Independent Medicare help · Grand Junction, CO
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
Working Past 65 in Moab: Do You Need Medicare in 2026?
Still working at 65? Whether you can delay Medicare hinges on one question — does your employer have 20 or more employees? In a small-business town like Moab, the answer is often no, and that makes Medicare your primary coverage at 65 whether you enroll or not. The 20-employee rule, the HSA trap, the COBRA myth, and your 8-month window — with 2026 CMS figures and free local help from Brian Penner.
Read →
Medicare Enrollment Periods in 2026: A Monticello Guide
IEP, SEP, GEP, AEP — Medicare's alphabet of deadlines decides when your coverage starts and whether you pay a penalty for life. A plain-English Monticello / San Juan County guide to all five 2026 enrollment windows: the 8-month rule for working past 65, the January–March catch-up window, the 10%-per-year Part B penalty, and real county health data — with free local help from Brian Penner.
Read →
Medicare AEP 2026: A Moab Fall Enrollment Checklist
Medicare's Annual Enrollment Period runs October 15 – December 7 — the one time each year everyone on Medicare can change coverage. A plain-English Moab / Grand County checklist for 2026: what you can change, when it takes effect, the January second-chance window, how to compare on total cost, and real Grand 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.