The safest & best employer Medicare tool · Free
The safest way for employers to help
The safest way for employers to help
employees navigate Medicare.
The only employer Medicare tool that will tell your employees to stay on your plan when that's the right call. No financial relationship. No sales pressure. Built by a Medicare regulatory attorney.
🏢
I'm an HR Admin
Set up in 5 minutes. Upload plan details, get a unique link for employees. Zero risk.
👤
I'm an Employee
Your employer gave you access. Get a real answer — not a sales pitch — in 5 minutes.
Why it's the safest.
✓ Impartial by design — recommends "stay on your plan" when the math says so. Every other service earns $0 if you stay.
✓ Zero financial nexus — no payment flows either direction. The MSP anti-incentive rule can't touch a relationship that doesn't exist.
✓ Employee data firewalled — health info encrypted and never accessible to the employer. HR sees aggregate stats only.
✓ Audit-ready certification — every recommendation carries an impartiality certificate. Paper trail if anyone asks.
Why it's the best.
✓ Side-by-side cost comparison: employer plan vs. Medicare
✓ Doctor network check — are your doctors on Medicare?
✓ Drug-by-drug formulary cost comparison
✓ IRMAA income check + personalized deadline calendar
✓ Downloadable PDF for financial advisors
✓ Optional free call with a licensed Medicare advisor
How we compare
| TPP | Medicare Brokers | HR Platforms | |
|---|---|---|---|
| Self-service decision tool | ✓ | ✗ | ✗ |
| Will recommend "stay on employer plan" | ✓ | ✗ | N/A |
| No financial nexus with employer | ✓ | ⚠ | N/A |
| Employee data hidden from employer | ✓ | ⚠ | N/A |
| Impartiality certification | ✓ | ✗ | ✗ |
| Cost to employer | $0 | $0* | $$ |
* Medicare brokers are free but earn carrier commissions — creating an incentive to move employees off your plan.
How It Works
1
HR uploads plan details
Upload SPD or answer a few questions. AI parses it.
5 min2
Send one email
We give you the template. Employees click and start.
5 min3
Employees get the truth
Personalized comparison. Deadlines. Honest recommendation.
Auto
🛡️ MSP Compliant
🔒 HIPAA
⚖️ Impartiality Certified
📋 40+ States
Built by a Medicare attorney (JD)
This tool provides educational information and personalized analysis. All recommendations are impartial — we will recommend staying on your employer plan when that is the better option. No financial relationship exists between your employer and The Pocket Protector. Employee data is encrypted and never shared with employers. Call 866-764-3312 (TTY: 711).