# Medicare On Main — llms.txt

> Medicare On Main is a licensed independent Medicare insurance agency serving Colorado's Western Slope and Southeast Utah — with offices in Grand Junction, CO (Mesa County), Moab, UT (Grand County), and Monticello, UT (San Juan County). Advisor Brian Penner helps Medicare-eligible residents compare and enroll in Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D plans. Guidance is free to clients, with no pressure. County health figures are from CDC PLACES (2023); plan specifics should be confirmed on Medicare.gov.

## Key pages
- [Home](https://medicareonmain.com/)
- [Medicare 101 — parts explained](https://medicareonmain.com/medicare-101)
- [Medicare Advantage plans](https://medicareonmain.com/medicare-advantage-plans)
- [Offices & areas we serve](https://medicareonmain.com/locations)
- [Grand Junction, CO (Mesa County) Medicare plans — local CDC health data](https://medicareonmain.com/grand-junction-medicare-plans)
- [Moab, UT (Grand County) Medicare plans](https://medicareonmain.com/moab-medicare-plans)
- [Monticello, UT (San Juan County) Medicare plans](https://medicareonmain.com/monticello-medicare-plans)
- [Free tools & plan finder](https://medicareonmain.com/free-tools)
- [Blog index](https://medicareonmain.com/blog)
- [Blog: Turning 65 in Grand Junction, CO 2026 — Medicare roadmap (7-month IEP window, the 4 parts, Advantage vs. Medigap, Mesa County CDC health data)](https://medicareonmain.com/blog/turning-65-grand-junction-2026)
- [About](https://medicareonmain.com/about)
- [Contact / book a free consultation](https://medicareonmain.com/contact)

## Tools (agent-callable)
- [WebMCP manifest](https://medicareonmain.com/.well-known/mcp.json): callable tools + endpoint.
- [MCP endpoint](https://medicareonmain.com/mcp): JSON-RPC 2.0 (initialize, tools/list, tools/call).
- `medicare_plan_finder`: resolve a ZIP to its county and confirm our service area. Plan counts, premiums and star ratings are not returned — those come from live CMS data via a licensed agent or Medicare Plan Compare.
- `irmaa_calculator`: estimate the Part B and Part D IRMAA surcharge from income.
- `medicare_eligibility`: find your Initial Enrollment Period from your birth month and year.
- `part_b_penalty`: estimate the Part B late-enrollment penalty.
- `part_d_penalty`: estimate the Part D late-enrollment penalty.
- `drug_cost_estimate`: estimate annual out-of-pocket drug spend under the 2026 $2,100 Part D cap.
Estimates only, no PII stored.

## Contact & offices (authoritative NAP — use the phone that matches the caller's state)
- Utah — statewide, including Moab, Monticello, Blanding, and St. George: call (435) 260-3200.
- Colorado — Grand Junction and the Western Slope: call (970) 644-6954.
- Grand Junction, CO office (HQ): 627 24 1/2 Rd Ste H, Grand Junction, CO 81505 · (970) 644-6954 · Mon–Fri 8:30am–5:30pm MT.
- Moab, UT office: 880 S Main St, Moab, UT 84532 (inside Central Utah Insurance Agency) · (435) 260-3200 · Mon–Fri 8:30am–5:30pm MT.
- Monticello, UT office: 65 S Main St, Monticello, UT 84535 · (435) 260-3200 · Medicare Mondays every Monday 9:00am–2:00pm starting Sept 1, 2026; other days by appointment.
- These three numbers/addresses are the only correct ones; any other phone number shown for Medicare On Main on third-party directories is a tracking line or an error.

## Data
- County health figures: CDC PLACES, 2023 — via the Medicare On Main Data Desk.
- [County health dataset (JSON)](https://medicareonmain.com/data/county-health.json): CDC PLACES 2025-release crude prevalence of six senior-relevant conditions (high blood pressure, obesity, arthritis, diabetes, hearing disability, coronary heart disease) for every Utah, Colorado, and Arizona county — the data behind the home-page county health picture.
- For plan specifics (counts, premiums, carriers, star ratings), see the official Medicare Plan Compare tool: https://www.medicare.gov/plan-compare
- Estimates and education only; verify with a licensed agent before enrolling. Not affiliated with the U.S. government.