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 mental health care in 2026: what's covered in Garfield County
Therapy has no visit limit and one depression screening a year costs nothing — but the 20% coinsurance has no ceiling under Original Medicare, and 73% of Garfield County's 10,764 beneficiaries are on Original Medicare. The full 2026 coverage map, the counselors who could not bill Medicare until January 2024, the one telehealth benefit Congress made permanent, and why the 190-day psychiatric limit probably does not apply to you. Every figure sourced.
Read →
Spread your 2026 drug costs across the year: the Medicare Prescription Payment Plan in Mesa County
Pay the pharmacy $0 and get a monthly bill from your plan instead. Every Part D plan has to offer it, it costs nothing, and the first bill is capped — $175 if you join in January. It also does not save you a dime, and Medicare's own example shows a December bill three times the size of a normal month. The formula, the fit test, and the 26,122 Mesa County Part D enrollees with no Extra Help softening a bad January. Every figure sourced.
Read →
Medicare denied your care. Here's how the 2026 appeal works in Montrose County
Nine out of ten Medicare Advantage denials are never appealed — and 80.7% of the ones that are get partially or fully overturned. For nursing-home rehab the HHS Inspector General put the reversal rate at 95%. The five levels, the two filing deadlines, and the fast appeal you have to request by noon the day before your care ends. 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.