Our Services
How we help — start to finish
Every service below is free to you — carriers pay licensed agents, so your premium is identical whether you enroll through us or on your own. Brian Penner is an independent advisor (NPN 16493717) with offices in Grand Junction, Moab and Monticello, and he is the person you talk to each time you call.
We do not offer every plan available in your area. The plans we do offer, we check line by line against your own doctors, prescriptions and budget — and we stay on the file after you enroll.
Medicare Enrollment Assistance
Free, step-by-step help enrolling in the right Medicare plan for your needs — from timing to paperwork to confirmation.
Turning 65 Consultations
A clear roadmap for your Initial Enrollment Period so you start Medicare with confidence — no pressure, no jargon.
Insurance Plan Comparison
We compare the plans we offer in your county against your doctors and prescriptions, then bring you the two or three that truly fit.
Annual Coverage Review
Plans change every year. We re-check yours each fall during AEP so you never overpay or lose a benefit by default.
Claims Support & Appeals
A real local advocate when a claim is denied or a bill looks wrong — we help you understand it and file an appeal.
Drug Cost Review
We run your full prescription list against the formularies of the plans we offer to find the lowest total cost — often hundreds saved a year.
Retirement Income Planning
Protect your savings and create income you can't outlive, alongside the right Medicare coverage — a whole-picture approach.
What working with us actually looks like
Four steps, whether you are turning 65 for the first time or reviewing a plan you have carried for a decade.
1. A conversation, not a pitch
We start with what you already have and what you are worried about — a doctor you will not give up, a prescription that costs too much, a deadline you think you may have missed. Fifteen minutes on the phone is usually enough to tell whether you have a real problem or just an unanswered question.
2. We check your doctors and your drug list
This is the part that takes the time and the part that matters. We run your prescriptions against the formularies of the plans we offer, tier by tier, and confirm your providers are in network for the coming plan year — not last year's directory.
3. Two or three real options, explained
Not a spreadsheet of everything. The handful that actually fit, with the trade-offs stated plainly: what each costs per month, what it costs if you get sick, and what it does not cover.
4. We handle the paperwork and stay on the file
We complete the enrollment with you and confirm it went through. Then we are the number you call when a claim is denied, a bill looks wrong, or a plan letter arrives that nobody can decipher.
When to call us
- You are turning 65. Your Initial Enrollment Period runs seven months — the three before your birthday month, the month itself, and the three after. Start at the beginning of it, not the end.
- You are retiring or leaving employer coverage. This is where the expensive mistakes happen. Dropping group coverage without enrolling in Part B on time adds 10% of the standard premium for every full 12 months you went without — permanently.
- It is fall. The Annual Enrollment Period runs October 15 through December 7. Plans change formularies, networks and costs every January, and doing nothing renews you into next year's version of your plan, not this year's.
- Your drug costs jumped. The 2026 Part D out-of-pocket cap is about $2,100, but which tier your specific drugs land on still varies widely between plans.
- A claim was denied. You have appeal rights and real deadlines. We help you use them.
Frequently asked
What does it cost to work with Medicare On Main?
Nothing. You pay the same premium for a plan whether you enroll through us, through the carrier directly, or on Medicare.gov — carriers pay licensed agents, not you. There is no consulting fee, and no charge for the annual review, claims help, or appeals.
Do I have to switch plans to work with you?
No. Plenty of reviews end with 'your plan is still the right one' — that is a good outcome, not a wasted appointment. We recommend a change only when your costs or your provider network say one makes sense.
What should I bring to the first meeting?
Your Medicare card (or your Social Security award letter if you have not enrolled yet), a list of your prescriptions with dosages, and the names of the doctors and hospital you want to keep. That is enough for us to check the plans we offer against your actual situation.
Are you available after I enroll, or only during enrollment season?
Year-round. Claims get denied and drug formularies change in the middle of the year, not just in the fall. The annual review is scheduled between October 15 and December 7, but the phone works in March too.
Do you only help with Medicare?
Medicare is the core of what we do and it is where the deadlines live. We also help with Social Security timing and long-term care planning, because for most people those three decisions get made in the same few years and each one affects the others.
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.
Not sure where to start?
Book a free consultation and we'll point you the right way.
Last updated . Maintained by the Medicare On Main Data Desk · reviewed by Brian Penner, Independent Medicare advisor (NPN 16493717).