Veteran-Owned • Winchester, VA & Martinsburg, WV

Medicare is confusing. Talking to us isn't.

Turning 65 for the first time, or years into Medicare and sure you're overpaying? A local, licensed agent gives you straight answers — and our help is always free.

Get help enrolling Review my current plan

Get your free plan review

Start here

Where are you today?

Pick the one that sounds like you.

Turning 65

New to Medicare

Understand Parts A, B, C & D in plain English
Know your window so you avoid lifelong penalties
Compare plans side by side, choose with confidence
Line up Medicare with your Social Security timing

Get help enrolling

Already Enrolled

On Medicare & want to save

A free review of your current plan, line by line
See if a better-fitting plan could lower costs
Confirm your doctors and drugs are still covered
Make changes during the right enrollment period

Review my plan

Would you rather just talk?

Reach a real, local person — never a call center.

540-440-5936

How we help

Coverage & guidance, explained clearly

Medicare Advantage

All-in-one plans, often with extra benefits.

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Medicare Supplement

Medigap for the gaps Original Medicare leaves.

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Part D Drug Plans

Prescription coverage matched to your meds.

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Social Security Timing

When to claim, and how it works with Medicare.

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Plan Review & Savings

Already enrolled? A free, honest check.

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Umbrella Coverage

Cancer, heart, home care & hospital plans.

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Why us

Local people you can actually reach

Veteran-Owned

Run on service, straight talk, and doing right by people — not a sales quota.

Independent

Not tied to one carrier, so our job is finding the plan that fits you.

Plain Answers

Every part of Medicare and Social Security, explained so it makes sense.

Reviews

What our clients say

      
   I Know Medicare
   109 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Bob Larson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very knowledgeable and willing to explain the policies and coverages. Helpful in deciding what plan suited my situation.
  
 
      Posted on Google  
   
   Misty Marker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mr. Barto was extremely helpful and patient helping me find the right coverage for healthcare, including dental and vision. I would highly recommend him to friends and family.
  
 
      Posted on Google  
   
   Kris Lary 
 
 
 
 Trustindex verifies that the original source of the review is Google. My meeting with Brian this morning went above and beyond my expectations.  He made me feel comfortable to speak freely and explained the answers to all my questions. Definitely had a lot more answers than questions when I left. Feel better. I would highly recommend him to anyone else that finds Medicare confusing as I did..🙃
  
 
      Posted on Google  
   
   Michael Nordberg 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brian is VERY knowledgeable on many fronts but especially Medicare issues and enrollment. A pleasure to work with.
  
 
      Posted on Google  
   
   steve butler 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brian was extremely knowledgeable and helpful. He was eager to help us find the right Medicare supplement insurance for my husband and marketplace insurance for myself. He offered numerous plans which gave us the details we were looking for at a great rate. It was a very easy process. He even completed all our online forms and set everything up for us. We are so thankful for his expertise. We recommend him very highly to anyone needing help with Medicare and other health insurance. What a blessing!😊 Steve and Sheila Butler
  
 
      Posted on Google  
   
   Nancy Felicio 
 
 
 
 Trustindex verifies that the original source of the review is Google. He has a convenient office His staff is kind and I was treated very well!
  
 
      Posted on Google  
   
   Kelly Rossi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brian definitely has our best interest in mind. My husband and I found Brian very helpful as we discussed Medicare and supplemental insurance questions.
  
 
      Posted on Google  
   
   Teresa Nordberg 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brian is very knowledgeable and makes the process so easy.
  
 
      Posted on Google  
   
   Brian Merriman 
 
 
 
 Trustindex verifies that the original source of the review is Google. A lot of knowledge big help explained Medicare options so even I could understand it better
  
 
      Posted on Google  
   
   Richard Kurzenknabe 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brian was phenomenal in explaining the pros and cons of differing Medicare Advantage policies! He was patient, attentive, and genuinely interested in determining the best possible solutions and coverages based upon my specific needs and those of my wife. I would HIGHLY RECOMMEND Brian to anyone interested in obtaining client-specific information! I look forward to an ongoing professional relationship with him!

Good to know

Common Medicare questions

No. Our help costs you nothing. We're paid by the insurance carriers, and that never changes your premium — you pay the same whether you use an agent or not.

Most people first enroll during the seven-month window around their 65th birthday. Miss it and you may face lifelong penalties, so it's worth a quick conversation to get the timing right.

Often, yes — plans change every year, and the one that fit you before may not be the best value now. We'll review your coverage for free and tell you honestly whether staying or switching makes more sense.

No. We're independent, so we compare plans across many carriers and recommend what actually fits your doctors, prescriptions, and budget.

We're a local agency at 28 Weems Lane, Winchester, VA 22601, serving Winchester, Virginia and Martinsburg, West Virginia. Call us at 540-440-5936.