The Pocket Protector Promise
We believe you deserve transparent, unbiased advice, and an advocate who will fight on your behalf through the life of your plan through us.
Medicare decisions are some of the most important financial choices people make, but the process isn't always built to help them. Commissions vary by plan, most recommendation tools are black boxes, and not every option gets equal airtime.
We built The Pocket Protector to do it differently, to only do what's best for the client. Regardless of what we get paid.
This is what we promise. It's what we believe every Medicare broker in America should commit to. And it's how we want to be held accountable.
The Five Commitments
Total Transparency
We open the curtain — completely.
- Our recommendation engine is open source. Search for The Pocket Protector on GitHub and you'll find the actual code that powers our plan recommendations — open for anyone to audit.
- We publish exactly how Medicare brokers get paid — including us. The numbers, the carriers, the incentives. How We Get Paid
- Every comparison tool is free. Always. No paywall. No upgrade tier. No premium features behind a credit card or a sales call.
- No tool requires an email or phone number to use. Compare plans, check your doctors, see your drug costs without being required to sign up for anything unless you choose to do so.
Every Plan, Not Just Ours
Your options shouldn't be limited by what pays us.
- We compare every plan type: Medicare Advantage, Medigap (Medicare Supplement), Prescription Drug Plans (Part D), and Original Medicare. Not just the ones that earn us a commission.
- We help you enroll in non-commissionable plans when they're right for you — even when we earn nothing. Some brokers won't offer plans that don't make them money. We recommend their plans anyway when they fit your needs better, regardless of the financial outcome for The Pocket Protector.
- Our Licensed Medicare Advisors are here as resources, not agents. They have no sales quotas to hit and no high-pressure scripts to follow. They're paid to give you good advice, not to close.
Digital-First. Human When You Want.
Self-serve everything online. Reach a real advisor the moment you want one.
- Use any TPP tool, anytime — no signup, no phone call required. Compare plans, check your doctors, see your drug costs entirely on your own.
- A Licensed Medicare Advisor is available whenever you want one. You decide when to bring in a human, not the other way around.
- Download the TPP app and you're matched with your own advisor — and they're yours for as long as you keep working with us. They know your plan, your doctors, your medications, your story. No re-explaining yourself to a different person every time.
We Have Your Back Forever
The work doesn't end when you enroll. That's when most people need the most help.
- Claims help — we walk you through filing a claim for reimbursement or payment.
- Appeals support — if a claim or coverage decision gets denied, we help you challenge it.
- Drug coverage exceptions — if you need a medication that isn't on your plan's formulary, we help you request coverage.
- Snap a photo of a confusing medical bill right in the TPP app. We'll review it, explain what you're actually being charged for, and if we think you were overcharged, we'll send a note to your carrier on your behalf.
Proactive Alerts
We monitor your plan so you don't have to.
- Monthly drug price monitoring — we alert you when your medication costs change so you can adjust before refill season.
- Network change notifications — if your doctor or hospital leaves your plan's network, you hear it from us first. Not from a denied bill three months later.
- Year-round plan check-ins — not just at renewal time.
- Free TPP app for 24/7 plan access — available now on the Apple App Store, with Google Play coming soon. Your plan info, your advisor, your benefits, all in one place.
Same plans, same premiums, very different experience.
“I've spent my career working in Medicare — as an attorney, as an advisor, and now as a founder. Along the way, I kept asking the same question: why is it so hard for people to get straightforward, unbiased help choosing a plan? That's what led me to create The Pocket Protector.”
Mike is the Founder & CEO of The Pocket Protector. He is a licensed attorney and health insurance agent with over a decade of focused practice in Medicare and senior services. He started The Pocket Protector to give seniors the tools and guidance they need to make some of the most important decisions of their lives — how to pay for their healthcare. Full bio →
Ready to find your plan the honest way?
Use our free tools, talk to a Licensed Medicare Advisor, or both. No pressure. No gates.