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 before 65 on disability in 2026: the 24-month wait, what you pay, and Colorado's Medigap rule for the Roaring Fork Valley
If you are under 65 and on Social Security disability, Part A and Part B start automatically after 24 months of benefits (no wait for ALS; kidney failure follows its own clock). You pay what a 65-year-old pays — $0 for Part A, $202.90 a month for Part B in 2026. Federal law does not make Medigap companies sell to people under 65, but Colorado Regulation 4-3-1 does: six months from your first month of Part B, any plan a company sells, no health questions. What the under-65 premium rules say, the second Medigap window at 65, Medicare Advantage availability (0 general-enrollment plans in Garfield County, 3 rising to 6 in Pitkin), how 2026's $1,210 trial work months and 93 months of continued Medicare protect you if you go back to work — and the 788 people in Pitkin, Garfield and Eagle counties this applies to.
Read →
Medicare Advantage plan ending in 2027? What the letter means and what your rights are in Mesa County
CMS's first 2027 plan file lists 13 Medicare Advantage plans open to general enrollment in Mesa County, down from 21 — and 10 of this year's plan IDs are not in it. How to tell a non-renewal notice from a consolidation, what happens if you do nothing (Original Medicare, generally without drug coverage), the December 8 – February 28 Special Enrollment Period and why December 31 is still the practical deadline, and the 63-day guaranteed right to buy Medigap Plan A, B, C, D, F or G without health questions.
Read →
Medicare for snowbirds and travelers in 2026: what covers you when you leave Delta County for the winter
Original Medicare and Medigap work with any provider that takes Medicare in any state, at the same cost as at home. A Medicare Advantage plan covers emergencies and urgent care nationwide, but routine care is tied to its network — and the plan must disenroll you after more than 6 months out of its service area, or 12 with a visitor/traveler benefit. How to fill prescriptions away from home, what Medicare pays outside the country (almost nothing) and what Medigap's $50,000 foreign travel emergency benefit adds, an eight-step checklist before you leave — and why it matters in Delta County, where 47.3% of 10,535 Medicare beneficiaries are in a Medicare Advantage or other health plan.
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.