A health-insurance marketplace & concierge — built so new-to-Medicare beneficiaries can shop and enroll online, and only get on the phone when it counts.
The data layer and decision engines that make Medicare shopping accurate, transparent, and self-serve.
iOS & Android — a pre- and post-sale tool for every adult, not just those on Medicare.
Digital acquisition at a low cost to acquire.
In TPP’s first paid new-to-Medicare acquisition test, 79% of leads chose self-service tools over an agent (Matchmaker test, May 11–Jun 29, 2026, n=271 — an early live test, not a forecast). New-to-Medicare (“NTM”) beneficiaries also tend to pay ~2× the commission and carry longer lifetime value than beneficiaries who are simply switching plans — but NTM is the harder sale, and that difficulty is exactly the gap we built it to close.
1. Many are a better fit for Med Supp + PDP than Medicare Advantage — a longer, harder sale:
2. NTM consumers often need multiple conversations to close, which decimates the higher commission — versus a switcher, who often switches in a single sub-hour conversation.
We drive better unit economics by keeping interactions digital and only getting on the phone when a beneficiary is highly likely to convert on that call. The tooling does the education and the homework up front, so expensive human time is spent only where it pays.
Capture the NTM consumer online, advise them accurately, and reserve the phone conversation for the moment it converts.
Founded to solve one problem: selling health insurance without having to get on a phone call.
| Leadership | Background |
|---|---|
| Michael Boshardy CEO & Co-Founder | Medicare regulatory attorney; 10+ years in health insurance. |
| Jarret DiToro Co-Founder | Former Chief Marketing Officer at GoHealth; built marketing in credit cards and mortgages before Medicare. |
| Patrick Kahn Head of Engineering (Philippines) | Multi-exit founder and computer scientist. |
| Joe Wald COO | 15+ years in health-insurance marketing and generative-AI optimization. |
~$90.6K/mo gross operating burn (US payroll $49,280, Manila $11,240, plus rent/tech/overhead), ~$70K/mo offset by an affiliated funding contribution (via NaviGap) → ~$20.6K/mo net. Full detail on the Financials tab.
The Pocket Protector is founder- and employee-owned, with no institutional investment.
NaviGap LLC — wholly owned by Michael Boshardy — is the parent and governing company of TPP.
An affiliated funding arrangement through NaviGap currently offsets most of TPP’s operating burn (detailed on the Financials tab). It is separable from, and not part of, an acquisition of the brokerage, and may be discontinued at NaviGap’s discretion.
Better than Zelis, Sunfire, and medicare.gov.
Differentiator: the ability to find the billing NPI at each facility. A provider (e.g., a PA) may look out-of-network because a different NPI at the location does the billing with the carrier — we resolve this, which we believe no competing tool does.
Accurate, transparent, and nuanced — and it includes all Plan G and PDP options, not a commission-filtered subset.
Prescription formularies: as good as all other vendors.
Our marquee product.
Compare a beneficiary’s current MA plan against everything else in their ZIP — and learn whether it’s actually the best. Includes a “keep my doctor” variation.
Coverage by location — see whether a plan covers the providers and facilities a beneficiary uses.
Customized per beneficiary so they never miss a Medicare deadline — harder than it sounds.
Routes each consumer to the best-fit human agent.
21 free consumer tools, plus the broader datasets & recommendation engines — see the Technology tab.
Everything is available in Spanish today, with more languages targeted before AEP.
Designed to be simple for the consumer to navigate end to end.
The Matchmaker funnel routes each consumer to the right path — self-serve, or the right human agent.
~$550 CAC — a low customer-acquisition cost during AEP.
Further marketing detail available in diligence.
Our standalone economics — carrier commissions against a lean, largely-offset cost base — are detailed on the Financials tab (cash basis, reconciled). Headline: ~$90.6K/mo gross operating burn, ~$70K/mo offset by an affiliated contribution → ~$20.6K/mo net; carrier commissions $67,611 to date, with 2026 year-to-date already ~2.5× full-year 2025.
Free to start (fees may be added over time).
Differentiating feature: take a picture of any medical bill or insurer bill and get (1) a plain-English summary, (2) an opinion on whether you should pay it, and (3) where applicable, a ready-to-sign-and-send appeal letter — including the relevant CPT codes, the specific issues to contest, and the correct address and method to send it.
The app gets us onto a consumer’s phone before they’re ready to buy insurance — proving value and expertise first — then becomes the post-enrollment companion.
Pre-sale acquisition and post-sale retention in one product.
Confidential strategic overview — our estimates; financial detail and methodology on the Financials tab.
A small senior team running continuously with a fleet of AI agents — lean headcount, strong operating leverage.
An independent health-insurance company run by a lean, global team across Chicago, Florida, and Manila, with a fleet of AI agents running continuously alongside it. Click any name to see their focus and where they’re based.
A lean team across three time zones (Chicago, Florida, and Manila) provides near-around-the-clock coverage, with specialist partners supporting specific workstreams. Headcount confirmed during diligence.
Named AI agents that run continuously. Functions and regions only — infrastructure specifics are withheld.
Plus a horizontally-scaled crawl fleet used for provider-directory data acquisition. (Bot roster is characterized, not enumerated as a headcount.) Source: internal operations records.
A consumer platform built around the buyer (who they are, and where they are in the journey) on top of a proprietary provider-network data layer, run by an AI-native operation, and open where it builds trust.
Live on thepocketprotector.com, powered by real CMS data. Rather than present an undifferentiated catalog, we route each consumer on two axes: which buyer they are, and where they are in the decision. Hover any tool below to see what it does and open it. Coverage figures are point-in-time (June 2026) and shift with the plan year.
Every tool earns its place by serving a specific moment, from a confused first-timer to a member we keep for years.
Each arrives with a different problem. Our platform is designed to solve the specific one.
A long, high-stakes decision that needs education before conviction. The platforms built to move employees off group plans steer everyone toward Medicare even when staying put is the better call. One example: when dropping a group plan would strip coverage from a spouse or dependent.
We teach first and give the honest answer, including "stay on your employer plan." Our Employer Group Coverage Lookup puts group versus Medicare side by side and flags the spousal-coverage risk the others ignore.
MA switchers are usually sold whichever plan has the flashiest benefits. That mismatch drives churn the next year and generates complaints (CTMs) that carriers penalize.
We ground every recommendation in the member's actual coverage, doctors, drugs, and preferences, so the plan we suggest is one they keep. Recommendations that stick mean lower churn and fewer CTMs, an outcome carriers reward.
Medigap is hard to enroll in without help, and the plans are standardized: identical coverage at very different rates, so price is the real question. These members also skew higher-income, where surcharges like IRMAA bite.
We show standardized Medigap rates from every carrier in the state so the member finds the same coverage for less, pair it with the right Part D, and add high-income value like the IRMAA calculator and appeal, with an advisor on hand for the complex parts.
Every free tool and guided experience, grouped by what the consumer is trying to do (around 35 in all), each on real CMS data. Descriptions and links from the live site, Jun 2026.
Where the web tools are point-in-time, Dorothy is continuous: an AI Medicare agent in both chat and voice that stays with the member across the whole journey. She is the buyer-side agent from the founding thesis, shipped as a product, and the engine of phase-three retention — a primary driver of whether a member stays past their first enrollment. Phase three of the journey — support and retain — runs almost entirely here.
Apple App Store ↗ · Google Play ↗Live consumer app. Capability description from the internal app brief, 2026-06-19.
Per our data inventory (Mar 2026), aggregated from 16 federal sources (CMS, DOL, FDA, NPPES). We are aware of no platform that aggregates this breadth in one place.
Plus 5,426 hospitals, 14,710 nursing homes, 22,059 ACA plans (2.2M rate records), and 7,389 Medigap rate estimates (276 carriers × 51 jurisdictions). The provider layer below is the in-network spine of this dataset.
Our differentiator is a proprietary plan → network → provider resolution layer that answers, fast: "Is this doctor, at this location, in-network for this plan, this year?" It is built by crawling each carrier's CMS-mandated FHIR provider-directory APIs (and PDF directories where no API exists), then reconciling every provider against the full national NPI registry (~9.5M providers).
This network layer powers the "Find a Doctor," "My Doctors," and neighborhood doctor-coverage tools — capabilities most comparison sites cannot offer because they lack the underlying data.
Source: internal engineering records. Infrastructure specifics withheld.
Durability of the lead: the moat is not the raw feeds, which are available to anyone; it is the integration, entity-resolution, and confidence-scoring layer built on top of them, the hard and expensive part to replicate. CMS's planned CY2027 standardization commoditizes raw feed access for everyone — which only increases the value of the integration layer we have already built.
Consistent with the alignment thesis, we publish our recommendation logic so that "no commission bias" is verifiable in code, not just claimed.
Also public: tpp-employer-tool, medsupp-apps.
Compliance posture includes a Business Associate Agreement for HIPAA-compliant AI use on health/financial data, and CMS marketing-compliance guardrails throughout. Production stack: Next.js / Cloud Run / CloudSQL Postgres.
Unit-economics figures are our estimates from the investor model; the Matchmaker line is an early live test. Not audited.
The build-vs-buy case: the data moat, its free toolkit, mobile app, compliant AI agents, and multi-state licensure above were built lean. A strategic buyer would spend well over a year, at substantially higher cost, to replicate the dataset, tooling, and compliant-AI stack. That capital efficiency is a core part of the asset.
The same data and engines, in the quoting-and-enrollment tool our licensed agents use — and a candidate for B2B licensing (see Business Model).
Where the consumer tools serve the member, our agent platform arms a licensed agent with the same provider-network data, drug pricing, and recommendation logic — turning judgment that used to live only in an experienced agent’s head into software a new agent can use on day one. Six capabilities set it apart from the quoting platforms agents use today:
Our mobile app (iOS & Android) is built for anyone with health insurance — employer, ACA/Marketplace, Medicaid, or Medicare — not Medicare members alone. Two features anchor it: Dorothy, an AI advisor that answers coverage questions in chat or by voice from the member’s own plan; and bill help, which turns a confusing medical bill into a plain-English summary, a flag on what looks wrong, and a ready-to-send appeal. The app is our pre-sale and post-sale surface: it earns a place on the phone before someone buys a plan, and keeps earning it afterward, whatever coverage they carry.
Snap a photo of any medical or insurance bill (multi-page) and get a structured, plain-English breakdown, a flag on charges that look wrong, and generated appeal text with a downloadable document package. It takes someone from “I got a confusing bill” to “here is what it says, what might be wrong, and what I can do next.”
Dorothy answers health-insurance questions in chat or by voice, reasoning from what the app knows about the member’s own plan (with explicit consent) rather than as a generic FAQ bot. She is built to say when something is unknown instead of guessing.
Shows the member’s actual benefits, not just stored documents, separating medical from drug coverage. Supports employer, ACA/Marketplace, Medicaid, Medicare Advantage, Medicare Supplement, and Part D — with IDs, eligibility, deductible / out-of-pocket, and cost-share rows.
Scan a card during setup (after an explicit AI-consent step); OCR prefills carrier, plan, member ID, and group. The member confirms every field, and the app previews what it believes is true before saving.
Members save their doctors and medications; the app shows plan-aware network and cost status when the data exists, and reuses it across Dorothy and coverage checks.
Appointments, to-dos, payments, renewals, and enrollment windows in one place, with proactive reminders and any plan-specific dates surfaced automatically.
For members shopping or on Medicare: plan search and compare, doctor / pharmacy / hospital lookup with CMS quality data, drug-cost estimates, coverage lookup, and enrollment guidance — the fragmented tasks people usually juggle across separate sites, bundled into one.
A licensed human advisor a tap away, support handoff, and member-controlled privacy: AI-consent management and revoke, biometric login, profile editing, and account deletion.
Capabilities reflect the current app build; availability of any specific answer depends on the underlying plan data. Decision support, not legal or coverage advice.
A diligence-grade benchmark of the Medicare distribution market, organized into four categories — Medicare platforms (private brokerages, marketplaces & carrier-direct), the public resource (Medicare.gov), health applications, and B2B solutions. Filter, sort, and open any row to check a claim yourself.
Pick any platform for a capability-by-capability comparison of where we lead and where the competitor does.
The private / commercial Medicare-distribution market — brokerages and digital marketplaces, plus lead-gen sites, carrier-direct portals, and research tools shown for completeness. TPP is pinned at the top; filter or sort to compare, and click any row for detail.
Source: TPP competitive analysis — 59 private platforms benchmarked (May 6, 2026), ZIP-verified where noted. Capability flags reflect public site behavior as of the May 2026 review.
Our employer tool competes most directly with SmartConnect (the B2B division of Spring Venture Group) — the "transition your 65+ employees to Medicare" service white-labeled by Mercer. The contrast is structural.
"Our algorithm doesn't earn a commission. If your group plan is the better deal, we'll tell you — SmartConnect can't, because their agents earn $0 when an employee stays on your plan and ~$600+ when they enroll in Medicare." A self-serve employer savings projection is a tool SmartConnect structurally cannot offer.
Source: "SmartConnect / Spring Venture Group — Competitive Intelligence Brief," prepared for TPP, June 2, 2026, from public sources (SEC, BBB, Glassdoor, SmartConnect/Mercer/ParetoHealth collateral). Figures are SmartConnect's own disclosures or the brief's estimates.
We make three claims. A digital enrollment funnel with call-center unit economics. A testing engine that compounds those economics every cycle. And a funnel that turns every interaction into proprietary preference data. This page is the evidence, with proven figures and modeled targets kept clearly apart.
Coverage gaps in Original Medicare push 75% of consumers into private-market plans, where the recurring commission revenue lives. The private segments are where we earn.
Profitable, fully digital Medicare enrollment is something the category has chased for years without success. Prior digital-only attempts ran north of $2,000 per enrollment and never scaled. In live 2025 AEP testing, we enrolled members entirely online at a $550 CPA, on par with the telephonic acquisition costs of public brokers, and without a year-round agent force to carry off-season.
| Player | Model | Cost / enrollment | LTV | LTV : CAC |
|---|---|---|---|---|
| The Pocket Protector | Digital-first | $550 | $893* | 1.6× |
| Legacy digital-only attempts | Marketplace / self-serve | >$2,000 | $893* | 0.45× |
| eHealth (EHTH) | Telesales + marketplace | $1,087 | $934 | 0.86× |
| GoHealth (GOCO) | Marketplace + agents | $501 /sub | N/D | N/D |
The edge is not any single cohort; it is the rate of improvement across cycles. In one 2025 AEP, the team shipped five funnel versions on under $30K of media, more than doubled click-to-enrollment, and cut CPA by roughly $300. The same instrumentation produced a step-by-step, funnel-level path to a $300 CPA.
We ran a live test to understand consumer preferences and confirm our market fit, giving people the choice of how they wanted to interact with us: research and decide on their own through our tools, or speak with an advisor. Their choices confirmed the target buyer: new-to-Medicare consumers who prefer to enroll digitally rather than through an agent, and who want to research before they commit. We captured all of it at $2.90 per lead across 271 contacts.
"One of the best leads I have ever experienced in all my years selling Medicare. Zero bait and switch. I called and the consumer was prepared with their Medicare card and ready to discuss their plan options with me."
Because consumers enter their actual doctors and prescriptions, every session builds a structured profile that makes our recommendation engine smarter and our digital enrollment more accurate. Two examples of what that data reveals.
Enrollment & funnel figures. Based on actual ad funnel statistics from AEP 2025. Reflects digital-only cost per completed enrollment.
Preference figures. From a live consumer-preference test run May 11 to June 29, 2026 (n=271). An initial live test, not a forecast.
Market sizing. CMS enrollment data and our investor materials.
Competitor figures. Public filings (EHTH, GOCO, SLQT) and Crunchbase. GoHealth's $501 is a stated cost-per-submission; LTV not disclosed (N/D).
* Expected LTV (~$893) is benchmarked to a public-brokerage three-year average. Our own realized retention data is still maturing, and LTV:CAC ratios use this expected LTV. "$300 CPA" and other forward figures are modeled targets. "$550 CPA" is a realized, in-market result.
Our core engine — a proprietary data layer, a compliant AI advisor, and a comparison model that competes on the honest answer instead of a commission — was built for Medicare, but its components are domain-agnostic: the same data layer already holds 22,059 ACA plans and 2.2M rate records, and the document-ingestion and recommendation engines carry straight over. We reuse that engine in two markets next door — the forced, time-pressured decision when someone leaves a job, and the small-group employer channel.
The COBRA-vs-Marketplace decision tool — the wedge into the under-65 ACA market
What it is. Upload your COBRA election paperwork and we tell you — for your specific situation — whether keeping COBRA or moving to an ACA Marketplace plan is the better deal.
The strategy. Leaving a job is one of the few moments a consumer is forced into a high-stakes coverage decision on a 60-day clock, and losing job-based coverage opens a Special Enrollment Period on the Marketplace. COBRA can charge up to 102% of the plan’s total cost — the full premium the employer was quietly absorbing, plus a 2% fee — so the price jumps to a number most people have never seen. Whether COBRA or an often-subsidized Marketplace plan wins turns on income, subsidy eligibility, the deductible already met, and network — the same case-by-case comparison our engine already makes for Medicare. COBRA Killer captures the consumer at that forced decision and monetizes like the rest of our business: as the licensed agent of record on the plan the member enrolls in.
Leans on: the 22,059 ACA plans and 2.2M rate records already in our data layer, plus the AI document-ingestion and recommendation engine built for Medicare.
Market figure: Economic Policy Institute analysis of U.S. Bureau of Labor Statistics Job Openings & Labor Turnover (JOLTS) data, 2015–2019 baseline (epi.org; bls.gov/jlt).
A data-targeted small-group play, run by Dorothy
What it is. Our AI advisor, Dorothy, deployed as an automated quote collector and year-round benefits concierge for small-group employers (under 100 employees), sold as a service to HR teams.
The data edge. By 2027 we expect to hold the strongest dataset on group and employer plans anywhere — built the same way as the Medicare provider-network moat that already sets us apart. That changes how we go to market: instead of pitching every employer, we surgically target the specific groups whose current plans our data tells us are beatable, and arrive already knowing where the better, lower-cost option is.
The strategy. Small-group benefits is broker-mediated, slow, and under-served — most HR generalists hear from their broker once a year. Dorothy automates the quote-gathering and stays on all year, within our existing licensed-producer footprint, earning broker-of-record commissions on the coverage placed, with smart routing across fully-insured, level-funded, and ICHRA options. It extends the same “do the work for you, without the sales toll” model into a large adjacent commercial market.
Leans on: the Dorothy AI advisor, the employer-plan comparison tool, and our public-sourced employer/group plan data — the dataset we expect to be the most comprehensive in the market by 2027.
Forward-looking statements — planned releases and target dates as of June 2026, subject to change.
One proven engine today — carrier commissions — plus three adjacent expansion streams that resell the same tools, data, and consumer app we have already built. Each stream is labeled by stage so pipeline is never mistaken for booked revenue.
We are a licensed brokerage: when a member enrolls, the carrier pays a CMS-governed commission. This is our only realized revenue today and the base the other three streams build on. Book lifetime value (LTV) per member, by product:
1 MA can be $0 when a plan, captive/employer arrangement, or non-new-to-Medicare situation is non-commissionable. CMS CY2026 maximum: $694 first year + $347/yr renewal (renewal = 50% of initial); higher in CA/NJ ($864/$432) and CT/PA/DC ($781/$391).
2 Med Supp ranges from $0 to ~$3,000. Commissions are carrier-set (not CMS-capped) as a % of premium — roughly 20% first year, ~10% renewal years 2–6 — and pay for up to ~6 years, so a fully-commissionable plan carried to full payout reaches ~$3,000; a non-commissionable one pays $0.
3 PDP can be $0 when non-commissionable. CMS CY2026 maximum: $114 first year + $57/yr renewal.
Source: CMS CY2026 agent/broker compensation (MA & PDP national maximums); carrier Med Supp schedules. Book LTV = our estimate across our product mix.
License our agent platform and tools — the provider-network “doctor” tools, the “Magic Plan” recommendation tool, and the rest of the toolset — to other companies in the space, including white-label deployments.
Target pricing: ~$100,000 per year per licensee, per tool licensed.
| Vendor | What it is | Scale & ownership |
|---|---|---|
| SunFire / SunfireMatrix | Medicare quoting + enrollment SaaS — the closest direct comp to our agent tools | ~1 in 4 of all Medicare enrollments transact through it; KKR + Stone Point owned |
| Connecture / DRX | Medicare shopping, quoting & enrollment SaaS (PlanCompare, BrokerLink) | ~160 carriers · 6,500 plans · 120+ FMOs · 125K agents; Constellation / Harris owned |
| Zelis | Healthcare financial-experience platform (payer-side) — scale/monetization benchmark | ~$17B valuation, ~$1B EBITDA (S-1 filed 2025) |
The SmartConnect / SmartMatch model — helping employers move retirees from group coverage to individual Medicare — but undercut across the board. we plan to charge ~$20–$100 per head per year for the full tools suite + consumer app.
| Offering | What they charge | Per head / year |
|---|---|---|
| SmartConnect (Spring Venture / SmartMatch) · Mercer SmartConnect · HPOne | $0 to employer & retiree — monetized on downstream carrier commissions | $0 (commission-funded) |
| Paid benefits-navigation / concierge | ~$5–$15 PEPM (per employee per month) | ~$60–$180 |
| Via Benefits (WTW) — HRA administration | ~$2.60 / participant / month | ~$31 |
| TPP — tools suite + consumer app | ~$1.67–$8.33 PEPM | ~$20–$100 |
The consumer app (Dorothy + bill help, plan & provider tools) is free today. It could become a charge play in the mold of consumer health-bill apps — per-action or contingency pricing on the bill-contest and appeal workflows.
Comps confirmed from each company’s site, Jun 2026. App monetization is exploratory — no consumer charge is live today.
Stage labels: Live = earning revenue today · In discussion = active prospect, not contracted · Planned / Exploratory = roadmap. Forward pricing reflects management targets, not booked revenue; current realized revenue is commissions only (see the Financials tab).
The economics of the brokerage being acquired: carrier commissions against our own operating cost, reconciled to bank and card statements through June 2026. The affiliated media and SG&A spend that flows through NaviGap is a reimbursed pass-through and is excluded here, so these figures reflect the brokerage itself.
| The Pocket Protector | Operating spend | Commissions | Net spend |
|---|---|---|---|
| 2023 | $564 | — | ($564) |
| 2024 | $29,424 | — | ($29,424) |
| 2025 | $242,701 | $19,388 | ($223,313) |
| 2026 YTD* | $133,376 | $48,223 | ($85,153) |
| Total | $406,065 | $67,611 | ($338,454) |
*2026 is a ~6-month partial year. “Net spend” is cash burn (operating spend less commissions), not a GAAP loss. Operating spend includes $104,727 of our own brokerage media (Google + Meta), reattributed from NaviGap cards — not the reimbursed affiliated media.
| Component (monthly) | Amount |
|---|---|
| US payroll (AccountantsWorld ×2) | $49,280 |
| Philippines team | $11,240 |
| Rent (Life Time Work) | $3,200 |
| Tech / software (AI, Sunfire, SaaS) | $16,300 |
| Other overhead (health, insurance, fees) | $8,700 |
| TPP own media (Google + Meta) | $1,885 |
| Gross monthly burn | ~$90,605 |
| Less: affiliated retainer | ($70,000) |
| Net monthly burn | ~$20,605 |
Tech normalized to a true run-rate: AI is ~59% prepaid (annual seats + loaded credits) → ~$8K/mo economic; Sunfire is a lumpy SOW (~$4.8K/mo amortized). One-time office build-out & travel excluded. The affiliated retainer runs through NaviGap; absent it, standalone gross burn is ~$90.6K/mo.
| Contributor | Amount |
|---|---|
| ImagineIF (J. DiToro) | $381,298 |
| NaviGap (re-contributed owner capital) | $296,002 |
| MJ Jung fund | $150,000 |
| Michael Boshardy (direct) | $120,000 |
| Total invested in TPP | $947,300 |
Amounts are contributions into TPP; an owner’s all-entity total can differ (e.g., DiToro $401,298 total — $381,298 into TPP). External owner capital (excluding the internal NaviGap→TPP re-contribution): $651,298; total owner capital across both entities ≈ $1.11M.
| Net cash invested to date — TPP | $338,454 |
| Net cash invested to date — NaviGap | $302,429 |
| Combined net out-of-pocket | $640,883 |
| Funded by owner capital (external) | ~$1.11M |
| Affiliated media/retainer accrued (Apr–Jun, mostly un-invoiced) | ~$413K |
| Credit-card balances (6/28/26) | $112,567 |
Net out-of-pocket is after the one-time $500K consulting fee; excluding it, cumulative net spend is ~$1.14M. The ~$413K of affiliated media + consulting is accrued for Apr–Jun and largely not yet invoiced, owed by the affiliated counterparties and subject to that arrangement. Cash basis; credit-card balances assumed paid.
We are a licensed, CMS-compliant health-insurance brokerage, focused on Medicare today, operating as an Illinois LLC — licensed in every U.S. state except California and New York, and appointed across leading Medicare Advantage and Medicare Supplement carriers.
Appointed carriers across Medicare Advantage and Medicare Supplement. Some Medicare Supplement appointments are held via bundled FMO arrangements; full roster and effective dates available in diligence.
Licensure, NPN, and disclaimer facts from the public licensing page (thepocketprotector.com/licensing). Lines-of-authority status, carrier appointments, and the MA-pending status are internal/diligence items — confirm the carrier list and NPN of record in diligence.