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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.

$0 cost to you Decades of experience Local & independent
Brian Penner and family — Medicare On Main
Family vacation Destin, FL · June 2026
Find your plan fitStep 1 of 6

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.

Compare my plans — pick a time →

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

1

Schedule a free conversation

Tell us your doctors, prescriptions and budget. No cost, no pressure — ever.

2

Get a personal plan comparison

We compare the Medicare Advantage, Medigap and Part D plans we offer against your needs.

3

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

All articles →
September 28, 2026

Do I Need to Cancel My Old Medicare Plan Before Switching?

No. CMS's 2027 enrollment guidance says a member who elects a new plan "will automatically be disenrolled from the old plan and enrolled in the new plan by CMS systems with no duplication or delay in coverage." Enroll October 15 to December 7, keep the old card through December 31, and the new plan starts January 1. The exceptions: a Medigap policy never cancels itself, leaving for Original Medicare without a drug plan takes a request to 1-800-MEDICARE or the plan, and retiree coverage can end for good. Plus the last-choice rule if you change your mind, and what Mesa County's 17,134 Advantage and 15,944 Part D members each need to do.

Read →
September 28, 2026

Regence vs. Select Health Medicare Advantage in Utah (2026)

Utah's two home-grown carriers, side by side from the CMS 2026 landscape file. Regence files 3 plans, all PPO, in 12 counties, with drug-plan premiums of $46 and $135 and in-network out-of-pocket limits of $5,000 to $6,200. Select Health files 5 plans, all HMO, in 13 counties, with $0 plan premiums and limits of $5,500 to $6,325. They overlap in 9 counties; Box Elder, Tooele and Wasatch have Regence only; Piute, Sanpete, Sevier and Wayne have Select Health only; 13 counties, including Grand and San Juan, have neither. What PPO and HMO change when you use the plan, and why 2027 waits for October 1.

Read →
September 28, 2026

Moving From California to Utah: What Happens to My Medicare?

Parts A and B and a Medigap policy come with you; an Advantage or Part D plan ends at the county line and Medicare.gov gives you a Special Enrollment Period that "begins when you move and continues for 2 full months after you move," a month earlier if you tell the plan first. Three things Californians take for granted stop at the border. California Insurance Code § 10192.11(h) lets a policyholder buy "any Medicare supplement policy" of equal or lesser benefits from any company for 60 days from each birthday; Utah Code § 31A-22-620(3)(g) opens 60 days too, but only for a plan "offered by the same issuer." Kaiser's own plan finder lists eight regions and Utah is not one; the CMS 2026 landscape shows seven organizations in Utah, 12 plans in Washington County and 24 in Salt Lake. And a stand-alone drug plan is regional, with California and Utah in different Part D regions. Plus the two money questions that change with the address: the gain on the California house above the $250,000 / $500,000 exclusion, which counts toward IRMAA, and Utah's tax on Social Security with its $54,000 / $90,000 credit thresholds.

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).