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 cancer treatment: what Pitkin County patients pay for chemo, radiation and cancer drugs in 2026
Part A covers chemo and radiation in the hospital, Part B covers them as an outpatient at 20% after the $283 deductible with no yearly cap, and most cancer pills fall under Part D, capped at $2,100 in 2026 and $2,400 in 2027. Which screenings are $0, why a removed polyp costs 15%, and why the Medigap decision matters in a county where 88.2% of Medicare enrollees use Original Medicare — plus Pitkin County's six 2027 Medicare Advantage plans, all from one insurer, with $6,000–$9,850 out-of-pocket limits.
Read →
Medicare for kidney failure and dialysis: what Delta County families should know in 2026
Permanent kidney failure can qualify you for Medicare at any age. Coverage usually starts the fourth month of in-center dialysis (month one with home training), Original Medicare leaves you 20% of every treatment after the $283 Part B deductible with no yearly cap, and Colorado guarantees under-65 Medigap access for six months after Part B starts. The 30-month employer coordination period, the 36-month post-transplant cutoff and the $121.60 Part B-ID drug benefit, plus why Delta County has no dialysis center in Medicare's listing and how the five in Montrose and Grand Junction compare.
Read →
2027 Medicare star ratings: how Mesa County's plans scored, and how to use them this Open Enrollment
CMS posted the 2027 Medicare Advantage and Part D star ratings on October 8. Of the 13 Medicare Advantage plans open to everyone in Mesa County, 10 come from 4-star contracts and none has 5 stars, so the 5-star Special Enrollment Period isn't available here. What moved (Humana up to 4, Select Health and Aetna's PPO down to 4, Humana's drug plans up to 4.5), each contract's member rating and turnover, the $4,900–$9,850 out-of-pocket range, the 8 stand-alone drug plans, and what the stars can't tell you before December 7.
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.