We help you find and enroll in the right Medicare plan, without a single sales call.

Whether you're new to Medicare, re-evaluating your plan, or dealing with a confusing medical bill, our 30+ free tools compare every option in your ZIP and give you a straight answer.

When you find your fit, enroll right here. Our tools and guidance are free. Plan premiums and other coverage costs still apply.

Browse all tools

100% free · No spam calls, ever

People come to us with…

I'm approaching Medicare and don't know where to start.

Sign-up walkthrough

Your deadlines, plan choices, and sign-up steps, mapped in plain English.

Carriers pay us only if you enroll. How we get paid

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.

Medicare Advantage plans compared

8,000+

Medigap rates on file

7,300+

Medicare physicians searchable

2.8M+

States where we're licensed

48+DC

Worth knowing

Late penalties are permanent.Part B and Part D late-enrollment penalties last as long as you have Medicare.

The same letter plan is identical everywhere.Medigap plans are standardized by law. Plan G at one carrier is Plan G at every carrier. Only the price differs.

IRMAA surcharges can be appealed.After a life change like retirement, many people qualify to have the surcharge reduced. Most never file.

Each one is verifiable on Medicare.gov or SSA.gov.

Start here

Start with your situation

Pick the path that matches where you are. Each one opens its own toolkit.

Prefer to talk it through? Call 866-764-3312 · get matched with an advisor

Plan directories

Browse Medicare plans by type

Explore plan names, carriers, costs, benefits, and coverage details in our public directories.

Full transparency

How it works, and why it's free

An overview of how our tools and guidance are funded.

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.

Carrier compensation supports our work

We may receive compensation when you enroll through us. Arrangements vary by carrier and plan.

30+ free tools. No sign-up, no account.

How do I transition into Medicare?

Medicare Advantage vs. Medigap

Work through the biggest decision in Medicare.

Sample data for illustration

Am I on the right plan?

Sample data for illustration

Compare against your current plan

Enter your plan and see how it ranks in your area.

Will my doctors and prescriptions be covered?

Check your doctors

See which plans include your doctors in network.

Sample data for illustration

What will I actually pay?

Sample data for illustration

IRMAA surcharge calculator

See whether your income raises your Part B and Part D premiums.

Is this plan, or this hospital, any good?

CMS star ratings

Official quality ratings for every Medicare Advantage plan.

Sample data for illustration

See all tools

The TPP app

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.

Match me with an advisorOr call 866-764-3312

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.

The Pocket Protector Promise

Honesty is the whole business model

Clear answers, honest advice, and support for our members after enrollment.

Zero sales pressure

We show you the data as CMS publishes it, including when the honest answer is keeping the plan you already have.

Your needs come first

We explain your options and recommend coverage based on your needs, regardless of what we earn.

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.

Read our Promise

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.

How we get paid Client stories

Common questions

Straight answers, no fine print.

Is The Pocket Protector really free?

Yes. Our tools and guidance are available at no cost to you. Carrier compensation helps support our work. Plan premiums and other coverage costs still apply.

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?

We recommend coverage based on your needs, regardless of what we earn. Our tools consider your doctors, drugs, costs, benefits, and preferences, and we explain the tradeoffs. Read our commitment in the Pocket Protector Promise.

Read the Pocket Protector Promise

Can 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 46 states + DC when you want a human.

Call 866-764-3312

TTY: 711 · 7:00 AM to 7:00 PM CST, seven days a week · Ayuda disponible en español

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.

Medicare Advantage plans compared

8,000+

Medigap rates on file

7,300+

Medicare physicians searchable

2.8M+

States where we're licensed

48+DC

Worth knowing

Late penalties are permanent.Part B and Part D late-enrollment penalties last as long as you have Medicare.

The same letter plan is identical everywhere.Medigap plans are standardized by law. Plan G at one carrier is Plan G at every carrier. Only the price differs.

IRMAA surcharges can be appealed.After a life change like retirement, many people qualify to have the surcharge reduced. Most never file.

Each one is verifiable on Medicare.gov or SSA.gov.

Start here

Start with your situation

Pick the path that matches where you are. Each one opens its own toolkit.

Prefer to talk it through? Call 866-764-3312 · get matched with an advisor

Plan directories

Browse Medicare plans by type

Explore plan names, carriers, costs, benefits, and coverage details in our public directories.

Full transparency

How it works, and why it's free

An overview of how our tools and guidance are funded.

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.

Carrier compensation supports our work

We may receive compensation when you enroll through us. Arrangements vary by carrier and plan.

30+ free tools. No sign-up, no account.

How do I transition into Medicare?

Medicare Advantage vs. Medigap

Work through the biggest decision in Medicare.

Sample data for illustration

Am I on the right plan?

Sample data for illustration

Compare against your current plan

Enter your plan and see how it ranks in your area.

Will my doctors and prescriptions be covered?

Check your doctors

See which plans include your doctors in network.

Sample data for illustration

What will I actually pay?

Sample data for illustration

IRMAA surcharge calculator

See whether your income raises your Part B and Part D premiums.

Is this plan, or this hospital, any good?

CMS star ratings

Official quality ratings for every Medicare Advantage plan.

Sample data for illustration

See all tools

The TPP app

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.

Match me with an advisorOr call 866-764-3312

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.

The Pocket Protector Promise

Honesty is the whole business model

Clear answers, honest advice, and support for our members after enrollment.

Zero sales pressure

We show you the data as CMS publishes it, including when the honest answer is keeping the plan you already have.

Your needs come first

We explain your options and recommend coverage based on your needs, regardless of what we earn.

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.

Read our Promise

Our take

Why we show you plans we don't sell

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.

How we get paid Client stories

Common questions

Straight answers, no fine print.

Is The Pocket Protector really free?

Yes. Our tools and guidance are available at no cost to you. Carrier compensation helps support our work. Plan premiums and other coverage costs still apply.

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?

Read the Pocket Protector Promise

Can 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?

Decide from the whole market

Answer a few questions and we'll route you to the right tools for your situation. Licensed advisors in 46 states + DC when you want a human.

Call 866-764-3312

TTY: 711 · 7:00 AM to 7:00 PM CST, seven days a week · Ayuda disponible en español