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.

MEDICARE OPTIONS

Medicare Advantage vs Supplement: Which Is Better?

One of the biggest Medicare decisions you’ll make is choosing between Medicare Advantage and Medicare Supplement, also called Medigap.

Both options can work, but they are very different in how they cover costs, doctors, networks, and long-term risk.

Call Brian Now Schedule Free Review

Plain-English Medicare help since 2005.

I help you compare your real costs, doctors, prescriptions, and risk before you choose a plan.

Quick Comparison

Medicare Supplement

No networks
See any doctor that accepts Medicare
More predictable costs
Higher monthly premium
Works with Original Medicare

Medicare Advantage

Network-based, usually HMO or PPO
Lower monthly premium
Copays and out-of-pocket costs
May include extra benefits
All-in-one plan structure

Key Differences That Matter

1. Doctor Access

Medicare Supplement plans allow you to see any doctor nationwide that accepts Medicare.

Medicare Advantage plans use networks, which can limit your options depending on your county, doctors, hospitals, and plan type.

2. Costs

Supplement plans usually cost more each month, but they can give you fewer surprises when you use your coverage.

Advantage plans often have lower monthly premiums, but you may have copays, coinsurance, and a maximum out-of-pocket limit.

3. Flexibility

Supplement plans usually offer more long-term flexibility, especially if you travel or want access to doctors outside your local area.

Advantage plans are more managed and structured. That can work well for some people, but it is important to check your doctors and prescriptions before enrolling.

My plain-English take

There is no universal “best” Medicare plan. The best choice is the one that fits your doctors, prescriptions, budget, travel habits, and how much financial risk you are comfortable keeping.

Which Option Is Better?

The answer depends on your priorities:

Want predictable costs? A Medicare Supplement may be better.
Want lower monthly premiums? Medicare Advantage may be worth comparing.
Want doctor flexibility? A Supplement usually gives you more freedom.
Okay with networks? Advantage may work if your doctors and prescriptions fit the plan.

There is not one perfect answer for everyone. That is why comparing your actual situation matters more than guessing.

Where Plan G and Plan N Fit In

If you are leaning toward a Medicare Supplement, the next step is usually comparing plans like Plan G and Plan N.

Plan G generally gives you very predictable coverage. Plan N may have a lower premium, but you could have some office copays, emergency room copays, and possible excess charges depending on your state and provider.

Good next step

Use the Plan G vs Plan N comparison to see whether paying less in premium could make sense for your situation.

Start With Medicare Basics

If you are still learning how Medicare works, start with the basics first. Original Medicare, Part A, Part B, drug coverage, Supplements, and Advantage plans all fit together.

Medicare Basics Guide → Compare Plan G vs Plan N → Use the Medicare Cost Calculator →

Don’t Miss Enrollment Timing

Choosing a plan is important, but timing matters too.

Your Medicare enrollment window, Medigap open enrollment period, and plan election periods can affect what options are available to you.

Read the Enrollment Guide → Contact Medicare On Main → Call 435-260-3200 →

Compare Your Options With an Expert

Brian Penner helps you compare Medicare Advantage and Medicare Supplement plans based on your real costs, doctors, prescriptions, and long-term risk.

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 State Health Insurance Program (SHIP) to get information on all your options.