Brian Penner is the owner and licensed Medicare insurance agent of Medicare On Main. Brian has 21+ years of experience and has helped over 2,000 clients enroll in Medicare since 2004. He operates as the sole agent and is licensed in 18 states with offices in Moab and Monticello, Utah, and Grand Junction, Colorado.

Where is Medicare On Main located?

Medicare On Main has three offices: Moab, Utah at 880 S Main Street; Monticello, Utah at 65 S Main Street; and Grand Junction, Colorado at 627 24 1/2 Rd Unit H. Brian Penner serves clients in person at all three locations and by phone or video across 18 states.

What is Medicare On Main's phone number?

The main phone number for Medicare On Main is (435) 260-3200, which reaches Brian Penner directly for the Moab and Monticello, Utah offices. The Grand Junction, Colorado office number is (970) 644-6954.

What states is Medicare On Main licensed in?

Brian Penner of Medicare On Main is licensed to sell Medicare insurance in 18 states: Arizona, Colorado, Florida, Georgia, Iowa, Louisiana, Michigan, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oregon, South Dakota, Tennessee, Texas, Utah, and Virginia.

Is Medicare On Main an independent Medicare agency?

Yes. Medicare On Main is an independent insurance agency. Brian Penner is not employed by any single insurance carrier, which means he can compare every Medicare Supplement, Medicare Advantage, and Part D plan available in a client's ZIP code and recommend the best fit with no carrier bias.

How much does it cost to work with Brian Penner at Medicare On Main?

There is no cost to the client. Medicare On Main's plan reviews, comparisons, and enrollment assistance are completely free. Brian Penner is paid directly by the insurance carrier when a client enrolls in a plan, and the client's premium is the same whether they enroll through Brian or through the carrier directly.

How long has Brian Penner been a Medicare agent?

Brian Penner has been a licensed insurance agent specializing in Medicare since 2004 — over 21 years of experience. He has personally helped more than 2,000 clients navigate Medicare enrollment, plan comparisons, and Annual Enrollment Period changes.

Does Medicare On Main serve Grand Junction, Colorado?

Yes. Medicare On Main has a physical office in Grand Junction, Colorado at 627 24 1/2 Rd, Unit H, 81505. Brian Penner is licensed in Colorado and serves Mesa County and the Western Slope, including Fruita, Clifton, Palisade, and Delta. The Grand Junction office phone is (970) 644-6954.

What Medicare plans does Medicare On Main help with?

Medicare On Main helps clients with all major Medicare-related products: Medicare Supplement (Medigap) plans, Medicare Advantage plans, Medicare Part D prescription drug plans, dental and vision coverage for Medicare beneficiaries, and Medicare planning for people turning 65.

How do I book an appointment with Brian Penner?

You can book a free 20-minute Medicare review with Brian Penner directly on his calendar at https://65.medicareonmain.com/widget/bookings/15-minute-call-brian-penner, or by calling (435) 260-3200. Appointments are available in person at the Moab, Monticello, or Grand Junction offices, or by phone or video across all 18 licensed states.

GEORGIA MEDICARE UPDATE

Clear Spring Health Plans Ending in Georgia?

Some Georgia Medicare beneficiaries are learning that their Clear Spring Health Medicare Advantage plan may be leaving their area or changing significantly.

If your plan is ending, this is not something you want to ignore. Your next Medicare decision could affect your doctors, prescriptions, hospital costs, and long-term coverage flexibility.

Call Brian Now Schedule Free Medicare Review

Helping Medicare beneficiaries compare coverage since 2005.

Independent Medicare guidance with no pressure and no cost for plan reviews.

What Happens If Your Clear Spring Plan Ends?

If your Medicare Advantage plan is leaving your area, you typically will have the opportunity to choose a new Medicare plan.

Depending on your situation, you may be able to:

Enroll in another Medicare Advantage plan
Move to Original Medicare
Apply for a Medicare Supplement plan like Plan G or Plan N
Add Part D prescription drug coverage
Add hospital indemnity protection to help cover copays

Important:

Your deadlines matter. Waiting too long can limit your options or create gaps in coverage.

Why Some People Are Looking at Medicare Supplements

One thing I’m seeing right now is many people reevaluating how much network risk and copay exposure they want going forward.

Some beneficiaries are using this opportunity to look at Medicare Supplement plans because Supplements can offer:

Nationwide provider access
No network restrictions
More predictable costs
Lower long-term exposure to large medical bills
Freedom to travel without worrying about HMO networks

Of course, Supplements usually have higher monthly premiums, so it really depends on your situation and budget.

Why Plan N Is Getting More Attention

A lot of people immediately look at Plan G because it is one of the most comprehensive Medicare Supplement options available.

But lately I’m seeing more people compare Plan G and Plan N because Plan N can sometimes lower monthly premiums while still offering strong protection.

Plan N may be worth looking at if:

You do not visit doctors constantly
You want lower premiums than Plan G
You are comfortable with occasional office visit copays
You want nationwide Medicare access

Not everyone qualifies.

Depending on timing and underwriting rules, health questions may apply when moving into a Medicare Supplement plan.

Could Another Medicare Advantage Plan Make Sense?

Absolutely.

For some people, another Medicare Advantage plan may still be the best fit — especially if:

Your doctors are in-network
Your prescriptions are covered well
You prefer lower monthly premiums
You want built-in dental, vision, or hearing benefits

The key is comparing your actual doctors, medications, and total cost exposure instead of just looking at the premium.

Don’t Forget About Hospital Copay Exposure

One thing many people do not realize until later is how quickly hospital copays can add up on some Medicare Advantage plans.

That is why some beneficiaries add hospital indemnity coverage to help protect against:

Hospital admissions
Outpatient surgeries
Observation stays
Skilled nursing copays

This can sometimes help create more predictable healthcare costs.

What Should You Do Next?

If your Clear Spring Health Medicare Advantage plan is ending in Georgia, this is the time to review:

Your doctors
Your prescriptions
Your total annual risk exposure
Your travel habits
Your Medicare enrollment timing
Your Supplement eligibility

There is no one-size-fits-all answer. The right plan depends on your real situation.

Compare Medicare Advantage vs Supplement → What Is Original Medicare? → Use the Medicare Cost Calculator →

Need Help Reviewing Your Medicare Options?

I help Medicare beneficiaries compare Medicare Advantage plans, Medicare Supplement plans, Part D drug plans, and hospital indemnity options based on real doctors, prescriptions, and total costs.

Call 435-260-3200 Schedule Medicare Strategy Call

A NON-GOVERNMENT HEALTH INSURANCE AGENCY. We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP office to get information on all of your options.