# 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.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](https://eseniorinsurance-demo.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](https://eseniorinsurance-demo.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](https://eseniorinsurance-demo.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… - [Part D](https://eseniorinsurance-demo.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… - [Prevent Medicare Fraud](https://eseniorinsurance-demo.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… ## Health - [Affordable Care Act](https://eseniorinsurance-demo.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 & Hearing Plans](https://eseniorinsurance-demo.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](https://eseniorinsurance-demo.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 Us](https://eseniorinsurance-demo.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](https://eseniorinsurance-demo.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 Us](https://eseniorinsurance-demo.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.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.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… - [Understanding Medicare Costs in 2024: Premiums, Deductibles & Coverage](https://eseniorinsurance-demo.pages.dev/understanding-medicare-costs-in-2024-premiums-deductibles-coverage): 2024 Medicare costs explained: Part A premiums, the $1,632 hospital deductible and daily coinsurance, the $174.70 Part B premium and $240 deductible, IRMAA… ## Tools - [Medicare Calculators](https://eseniorinsurance-demo.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.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.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.pages.dev/.well-known/mcp.json): JSON-RPC 2.0 endpoint at https://eseniorinsurance-demo.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.pages.dev/tools): the same five calculators as web forms. ## Optional - [Sitemap](https://eseniorinsurance-demo.pages.dev/sitemap.xml) - [Full text](https://eseniorinsurance-demo.pages.dev/llms-full.txt)