Anthem · Desert Hills · New River · Cave Creek · Carefree · Scottsdale · North Phoenix · Glendale · Peoria
Medicare,explainedbysomeonewholiveshere.
22+ Years on one stage of life, and one job: work out which plan actually fits your
doctors, your prescriptions and your budget — then get out of the way. No call center,
no script, no charge.
Brian Penner · Licensed Independent Medicare Advisor · NPN 8206556
22 + Years
9 Valley Communities
8206556National Producer Number
22+ Years·Serving 9 Valley communities·NPN 8206556
What we do
Medicare,andeverythingaroundit.
These four are where most conversations start. Around them sits the rest of what a household actually needs after 65 — dental-vision-hearing, cancer, heart attack and stroke plans, hospital indemnity, short-term home health care and final expense — plus retirement income and Social Security planning for households with $250,000 or more in investable assets.
Not sure which of these you need? That is the normal starting point.
Answer six questions and we will narrow it down.
How it works
Threesteps.Aboutfortyminutes,total.
Most of the work happens before any paperwork comes out.
01
You tell me what matters
Your doctors, your prescriptions with dosages, your pharmacy, whether you travel, and
what you can comfortably spend each month. Twenty minutes on the phone or at a kitchen
table in Anthem — your choice.
02
I run the comparison
Every plan available in your ZIP, priced against your actual medication list at your
actual pharmacy, with your doctors checked against each network. Then I show you the
two or three that survive — including where each one falls short.
03
You decide, and I stay
You pick. I handle the enrollment paperwork, and then I am still your agent — for the
billing question in March, the network change in July, and the review every fall
before the plan year rolls over.
Free tools
Worksomeofitoutyourselffirst.
No email gate, no sign-up, nothing saved. Use them, close the tab, and call only if you want to.
22+ Years in Medicare, based in Anthem, working the north Valley.
I am independent, which means I am not tied to one carrier's product shelf and I am not
paid more to steer you toward a particular plan. The carriers pay the same commission
whichever one you choose, and it costs you nothing either way — so the only thing left
to optimize is whether the plan is right.
After twenty-two years, the part I am actually good at is the unglamorous bit: reading
a formulary properly, catching the network change before it becomes a surprise bill,
and telling you plainly when the plan you are on is already the right one.
Brian is very helpful and talks you through all the steps to choose the best medical plan for your circumstances. Highly recommend him. Both myself and my husband have greatly appreciated his assistance during this complicated time of our lives.
Cricket Green
Rated 5 out of 5.
Outstanding highly recommend to all. Went above and beyond to take care of us. I would not got to or trust anyone else.
Jon Pedersen
Rated 5 out of 5.
Brian is knowledgeable as to many different options of insurances plans. He was prompt and prepared. I had several options to chose from. I obtained the insurance plan and great advice I needed. I would recommend his service.
Todd Stubbs
Rated 5 out of 5.
Brian was kind and patient as he explained our options and answered our questions. He was prepared with the best plans for us. We reccomend him for anyone looking for Medicare Insurance. Thank you!
Janet Hazleton
Rated 5 out of 5.
Brian was very professional and fast with my Medicare and Medicaid Insurance Coverage. He was more than helpful and knowledgeable.
Carolyn Kirk
Verified Google reviews from Brian Penner's clients at Medicare On Main, our sister agency — backed by 22+ years of Medicare experience.
Service area
Localmeanslocal.
The office is in Anthem, 85086; the work runs across the Phoenix metro. Plan availability
in Medicare is set county by county, and the differences between neighboring ZIPs are
real — which is the whole argument for using somebody who works this patch.
Nothing. There is no fee to you at any point. Insurance carriers pay a set commission to licensed agents, and that amount is the same whether you enroll through me, through a call center, or directly with the carrier. Your premium does not go up for having help.
Do you only sell Medicare?
Medicare is the core of the practice — Advantage, Supplement, and Part D. Around it sits the coverage that fills Medicare's real gaps: long-term care (traditional and limited-pay), dental-vision-hearing, cancer–heart attack–stroke plans, hospital indemnity, short-term home health care, and final expense. There is also a retirement income and Social Security planning division for households with $250,000 or more in investable assets. One practice, built around what actually happens after 65.
When can I actually make a change to my Medicare coverage?
The main windows are your Initial Enrollment Period around your 65th birthday, the Annual Enrollment Period from October 15 to December 7 each year, the Medicare Advantage Open Enrollment Period from January 1 to March 31, and Special Enrollment Periods triggered by life events like moving or losing employer coverage. Our Enrollment Window Checker will pin down your exact dates.
I already have a plan. Is it worth reviewing?
Almost always, yes. Formularies, premiums, networks and extra benefits all reset every January. The most expensive mistake I see is a plan that was an excellent fit three years ago and quietly stopped being one. A review takes about twenty minutes and costs nothing.
Do we have to meet in person?
Your choice. The office is in Anthem, and I meet face to face there and across the rest of the Valley — Desert Hills, New River, Cave Creek, Carefree, Scottsdale, north Phoenix, Glendale and Peoria. Plenty of clients would rather do the whole thing by phone or video, and that works just as well.
What should I have ready before we talk?
Your red, white and blue Medicare card if you have one, a list of your prescriptions with dosages, the names of the doctors you want to keep, and your preferred pharmacy. That is enough to do real work in a single conversation.
Next step
Let’slookatyouractualoptions.
One conversation, no cost, no obligation. Bring your prescription list and your doctors — that is all it takes to do real work. You’ll speak to Brian Penner directly.
