Every year, plans change or drop coverage for millions of people, but very few check to see what actually changed. We check every plan line by line, and show you what fits and why.
78% of people on Medicare say shopping for or switching plans makes them anxious (Deft Research, 2026). That isn't a personality problem. Look at what the decision actually asks of you.
39 plans
available to the average person in 2026, before you count stand-alone drug plans or the ten Medigap letters. It's confusing to know this one fits you best.
KFF, Medicare Advantage 2026 Spotlight (Dec 2025)
7 in 10
people on Medicare don't compare their coverage against other options at all. Plans change annually, and skipping it could put you in a worse situation next year.
KFF analysis of the Medicare Current Beneficiary Survey (2022 survey data)
Over 3 million
people will have their Medicare Advantage plan cancelled or changed in 2027, and will need to make changes.
The calls, the ads and the plan changes all come from the same place: a system built around the sale, not around you. That's what we set out to fix.
Your doctors, your prescriptions, your pharmacy, what you actually use. One question at a time.
Every plan in your county, checked against your list. Not sorted by price and handed back to you.
Enroll online yourself, or get matched with a licensed advisor. Either way, nothing happens until you say so.
Takes about 5 minutes. No phone number required.
Sample check, shown to illustrate. Every plan in your county goes through the same one.
We're a licensed, independent agency. Carriers pay us a commission when someone enrolls through us, and that has no effect on how plans rank. When the best fit for you is a plan we can't enroll you in, we tell you that and send you straight to Medicare.gov or the carrier.
1 in 5
of the plans we recommend pay us no commission at all. We still recommend them.
TPP data, August 2026
About 1 in 4
Medicare Advantage comparisons come back “keep the plan you already have.” Then we say so.
TPP data, August 2026
Our tools don't ask for your phone number.
You talk to someone when you decide you want to, not before.
A client expected Medicare to cost less than the plan she was leaving. Premiums were higher, but once we ran her doctors and prescriptions, her out-of-pocket exposure came in lower than the employer coverage she was giving up. She enrolled knowing both numbers.
A client’s Tier 3 copay was quietly moving to 18% coinsurance for the new year. We confirmed her doctors were accepted elsewhere and moved her before the change took effect.
A client had been told the wrong dates by a previous agent. Her guaranteed issue window was still open by a day, so she got Plan G (Medicare Supplement, which helps pay what Original Medicare doesn’t) without medical underwriting.
Read all 8 cases, including the math
Estimated savings based on each client's reported costs. Your results will be different.
Medicare.gov is a fine place to start. It sorts by cost, doesn't show real Medigap rates, and stops at enrollment. Here's what's different here.
Medicare.gov
A cost-sorted list, then you're on your own.
The Pocket Protector
Ranked against your own doctors, drugs and budget.
Medigap is standardized in most states, so the letter tells you what it pays. Only the premium moves, and Medicare.gov doesn't show it.
Sample rates, shown to illustrate the spread.
8,083 Medicare plans and 7,389 Medigap rates indexed as of August 2026, including Medicare SELECT plans Medicare.gov doesn't display. Verified against live Medicare.gov sessions, August 2026. Full methodology available on request.
One in four people who pick a new Medicare Advantage plan leave it within three months (Deft Research, 2023). Usually because something wasn't what they expected. When you enroll through us, you have somewhere to bring that.
Screens shown are samples, not a bill result or coverage quote.
Still unsure after these? Call 1-866-764-3312 (TTY 711), 7am to 7pm CST.
Run the comparison with their doctors and prescriptions.
Start a comparison for themLower group-plan and COBRA costs when employees choose the coverage that fits.
For employersTakes about 5 minutes. No phone number required.