAA and a widow selling three years after her husband's death $6,355.20 for one year, because her exclusion and her IRMAA lines both halved. The Publication 523 gain worksheet, the surviving spouse's two-year window to keep $500,000, why the bill lands two years later and leaves on its own, why you cannot appeal a sale you chose, the 2026 tiers, and six things to do before you list.
Read →
Sharp Direct Advantage Ends Dec 31: Book Your 2027 Review Now
Sharp Direct Advantage Gold, Platinum, VIP and VIP Plus stop paying claims on December 31, 2026, and the enrollment window for a January 1 start is October 15 to December 7. The review does not have to wait for the window: doctors, medical group and prescriptions can be checked against the 2027 San Diego County plans now, so the enrollment is a short call once it opens and the confirmation letter arrives weeks before the deadline. Why booking in October beats booking in the AEP crowd, the three doors in one paragraph each (the UnitedHealthcare Sharp-network plans and Blue Shield's new HMOs, Medigap with no health questions November 1 to March 4, Original Medicare with a drug plan only), what happens on the call, the nine dates that matter, and a call-now button for the 19,697 Sharp Health Plan members in the county. No slot counts, no wait times; the urgency is the calendar.
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).