Medicare · Social Security timing · Long-term care · Moab, Monticello & Grand Junction
More than just Medicare.
Medicare is where we start — not where we stop. We help you compare and enroll in the right plan, understand how Social Security and Medicare timing fit together, and plan for long-term care — all coordinated with your financial advisor. Insurance companies pay our fee — so you pay nothing for our services.
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 ReviewWhat'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.
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
How Many Physical Therapy Sessions Does Medicare Cover?
As many as you medically need — the number people are told does not exist. Section 50202 of the Bipartisan Budget Act of 2018 repealed the Medicare outpatient therapy caps outright, and coverage has turned on medical necessity and documentation ever since. What the law kept was the old cap amount, repurposed as a paperwork line: for 2026 that is $2,480 for physical therapy and speech-language pathology combined, with a separate $2,480 for occupational therapy. Cross it and your therapist adds a KX modifier attesting the care is still reasonable and necessary; claims above the line without it are denied, which is why clinics tell people they have used up their visits. A second line, $3,000, marks where a claim may be selected for targeted medical review — may, not will, and it has not moved since 2018. The exposure nobody mentions is the one that has no line at all: Part B pays 80% after the $283 deductible, with no annual out-of-pocket maximum, so a course of therapy that reaches the threshold has already cost about $496 in coinsurance and the meter keeps running. Plus the version that costs nothing (home health, if you are homebound), the telehealth authority Congress extended through December 31, 2027, and what changes when a Utah Advantage plan with a $3,500 to $9,250 ceiling is doing the approving. Education, not advice, from Brian Penner.
Read →
Does Medicare Cover Colonoscopy and Polyp Removal in 2026?
Yes — and the bill, when there is one, comes from what the doctor finds. A screening colonoscopy is one of the few Part B services carved out of the deductible entirely: no $283 deductible, no coinsurance, nothing, as long as the doctor accepts assignment and the procedure stays a screening. Remove a polyp or take a biopsy and it legally becomes a therapeutic service. Before 2022 that flipped you to the full 20%, which meant the people whose screenings worked as intended were the only ones who got a bill. Section 122 of the Consolidated Appropriations Act, 2021 phased that down: 15% for dates of service in 2023 through 2026, 10% for 2027 through 2029, and zero starting in 2030 — with the deductible still waived. Three more things worth knowing before you schedule. The frequency clock runs in months, not years: at least 119 months apart if you are not high risk, 23 if you are, and going early is a denial rather than a discount. Since 2023 the colonoscopy that follows a positive at-home stool test counts as part of the screening, and since January 2025 the same protection covers blood-based tests. And the sedation is free too — CMS waives both coinsurance and deductible on anesthesia furnished with a screening. Education, not advice, from Brian Penner.
Read →
How Do I Switch Back to Original Medicare in Utah?
Nothing locks you into a Medicare Advantage plan — you get two windows a year, October 15 to December 7 (effective January 1) and January 1 to March 31 (one change, effective the first of the next month). Leaving is the easy half. Two things on the other side need planning first. Your drug coverage does not follow you: most Utah plans are MA-PD, so dropping the plan leaves you with no Part D at all until you join a stand-alone drug plan, and 63 days without creditable coverage starts a permanent penalty of 1% of the $38.99 national base premium per uncovered month. And Original Medicare has no annual out-of-pocket maximum, which makes a Medicare Supplement the natural partner — except Utah lets insurers medically underwrite those applications outside a protected window. Utah's Medigap birthday rule does not rescue you here: it moves someone who already holds a policy to an equal-or-lesser plan with their current carrier, and you have neither. Neither does the 5-star Special Enrollment Period — across all 28 Utah counties the highest overall rating available for 2026 is 4.5. Apply for the supplement first, disenroll second. Education, not advice, from Brian Penner.
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).