At I Know Medicare, we offer a complete range of support designed to help people understand and navigate Medicare with confidence. When you explore I Know Medicare services, you gain access to expert guidance, helpful tools, and personalized assistance that make every step of the Medicare journey easier.
Choosing Medicare coverage can feel complicated, so we take the time to understand your needs and explain your options in clear, simple terms. Our team walks you through the differences between Medicare Advantage, Medicare Supplement plans, and prescription drug coverage. This personalized approach helps you choose a plan that fits your health needs and budget.
Medicare enrollment has important deadlines and requirements, which can create confusion. That’s why our experts assist you during every phase of the enrollment process. We help you prepare the right information, understand your timelines, and complete forms correctly so you avoid unnecessary delays.
Health needs change over time, and so do Medicare plans. We offer yearly coverage reviews to ensure your current plan still works for you. During these reviews, our team provides side-by-side comparisons so you can see your options clearly. This service helps you stay informed and choose the plan that gives you the most value.
We believe informed individuals are empowered individuals. To support that, we offer educational events where you can learn about Medicare basics, plan updates, enrollment periods, and more. These sessions help you understand your benefits and make confident decisions about your coverage.
When you work with I Know Medicare, you receive help from experienced, licensed agents who focus on giving accurate, up-to-date information. Their guidance ensures that each part of the process—whether it’s comparing plans or completing paperwork—feels smooth and manageable.
People choose I Know Medicare services because we combine clarity, compassion, and expert knowledge. Our goal is to simplify Medicare, reduce confusion, and help you find coverage that truly supports your well-being.
If you’re preparing to enroll, reviewing your current plan, or need help understanding your options, explore the full range of I Know Medicare services today. Our team is ready to guide you with clear, friendly, and reliable support every step of the way.
As Independent Insurance Brokers, we are appointed with all major insurance carriers that offer Medicare Advantage plans in our service area. We offer many options depending on your individual situation.
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These “bundled” plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare prescription drug (Part D).
Things to know about Medicare Advantage:
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As Independent Insurance Brokers, we are appointed by many of the major insurance carriers that offer Medicare Supplement policies in Virginia and West Virginia. We can help you find the best policy for your individual situation.
Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare
In our service area, each year there are more than 20 different insurance carriers that offer Prescription Drug Plans; and these plans change from year to year. As Independent Brokers, we can take your list of prescriptions and use it to search for the lowest cost plan available to you.
2 Ways to get Prescription Drug Coverage
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What is it?
Hospital Indemnity Insurance is designed to help fill some of the co-payments, deductibles and out-of-pocket expenses of your health insurance plan. Cash benefits are paid directly to you to help cover the costs associated with hospital confinement, ambulance trips, critical accidents, skilled nursing stays and more.
Why do I need it?
Unexpected medical costs can add up – even if you have health insurance. Hospital Indemnity coverage is an affordable way to help protect your savings from all the costs of deductibles, co-pays and additional expenses not covered by your major health insurance plan. Benefits are paid directly to you so you can use the funds any way you choose.
What is it?
If you were diagnosed with cancer or suffered a heart attack or stroke, the last thing you would want to worry about is your finances. Cancer, Heart Attack and Stroke Insurance helps you receive the financial peace of mind that allows you to focus on what matters most – your recovery.
Why do I need it?
53% of the costs associated with cancer are non-medical, indirect costs. Cash benefits from your policy can be used to help supplement lost income for you and your spouse, to pay for car and mortgage expenses and travel to and from medical facilities. It will also allow you to seek treatment that is out of network or not covered without worrying about costs.
As your RSSA, Brian will create a personalized Social Security analysis plan tailored to you and your unique circumstances and specific retirement goals.
Whether you are single, married, divorced, widowed, disabled, self-employed, have a child with a disability, have a pension, or are an immigrant, we can support you.
Visit our website: rssa.com/analyst/Brian-Barto
For those under 65 years of age and not yet eligible for medicare, we can assist you with “marketplace” insurance or what is sometimes referred to as “Obamacare.” Navigating the Federal and State (VA) Health Insurance Marketplace can be a challenge. Our trained agents can help you choose a policy and make the best decision for you and your family. If you qualify for a subsidy to help you pay for your marketplace insurance, you must report it on your tax return. The good news is, our insurance agents are also tax professionals! We can help explain how your subsidy may affect your tax return at the end of the year.
Medicare and VA Coverage
Medicare and TRICARE Prime/TRICARE for Life
If you're a military retiree with TRICARE Prime or TRICARE for Life, Medicare plays a key role.
● We’ll explain when you must enroll in Medicare Part B to maintain your TRICARE benefits.
● We’ll help ensure you're not overpaying for unnecessary coverage.
● For TRICARE for Life, we’ll walk you through how it works as a secondary payer to Medicare, and when additional coverage might be beneficial — or not necessary at all.
You served your country — now let us serve you.
Schedule a free consultation today and get the clear, honest guidance you deserve.
How can we help?
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