The whole market, in one place
Data from Medicare (CMS), NAIC, state insurance departments, and the NPPES physician registry. Verify our licensingThe rankings include every plan, whether it pays us or not. You decide.Worth knowing
Each one is verifiable on Medicare.gov or SSA.gov.
Start with your situation
Pick the path that matches where you are. Each one opens its own toolkit.How it works, and why it's free
No mystery and no fine-print surprises. The entire business model in three steps.You compare, free
Every tool, every plan, every rate. No account, no credit card, no obligation.
You decide
Enroll through us, through another agency, directly with a carrier, or not at all. Keeping your current plan is a fine answer.
Carriers pay us, not you
If you enroll through us, the carrier pays a commission. Your premium is the same either way.
30+ free tools. No sign-up, no account.
How do I transition into Medicare?
Work through the biggest decision in Medicare.
Am I on the right plan?
Enter your plan and see how it ranks in your area.
Will my doctors and prescriptions be covered?
See which plans include your doctors in network.
What will I actually pay?
See whether your income raises your Part B and Part D premiums.
Is this plan, or this hospital, any good?
Official quality ratings for every Medicare Advantage plan.
Your Medicare help, in your pocket
The free TPP app puts your plan, your advisor, and your benefits in one place.
- Ask anything about your planDorothy, the in-app assistant, answers plan questions in plain English.
- Check a bill for overchargesUpload a medical bill. We compare it to your EOB and flag likely overcharges.
- Appeal with a ready-to-send letterIf a charge looks wrong, the app drafts the appeal letter for you.
Sample screens. Data shown is for illustration only.
Help on your terms
Tell us what you need and we'll match you with a licensed advisor who fits your situation. You start the conversation, and only when you want to.
- You reach out, never the other wayNo cold calls and no spam. Your number is never sold.
- Matched to your needsYour advisor is chosen for your plans, your priorities, and your state.
- No pressure, everWe're paid only if you choose to enroll. Keeping your current plan is a fine answer.
Honesty is the whole business model
Five public commitments to everyone we serve, whether you enroll with us or not.Zero sales pressure
We show you the data as CMS publishes it, including when the honest answer is keeping the plan you already have.
Paid only if you enroll
Carriers compensate us only when you choose to enroll through us. Your premium is identical either way.
Your data stays yours
No spam calls, ever. We even built a free tool to remove your info from the data brokers who sell it.
Our take
Why we show you plans we don't sell
Our rankings score every plan in your ZIP for your doctors, drugs, and budget, including plans that pay us nothing and plans we can't sell at all. If one of those fits you best, that's the one you'll see ranked first.
What we tell people whose plan is already right
Keep it, and we'll say so. Many people who run a comparison learn their current plan holds up. Confirmation is a fine outcome; you leave knowing where you stand.
Common questions
Straight answers, no fine print.Is The Pocket Protector really free?
Yes. Carriers pay us a commission. You pay the same premium whether you enroll through us, another broker, or directly with the carrier. There's no fee, no markup, no catch.
How is this different from Medicare.gov?
Medicare.gov shows you plans. We compare them based on your drugs, doctors, and budget, then explain the tradeoffs a plan finder can't. We're licensed brokers, not a government website.
Do you recommend plans based on what pays you the most?
No. Commission is never a factor in our recommendations. Our tools score plans on your drugs, doctors, costs, and star ratings, nothing else. We publish this commitment in the Pocket Protector Promise.
Read the Pocket Protector PromiseCan I keep my doctors if I switch plans?
Our tools check your doctors against every plan's provider network before recommending anything. If keeping a specific doctor matters to you, we'll only show plans where they're in network.
What if I'm still working and have employer insurance?
We built a tool specifically for this. It compares your employer plan costs side by side with Medicare options so you can see the actual numbers, not guesswork.
When can I change my Medicare plan?
Most people can switch during the Annual Enrollment Period, October 15 to December 7. But there are other windows depending on your situation. If you're turning 65, leaving employer coverage, or have Medicaid, you may have options right now.
Decide from the whole market
Answer a few questions and we'll route you to the right tools for your situation. Licensed advisors in 48 states + DC when you want a human.
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