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The Pocket Protector, home

2027 Annual Enrollment is open - over 5 million face coverage changes. See where you stand.

We check every plan line by line, and show you what fits and why.

  • Takes about 5 minutes
  • No forced sales calls
  • Always free to you

What Pocket Protector clients say

  • I have filled out my information and gotten the results that you suggest… it’s much better than what I’m paying now.
    Las Vegas, NV · Pocket Protector Client
  • Your organization is so helpful, and it seems like the help is free, and you’re not trying to sell me something. It’s too good to be true.
    Kaneohe, HI · Pocket Protector Client
  • That’s a neat system… it’s easy to use. Pretty clear in how you go about things.
    Casselberry, FL · Pocket Protector Client
  • This has been a very interesting experience, and I was amazed to find out about it in an article in the paper. And I appreciate all your help.
    Winter Park, FL · Pocket Protector Client
  • You put my mind at ease. … You sound like you know what you’re doing and I really appreciate your transparency.
    Manasquan, NJ · Pocket Protector Client
  • I guess I called the right number at the right time to get the good stuff.
    Highland Park, IL · Pocket Protector Client
  • I think you’ve answered all my questions. … You’ve looked at them, so it sounds like you’ve probably done my shopping for me.
    Milwaukie, OR · Pocket Protector Client
  • I do get very confused on all this nonsense. … You figured it out and I’m ever so grateful.
    Orlando, FL · Pocket Protector Client
  • I spoke with somebody from Humana and I was looking on my own. And I think that you understood the situation and got me in the one that I feel comfortable with.
    Pittsburgh, PA · Pocket Protector Client
  • It was a pretty detailed call, which I like.
    Buffalo Grove, IL · Pocket Protector Client
  • Pocket Protector comes highly recommended from a friend, an attorney.
    Ewa Beach, HI · Pocket Protector Client
  • I have to tell you, you do a lovely job.
    Chicago, IL · Pocket Protector Client
  • Thank you very much. You were very helpful.
    Arab, AL · Pocket Protector Client
  • You’ve been the one that’s helped me so much.
    Pittsburgh, PA · Pocket Protector Client
  • I guess I’ll just stick where I’m at, but I appreciate your assistance.
    Carrollton, TX · Pocket Protector Client

Three steps. You stay in charge of all of them.

  1. Tell us what matters.

    Your doctors, your prescriptions, your pharmacy.

  2. We do the comparison.

    Every plan in your county, checked against your list.

  3. You decide what happens next.

    Enroll online yourself, or get matched with a licensed advisor.

Animation of the plan finder on a phone: 48 plans in the county narrow to 1 as doctors, prescriptions, benefits, costs and budget are checked.

It's not you. It's how the system is built.

78% of people on Medicare say shopping for or switching plans makes them anxious (Deft Research, 2026).

39 plans

available to the average person in 2026, before you count Medigap or drug plans.

KFF, Medicare Advantage 2026 Spotlight (Dec 2025)

7 in 10

people on Medicare don't compare their coverage against other options at all.

KFF analysis of the Medicare Current Beneficiary Survey (2022 survey data)

Over 5 million

people will have their Medicare Advantage plan cancelled or changed in 2027.

Wakely analysis of CMS 2027 landscape and crosswalk files (Oct 2026): 6.3 million members in ended or crosswalked plans

The system is built to make money off of you. That's what we set out to fix.

We'll point you at a planwe make nothing on.

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.

See how we get paid
  • 1 in 5

    of the plans we recommend pay us no commission at all.

  • 1 in 4

    Medicare Advantage comparisons come back “keep the plan you already have.”

  • Never required

    Our tools never require a phone number to use them. You talk to someone when you decide you want to, not before.

TPP data, August 2026

What this looks like for real people

New to Medicare

New to Medicare, shocked by the cost

Lowerout-of-pocket costs

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.

Medicare Advantage

Hidden drug cost increase caught before it hit

$3,000+est. annual savings

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.

Plan G / Medigap

Guaranteed issue window, saved with one day to spare

$2,500–$4,000est. annual savings

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.

* Estimated savings based on each client's reported costs. Results may vary.

See more cases

A short list is only worth something if someone looked at the long one.

What you getTPPMedicare.gov
Shows you every planYesNo
Gives you a recommendationYesNo
Contests your bills & handles appealsYesNo
No phone number required, no callsYesYes
Sign up online or by phoneYesYes
Does all of the aboveYesNo

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.

Enrolling isn't the end of it

One in four people who pick a new Medicare Advantage plan leave it within three months (Deft Research, 2023).

The Pocket Protector app, shown on three phone screens
Ask Dorothy
Explains your plan in plain words, in the app.
Bill review
Help challenging a bill you think is wrong.
Deadline reminders
Your windows and dates, before they matter.
Appeal letters
If a claim is denied, we draft the appeal for you.
Remove My Info
Free help getting off the data-broker lists that feed the calls.
Download on the App StoreGet it on Google Play

Questions people ask first

Still unsure after these? Call 1-866-764-3312 (TTY 711), Monday to Friday, 8am to 6pm CST.

Let's make sure you're in the right Medicare plan for you.