Independent Medicare help · Moab, UT
Medicare made simple.
We educate and guide you through every step of the process to help you enroll in a Medicare plan that best fits your needs. Insurance companies pay our fee — so you pay nothing for our services.
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.
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 best possible price.
Coverage
Medicare products we offer
Medicare Advantage
Medicare Supplement (Medigap)
Part D Prescription Drug Plans
Dental, Vision & Hearing
Hospital Indemnity
Life & Final Expense
Benefit from decades of experience
Your personal Medicare & insurance consultant
Brian Penner brings a unique and broad understanding of Medicare and other senior coverages — and the patience to make sure you understand every option before you decide.
Meet Brian Penner →Resources
Latest Medicare guidance
Medicare IRMAA in 2026: A Grand Junction Income Guide
If your income is above $109,000 (single) or $218,000 (joint), Medicare adds an IRMAA surcharge to your Part B and Part D premiums in 2026 — based on your 2024 tax return. A plain-English Grand Junction guide: the full income brackets, why a two-year-old return sets your premium, the standard $202.90 Part B cost, and how to appeal with form SSA-44 — with free local help from Brian Penner.
Read →
The Part B Late Penalty in 2026: A Grand Junction Guide
Miss your Medicare Part B window and the penalty is 10% of the premium for every year you delayed — added for life. A plain-English 2026 Mesa County guide: how the penalty is figured, the $202.90 premium, the separate Part D drug penalty, and the working-past-65 exception that spares many people — with free local help from Brian Penner.
Read →
Medicare + Medicaid in 2026: A Monticello, UT D-SNP Guide
If you have both Medicare and Medicaid in San Juan County, a Dual Eligible Special Needs Plan (D-SNP) may lower your costs in 2026. A plain-English Monticello guide: dual eligibility, the QMB program that can pay your $202.90 Part B premium, automatic Extra Help (no more than $12.65 per covered drug), the monthly switch window, and real CDC county health data — with free local help 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.
Let’s connect
Get your free, personalized Medicare roadmap from a local advisor who has your back.