Local & Independent•Veteran-Owned Call 540-440-5936
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 your free plan review

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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
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

Posted on Google Google
Paul Marquardt profile picture
Paul Marquardt
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Brian very knowledgeable, tailored policy to fit my needs. Highly recommend
Posted on Google Google
Carol Martin profile picture
Carol Martin
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I highly recommend Brian Barto for any help with your Medicare Insurance needs. Brian was extremely professional, knowledgeable, helpful and prompt in gathering all the information I needed and in helping me submit all necessary applications.
Posted on Google Google
Queenie Dockeney profile picture
Queenie Dockeney
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very informative and great communication skills
Posted on Google Google
William Baume profile picture
William Baume
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Brian and his staff are very helpful. They are very knowledgeable of the Medicare system and which supplemental insurance you may need.
Posted on Google Google
Scott Nicholas profile picture
Scott Nicholas
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This was as a 5-star experience like I haven’t had in a long long time. I came to Brian needing to make major Medicare decisions to change my coverage. I honestly didn’t know where to start and dreaded trying to go through all the options. Even then I’d have to wonder if I found the best deal. I made an appointment with Brian, told him what coverage I wanted and he provided coverage options and costs. I was signed up for my new year medical coverages in the second meeting. It was as easy as that. Brian knows his stuff. There was no pressure He was responsive to my questions in person, in emails and texts. He answered all my questions and even found some additional plan savings for me. This was truly a great experience and a major box checked on things to do. I couldn’t recommend him and the service more highly.
Posted on Google Google
Gina Elkins Hope profile picture
Gina Elkins Hope
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Brian was a delight to work with, showing me there were other options I can look into with the 2nd year of Medicare approaching. Dental and vision I had been told last year was not an option. Well, it will be an option this year!
Posted on Google Google
E. Clark Cummings profile picture
E. Clark Cummings
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Brian Barto is a Veteran who knows Medicare, retirement health insurance as well as finances combined with tax help. He is a wealth of knowledge. We spent over an hour discussing my retirement plans, family healthcare needs, and costs to expect as we plan for the future. I would not hesitate to consider Brian’s help. Picking a Medicare and Healthcare representative is a challenge in itself. I am thankful to have met Brian Barto. You should consider him in your planning as well. Clark C.
Posted on Google Google
Steve Martin profile picture
Steve Martin
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The Medicare Eduction seminar was very helpful. Brian is very knowledgeable and personable. I highly recommend it!
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.
Call Now: 540-440-5936