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Digital Medicare
Coverage Proposal

Medicare Advantage (Part C) pathway
Medicare On Main
Date:
Prepared for:
Your Advisor:Brian Penner

Prepared personally for you. This proposal maps each layer of your Medicare coverage — what Original Medicare pays, what your selected plans add, and where the remaining risks sit — so every dollar of protection is intentional.

Why This Plan Design — Where Medicare Leaves You Exposed
🏛️
Original Medicare — Parts A & B
Covers 80% of approved hospital & outpatient costs after deductibles.
Layer 1
🛡️
Medicare Advantage Plan (Part C)
Bundles hospital + medical (usually drugs too) through a plan network; copays as you go, capped by the plan's in-network max out-of-pocket — up to $9,250 (2026).
Layer 2
🎀
Cancer / Heart / Stroke Protection
Lump-sum cash at diagnosis — helps cover copays up to your MOOP, non-covered care, travel, lost income.
Worth Discussing
🏡
Long-Term Care Planning
The only coverage for custodial care. Medicare pays $0 for this — ever.
Worth Discussing

Potential Annual Exposure Without Supplemental Coverage

Long-term care
$126,000/yr
Serious-illness yr
MOOP $9,250
Rx drugs (Part D)
$2,100/yr
Preventive care
$0 in-network
Without layers 3 & 4
$137,000+
worst-case year: LTC + plan MOOP + Rx cap
With all four layers
Protected
coverage across every major risk
Core Coverage Summary
Coverage TypeCarrier / PlanMonthly Premium
Medicare A & B *Medicare
Medicare Advantage Plan (Part C)
Drug Coverage
Plan max out-of-pocket (in-network):    ·  2026 federal cap: $9,250
Additional Coverage
Coverage TypeCarrier / PlanMonthly Premium
Hospital Indemnity
Dental, Vision & Hearing
Cancer-Heart-Stroke Protection
Short Term Recovery Care
Long Term Care Planning
Estimated Monthly Premium Total auto-calculated $202.90
Advisor Notes
*IRMAA Calculator — Income-Based Surcharge (2026)
Enter income to estimate IRMAA
AdjustmentMonthly EstimateNotes
Part B IRMAAAdded to the $202.90 standard Part B premium
Part D IRMAAPaid to Medicare on top of your drug plan premium
2026 amounts per CMS, based on your 2024 tax return (MAGI). IRMAA applies per person and is billed by Medicare — usually deducted from Social Security — not by your insurance carrier. Amounts flow into the total above.
Your Next Steps
1Review togetherWe walk through this proposal line by line, on your schedule — no pressure, no jargon.
2Confirm the fitWe verify your doctors, prescriptions, and carrier availability in your county before anything is final.
3We handle enrollmentPaperwork, deadlines, and carrier follow-up are handled for you, at no cost to you.
Client acknowledgment — signature & date
Advisor — signature & date
880 S Main St, Moab, UT 84532 ◆ UT (435) 260-3200 · CO (970) 644-6954 ◆ MedicareOnMain.com

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 of your options. Medicare On Main is a licensed independent insurance agency (NPN 16493717). Not connected with or endorsed by the United States government or the federal Medicare program.

Based on 2026 Medicare rates. Figures are estimates for illustration purposes only. Individual costs vary by health status, geographic location, and plan selection. This material is educational and is not a guarantee of benefits or coverage.

Medicare On Main — Digital Coverage ProposalMedicareOnMain.com