Medicare Insights From the Field
The Medicare On Main Blog
Practical Medicare guidance from Brian Penner — 21 years of experience translated into plain English. No jargon, no fluff. Just answers to the questions seniors are actually asking.
2026 Medicare Updates
Latest Articles
Medicare 101
Essential Medicare Topics
What Is Original Medicare?
Parts A and B explained — costs, coverage, what it doesn't cover, and why most beneficiaries add supplemental coverage.
Read the guide →
Advantage vs. Supplement
The most important Medicare decision. Full comparison of both approaches — costs, networks, benefits, and switching risks.
Compare both →
The Part D Late Penalty
The permanent penalty that surprises more seniors every year. How it works, how much it costs, and how to avoid it entirely.
Calculate your risk →
2026 IRMAA Brackets
Higher-income Medicare beneficiaries pay more. Official 2026 brackets, appeal rights, and how to plan around IRMAA.
Check your bracket →
Part B Giveback Plans
Some Advantage plans pay back part of your $202.90 Part B premium. Up to the full amount in some ZIP codes.
Check your ZIP →
Long-Term Care & Medicare
70% of people over 65 need LTC. Medicare covers almost none of it. What you need to know before you need it.
Read the guide →
Questions? Brian Answers Them in Person.
Any article topic, any Medicare question — 30 minutes with Brian cuts through the complexity. Free.