Independent Medicare help · Grand Junction, CO
Medicare, made simple — by someone local.
Straight answers on Medicare Advantage, Medigap and Part D from an independent, licensed advisor right here on Colorado's Western Slope. No pressure, and no cost to you — insurance companies pay our fee.
How we help
Everything you need, handled with care
Navigate Medicare “red tape”
Parts A, B, C and D, deadlines and paperwork — we translate it all into plain English and handle the legwork.
Understand all your options
Advantage, Supplement (Medigap) and Part D, compared side by side so you can choose with confidence.
Avoid lifetime “gotcha” penalties
Miss a window and you can pay more for the rest of your life. We make sure you enroll on time, every time.
A custom plan for lifetime care
We match coverage to your doctors, prescriptions and budget — and review it every year as your needs change.
All at no cost to you.
How it works
Get the right Medicare plan in 3 steps
Schedule a free conversation
Tell us your doctors, prescriptions and budget. No cost, no pressure — ever.
Get a personal plan comparison
We compare the Medicare Advantage, Medigap and Part D plans we offer against your needs.
Enroll & get ongoing support
We handle enrollment and stay your local advisor for claims, appeals and annual reviews.
Our services
Explore services, plans & options
Medicare Enrollment Assistance
Turning 65 or new to Medicare — we guide every step of your Initial Enrollment.
Plan Comparison
Advantage vs. Supplement vs. Part D, compared for your exact situation.
Annual Coverage Review
Plans change yearly. We check yours every fall so you never overpay.
Claims Support & Appeals
A real, local advocate for when something goes wrong.
Keep Your Doctor
We help confirm your providers and prescriptions are covered before you switch.
Drug Cost Review
Make sure your prescriptions are covered at the best possible price.
Coverage
Medicare products we offer
Medicare Advantage
Medicare Supplement (Medigap)
Part D Prescription Drug Plans
Dental, Vision & Hearing
Hospital Indemnity
Life & Final Expense
Meet your advisor
A neighbor who does Medicare for a living — not a call center.
When you call, you reach Trinity Bemis — a licensed, local advisor who lives and works on the Western Slope. Same friendly face every year at renewal, with the patience to make sure you understand every option before you decide.
Resources
Latest Medicare guidance
Medicare and diabetes in 2026: what supplies and insulin cost in Delta County
Your meter, strips, lancets, and CGM are Part B equipment at 20%. Your insulin is capped at $35 a month. Your syringes are neither — unless you have a drug plan. The full 2026 map, plus the four diabetes drugs whose Medicare-negotiated prices took effect January 1 and the no-cost services most people skip. 12.4% of Delta County adults have diagnosed diabetes, the highest of the six counties we serve. Every figure sourced.
Read →
Working past 65 in Garfield County: your 2026 Medicare decision
Still on the job at 65 in Rifle or Glenwood Springs? Whether you can safely delay Part B turns on one number — your employer's headcount. And about 92% of Garfield County's business establishments have fewer than 20 employees, the threshold where Medicare becomes your primary payer whether you enrolled or not. The 20-employee rule, the HSA trap, the 8-month window, and the COBRA mistake. Every figure sourced.
Read →
Medicare preventive services in 2026: the $0 checklist for Montrose County
Part B covers the yearly “Wellness” visit and roughly twenty screenings, vaccines, and counseling services at no cost to you in 2026 — but every $0 has conditions. The full list, the four reasons a “free” screening generates a bill, and the covered test 37 out of 100 Montrose County adults still skip. Every figure sourced.
Read →Got questions?
We have lots of great answers
What if I’m already on Medicare?
We can still help — at no cost. We’ll review your current coverage, check that your doctors and prescriptions are covered, and compare it against the plans we offer to see if you could be paying less or getting more.
Do you charge for your time?
No. Insurance companies pay our fee, so you don’t pay a thing for our services. You get unbiased, local guidance at no cost to you.
What are “lifetime penalties”?
If you don’t enroll in Medicare Part B or Part D when you’re first eligible (and don’t have other qualifying coverage), you can owe a permanent late-enrollment penalty added to your premium for as long as you have Medicare. We make sure you enroll in the right window so you avoid them.
Is it true I could lose my doctor?
Some Medicare Advantage plans use provider networks, so the wrong plan could mean your doctor is out of network. Before you enroll, we confirm your physicians and prescriptions are covered by the plan you choose.
What about additional coverages?
Beyond core Medicare, we can help with dental, vision and hearing, hospital indemnity, and life or final-expense coverage — so the gaps Medicare leaves are covered too.
Let’s connect
Get your free, personalized Medicare roadmap from a local advisor who has your back.