# Everything Senior Insurance > Specializing in Medicare, providing simplified expert analysis and lifetime customer service. Licensed to help people on Medicare in 32 states. Everything Senior Insurance (formerly Christian Brindle Insurance Services) is an independent insurance agency at 61 W 13490 S Suite 201, Draper, UT 84020 (801-255-5340, info@eseniorins.com), founded by Christian Brindle, host of the Everything Medicare Podcast. It compares Medicare Advantage, Medicare Supplement (Medigap), Part D, ACA Marketplace, dental/vision/hearing and short-term medical plans from the carriers it represents, at no cost to the client, and is licensed in 32 states: Utah, Idaho, Colorado, Washington, Oregon, California, Texas, Virginia, West Virginia, South Carolina, North Carolina, Alabama, Florida, Arizona, Nevada, Alaska, Mississippi, Kentucky, Arkansas, Illinois, Kansas, Nebraska, Maryland, Georgia, Tennessee, Missouri, Indiana, Louisiana, Pennsylvania, Maine, Michigan, Wisconsin. We do not offer every plan available in your area. Currently we represent 76 organizations which offer 2,345 plans nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program. Request any page with `Accept: text/markdown` to receive its Markdown twin, or read /md/.md directly. Full text of every page: /llms-full.txt. ## Home - [Everything Senior Insurance](https://eseniorinsurance-demo-v2.pages.dev/): Independent Medicare agency in Draper, Utah, licensed in 32 states. Medicare Advantage, Medigap, Part D, ACA, dental, vision and hearing plans compared for… ## Medicare - [Medicare 101: How Parts A and B Work](https://eseniorinsurance-demo-v2.pages.dev/medicare-101): Medicare 101 from Everything Senior Insurance: how Original Medicare Parts A and B work, what each part covers, and what Original Medicare does not cover. - [Medicare Advantage Plans Explained](https://eseniorinsurance-demo-v2.pages.dev/medicare-advantage): What Medicare Advantage (Part C) plans are, how they are funded, why many have $0 premiums, and the network and cost-sharing trade-offs to weigh before you… - [Medigap (Medicare Supplement) Plans](https://eseniorinsurance-demo-v2.pages.dev/medigap): How Medicare Supplement (Medigap) plans pay after Medicare, why every carrier offers identical standardized coverage at different prices, and why Plans G… - [Medicare Part D Drug Coverage](https://eseniorinsurance-demo-v2.pages.dev/part-d): How Medicare Part D works: stand-alone drug plans vs drug coverage inside Medicare Advantage, formularies and tiers, and the coverage stages you move… - [How to Prevent Medicare Fraud](https://eseniorinsurance-demo-v2.pages.dev/prevent-medicare-fraud): What Medicare fraud is and six practical ways to protect your Medicare number: secure your card, check statements, ignore unsolicited calls, verify… - [Who Is Eligible for Medicare](https://eseniorinsurance-demo-v2.pages.dev/medicare-eligibility): Medicare eligibility explained: age 65, disability after 24 months of SSDI, ALS and ESRD, premium-free Part A with 40 quarters, and what to do if you are… - [Medicare Enrollment Periods: IEP, AEP, OEP and SEP](https://eseniorinsurance-demo-v2.pages.dev/medicare-enrollment-periods): Every Medicare enrollment window on one page: the 7-month Initial Enrollment Period, General Enrollment, the fall Annual Enrollment Period, Medicare… - [How to Enroll in Medicare, Step by Step](https://eseniorinsurance-demo-v2.pages.dev/how-to-enroll-in-medicare): How to sign up for Medicare: automatic enrollment if you get Social Security, applying online at ssa.gov in about 10 minutes, what documents you need, how… - [Turning 65: Your Medicare Checklist](https://eseniorinsurance-demo-v2.pages.dev/turning-65-medicare-checklist): A month-by-month Medicare checklist for the year you turn 65: when your window opens, what to decide, what it costs in 2026, how to avoid penalties, and… - [Medicare vs Medicaid: What Is the Difference](https://eseniorinsurance-demo-v2.pages.dev/medicare-vs-medicaid): Medicare is federal health insurance based on age or disability; Medicaid is a state-run program based on income. How each works, who qualifies, what each… - [Medicare Costs in 2026: Premiums, Deductibles and IRMAA](https://eseniorinsurance-demo-v2.pages.dev/medicare-costs-2026): 2026 Medicare costs from the CMS fact sheet: Part A deductible $1,736 and daily coinsurance, Part B premium $202.90 and deductible $283, the full IRMAA… - [Medicare Late-Enrollment Penalties: Part B and Part D](https://eseniorinsurance-demo-v2.pages.dev/medicare-late-enrollment-penalties): How the Part B penalty (10% of the premium per full year late, for life) and the Part D penalty (1% of $38.99 per month without creditable coverage) are… - [Medicare Part D in 2026: The $2,100 Cap and What Changed](https://eseniorinsurance-demo-v2.pages.dev/medicare-part-d-2026-changes): What changed in Medicare Part D for 2026: the $2,100 out-of-pocket cap, the $615 maximum deductible, no coverage gap, the Medicare Prescription Payment… ## Health - [ACA Marketplace Health Plans](https://eseniorinsurance-demo-v2.pages.dev/aca-marketplace): How Affordable Care Act Marketplace plans work: premiums, deductibles, copays, networks, drug coverage, out-of-pocket maximums, and how premium subsidies… - [Dental, Vision and Hearing Plans](https://eseniorinsurance-demo-v2.pages.dev/utahdentalinsurance): Why dental, vision and hearing (DVH) plans matter on Medicare, what they do and do not cover, and when a stand-alone DVH plan is worth it next to Medicare… - [Short Term Medical Insurance](https://eseniorinsurance-demo-v2.pages.dev/short-term-medical): What short term medical plans are, how they became a longer-term option in some states, and the two profiles (higher income, good health) they tend to fit… ## Company - [About Everything Senior Insurance](https://eseniorinsurance-demo-v2.pages.dev/about-us): Meet founder Christian Brindle, co-owner Glen Shelton and the Everything Senior Insurance team in Draper, Utah: year-round Medicare service, multiple… - [Careers at Everything Senior Insurance](https://eseniorinsurance-demo-v2.pages.dev/agent-info): Join Everything Senior Insurance: founder-led training, Seven Figure Medicare University, and contracts with Medicare, final expense, ancillary and ACA… - [Contact Everything Senior Insurance](https://eseniorinsurance-demo-v2.pages.dev/contact-us): Questions about Medicare coverage or your options? Call 801-255-5340, email info@eseniorins.com or send the form. 61 W 13490 S Suite 201, Draper, UT 84020.… ## Blog - [Blog](https://eseniorinsurance-demo-v2.pages.dev/blog): Medicare articles from Everything Senior Insurance: plan changes, premiums and deductibles, Medicare Advantage benefits and enrollment tips. - [Medicare Advantage Benefits Are Changing in 2025 – Here’s What You Need to Know](https://eseniorinsurance-demo-v2.pages.dev/medicare-advantage-benefits-are-changing-in-2025-heres-what-you-need-to-know): Five Medicare Advantage benefits being reduced or cut for 2025: Part B give-back, dental maximums, OTC allowances, drug deductibles and medical cost… ## Tools - [Medicare Calculators](https://eseniorinsurance-demo-v2.pages.dev/tools): Free 2026 Medicare calculators: IRMAA surcharge estimate, Part B and Part D late-enrollment penalties, your enrollment windows by birthday, and Plan G vs… ## Legal - [Privacy Policy](https://eseniorinsurance-demo-v2.pages.dev/privacy-policy): How Everything Senior Insurance collects, uses and protects the information you share when you contact the agency or use this website. - [Terms and Conditions](https://eseniorinsurance-demo-v2.pages.dev/terms-and-conditions): Terms of use for the Everything Senior Insurance website, including the Medicare marketing disclaimers required by CMS. ## Tools (agent-callable) - [WebMCP manifest](https://eseniorinsurance-demo-v2.pages.dev/.well-known/mcp.json): JSON-RPC 2.0 endpoint at https://eseniorinsurance-demo-v2.pages.dev/mcp (POST; `tools/list`, `tools/call`). No authentication, no PII stored. - `medicare_part_b_penalty`: Estimate the Medicare Part B late-enrollment penalty for 2026: 10% of the standard premium ($202.90) per full 12-month period without Part B. - `medicare_part_d_penalty`: Estimate the Medicare Part D late-enrollment penalty for 2026: 1% of the national base premium ($38.99) per month without creditable drug coverage. - `medicare_irmaa_estimate`: Estimate 2026 Part B and Part D IRMAA surcharges from 2024 modified adjusted gross income and filing status. - `medicare_enrollment_window`: Return a person's Initial Enrollment Period, Medicare start date and the other enrollment windows from their date of birth. - `medigap_plan_g_vs_n`: Compare the yearly cost of Medigap Plan G and Plan N from their premiums and expected office and ER visits (2026 Part B deductible $283). - `medicare_2026_costs`: The official 2026 Medicare Part A and Part B premiums, deductibles and coinsurance amounts, with the CMS source. - `agency_service_area`: Whether Everything Senior Insurance is licensed in a given US state, plus office contact details and hours. - [Medicare calculators for people](https://eseniorinsurance-demo-v2.pages.dev/tools): the same five calculators as web forms. ## Optional - [Sitemap](https://eseniorinsurance-demo-v2.pages.dev/sitemap.xml) - [Full text](https://eseniorinsurance-demo-v2.pages.dev/llms-full.txt)