Independent Insurance Agency
Specializing in Benefits for Seniors
We are a broker, founded by Barbara Horanoff. We offer most or all of the plans available in the region, ensuring we are tailoring plans to you, instead of the other way around. Always striving to be helpful, we focus our support toward simplifying the retirement process and remaining a resource throughout the years beyond.
Calculate your life insurance needs
Plan your life insurance needs
Years of Experience
We generally serve clients over the age of fifty, but we offer plans for all ages. We carry licenses in several states, but we are local to MD and southern PA. We offer products for all income levels, helping with assistance programs when needed.
Do You Have The Coverage You Need?
Yes, Medicare can be confusing but that’s why we’re here to help. Our services are always free to our clients, so please leave your wallet at home.
Frequently Asked Questions
We meet one-on-one with you in your home or in our office and discuss your personal situation while educating you on how Medicare works to help you understand what options you have and why some would be better than others in your specific situation.
What does Medicare cover?
Medically necessary hospital stays and outpatient care.
What is Part A?
Hospital insurance that covers in-patient hospital or skilled nursing facility confinement/admittance. Medicare alone does not cover 100%.
What is Part B?
premium for Medicare Part B.
What is Medicare Advantage or Part C?
What is Part D?
What is the coverage gap or donut hole?
Our clients know we’re different. Driven by integrity, we strive to inform and support you through the retirement process. With more than 10 years experience locally in the Medicare market, we are extremely knowledgeable in helping clients navigate the Medicare world.
Barb and her staff were a huge help to me in navigating the Medicare and supplemental insurance process! She met me at my home and brought everything needed for me to review and select plans that met my personal needs. I know I can contact her anytime with a question or concern and can trust her to help me solve it. Her knowledge and support are invaluable to me as I began and continue in my retirement!
I first met Barbara Horanoff four years ago at a business women’s luncheon in Port Deposit. Her community outreach to this group impressed me right away. I had been attending it for several years and knew many of the members. As a retired teacher and single senior citizen, I was navigating a lot of new areas including Medicare and supplemental health insurance. How refreshing, I thought, to have a knowledgeable person looking over my shoulder for these complex decisions. I made an appointment with Barbara. She came to my home and her advice since then has proved to be invaluable. Barbara keeps wonderfully “in the know” and I highly recommend her services.
Barb is an awesome agent. Her product knowledge is second to none. She is friendly and patient. She goes out of her way to help clients and does so without hesitation. I highly recommend her, she is a true professional.
Barbara is an angel in disguise! If you are totally confused by this often overwhelming Medicare stuff, she will enlighten you in no time….very knowledgeable and has an awesome professional manner. Don’t miss out an opportunity to work with Barbara and have her offer you a secure future.