Brian Penner, Medicare Insurance Agent
Brian Penner
Medicare On Main
Medicare Agent Licensed in OH, AZ, CA, CO, FL, GA, IA, LA, MI, NC, NE, NM, OR, SC, TN, TX, UT and VA
21+ Years of Experience
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Lorain, OH
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About Me
I'm Brian Penner, owner of Medicare On Main (a DBA of Kenztara INC) and an independent Medicare agent with 22+ years of experience. I work out of Moab, Utah, with offices in Monticello, UT and Grand Junction, CO — serving rural Utah and the western slope of Colorado: Moab, Monticello, Blanding, the Four Corners, Grand Junction, Montrose, Delta, and the small towns in between. I also work with clients across Utah by phone and video.
Starting September 1, 2026, I hold Medicare Mondays at my Monticello office (65 S Main St) — walk-in help every Monday from 9am to 2pm, no appointment needed.
I'm a solo agent, so you talk to me directly — not a call center. I help around 2,000 client families sort out Original Medicare, Medicare Supplements (Medigap), Part D drug plans, and Medicare Advantage, and pick the option that fits their doctors, their prescriptions, and their budget. Out here, the real question isn't just what a plan costs — it's whether it'll still work when your specialist is two hours away in Grand Junction or Salt Lake. That's the problem I spend my days on. I have a special focus on Medicare Supplement planning and helping veterans coordinate VA benefits with Medicare.
No pressure, no jargon — just your numbers, your doctors, and a straight answer. I'm licensed in 18 states, so I can help family members who've moved out of the area too.
Directions to My Office
Articles by Brian Penner
Q&A with Brian Penner
What are the reasons why I should work with a Medicare agent?
Answer: I'll give you a slightly different answer than most, because after 22 years I think the standard list — "it's free, we compare plans, we help with enrollment" — is all true but misses the real point.
Here it is: an agent's value isn't enrollment week. It's knowing what actually happens when you use the plan where you live.
I work in rural Utah and western Colorado. Out here, two plans can look identical on paper — same premium, same deductible — and one of them quietly assumes your cardiologist is in Salt Lake City, four hours away, while the other covers the specialist you can actually get to. The Plan Finder on medicare.gov won't tell you that. A TV ad definitely won't. Someone who has enrolled a thousand of your neighbors, and then answered the phone when their claims got denied and their doctors left networks, knows which plans hold up in your ZIP code and which ones only look good in the brochure. That's the actual product you're getting when you work with a local agent — the scar tissue.
And some honesty, since you asked for reasons: if you take no medications, love your plan, and nothing in your life changed this year, you may not need an agent this year. Where people get hurt is at the transitions — turning 65 while still working, retiring and leaving employer coverage, moving counties, a new diagnosis, a Medigap rate increase. Those are the moments a wrong move costs real money for years, sometimes with penalties that never go away. That's when having someone who does this every day, at no cost to you, stops being a convenience and starts being protection.
One tip whoever you choose: ask them how many carriers they represent, and ask them to name a plan they wouldn't put you in and why. The answer tells you whether you've found an advisor or a salesperson.