# Everything Senior Insurance

> Everything Senior Insurance is an independent Medicare insurance agency in Draper, Utah, founded by Christian Brindle (formerly Christian Brindle Insurance Services). It helps people compare Medicare Advantage, Medigap and Part D plans at no cost. Phone 801-255-5340.

This is a design demo of the https://eseniorinsurance.com redesign. Request any page with `Accept: text/markdown` to receive its Markdown version, or read /md/<page>.md directly. Full text: /llms-full.txt.

## Pages

- [Everything Senior Insurance | Medicare, made personal](https://eseniorinsurance-redesign-demo.pages.dev/): Personal Medicare guidance from Everything Senior Insurance.
- [Medicare Advantage Plans Explained](https://eseniorinsurance-redesign-demo.pages.dev/medicare-advantage/): How Medicare Advantage (Part C) works: networks, copays, the yearly out-of-pocket limit, extra benefits, what to do if your plan is ending, and how to compare plans for 2027.
- [Medigap (Medicare Supplement) Plans Explained](https://eseniorinsurance-redesign-demo.pages.dev/medigap/): How Medicare Supplement (Medigap) plans work with Original Medicare: Plan G vs Plan N, what each covers in 2026, when you can buy without health questions, and how premiums are priced.
- [Medicare Part D Drug Coverage in 2026](https://eseniorinsurance-redesign-demo.pages.dev/part-d/): How Medicare Part D prescription coverage works in 2026: the $2,100 out-of-pocket cap, the $615 maximum deductible, formularies and tiers, the late-enrollment penalty, and how to compare drug plans.
- [Medicare 101: How Medicare Works](https://eseniorinsurance-redesign-demo.pages.dev/medicare-101/): Medicare explained from the start: Parts A, B, C and D, what each costs in 2026, when to enroll, and eight plain-English guides written by the Everything Senior Insurance Data Desk.
- [Who Is Eligible for Medicare](https://eseniorinsurance-redesign-demo.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 still working.
- [Medicare Enrollment Periods: IEP, AEP, OEP and SEP](https://eseniorinsurance-redesign-demo.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 Advantage Open Enrollment, Medigap open enrollment and Special Enrollment Periods.
- [How to Enroll in Medicare, Step by Step](https://eseniorinsurance-redesign-demo.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 to add Part D, Medigap or Medicare Advantage, and how to delay Part B correctly.
- [Turning 65: Your Medicare Checklist](https://eseniorinsurance-redesign-demo.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 what to do if you are still working.
- [Medicare vs Medicaid: What Is the Difference](https://eseniorinsurance-redesign-demo.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 covers, and how dual-eligible people get both plus Extra Help and Medicare Savings Programs.
- [Medicare Costs in 2026: Premiums, Deductibles and IRMAA](https://eseniorinsurance-redesign-demo.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 table, Part D deductible up to $615 and the $2,100 drug cap, with ways to lower your costs.
- [Medicare Late-Enrollment Penalties: Part B and Part D](https://eseniorinsurance-redesign-demo.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 calculated in 2026, who is exempt because of employer coverage, and worked examples.
- [Medicare Part D in 2026: The $2,100 Cap and What Changed](https://eseniorinsurance-redesign-demo.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 Plan, and why plan premiums and deductibles moved.
- [Medicare Calculators: IRMAA, Penalties, Enrollment](https://eseniorinsurance-redesign-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 Plan N. Nothing is stored.
- [About Everything Senior Insurance and Christian Brindle](https://eseniorinsurance-redesign-demo.pages.dev/about-us/): Everything Senior Insurance is an independent Medicare agency founded by Christian Brindle in Utah, formerly Christian Brindle Insurance Services. Meet the team, see how we work, and read what clients say.
- [The Everything Medicare Podcast and TV Interviews](https://eseniorinsurance-redesign-demo.pages.dev/podcast/): Watch Christian Brindle explain Medicare changes on the Everything Medicare Podcast, KUTV and Fox 13: plan terminations, AEP, enrollment mistakes to avoid and what to do if your plan is ending.
- [Contact Everything Senior Insurance](https://eseniorinsurance-redesign-demo.pages.dev/contact-us/): Call Everything Senior Insurance at 801-255-5340, email info@eseniorins.com, visit the Draper, Utah office, or send your Medicare questions with the form and a licensed agent will follow up.
- [Privacy Policy](https://eseniorinsurance-redesign-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.
- [All four design concepts](https://eseniorinsurance-redesign-demo.pages.dev/design-concepts/): The four Christian Brindle and Glen Shelton brand redesigns: Everything Senior Insurance, Seven Figure, Lead Heroes and Hire Heroes.

## Tools (agent-callable)

- [/mcp](/mcp): JSON-RPC 2.0 WebMCP endpoint. Tools: medicare_irmaa_estimate, medicare_part_b_penalty, medicare_part_d_penalty, medicare_enrollment_window, medigap_plan_g_vs_n, medicare_2026_costs, agency_service_area. Server card at /.well-known/mcp/server-card.json.
- [/api/form](/api/form): POST a callback request (first_name, last_name, phone, email, consent=yes).

## Optional

- [Sitemap](https://eseniorinsurance-redesign-demo.pages.dev/sitemap.xml)
- [Full text](https://eseniorinsurance-redesign-demo.pages.dev/llms-full.txt)