Independent agency · Serving Virginia & 10 more states
Call today: (571) 354-0146
Medicare Annual Enrollment runs Oct 15 – Dec 7. Get on our priority review list →

The right coverage.
The honest way.

Honorbrook Insurance compares Medicare, health, life, and retirement plans from 90+ carriers — for families at every age, not just those on Medicare. We explain your options in plain English. Our guidance is always free, and we work for you, not an insurance company.

✓ 90+ carriers compared
✓ Licensed in 11 states
✓ $0 cost to you, always

Free Coverage Checkup

Tell us what to review — check all that apply. We'll call back within one business day.

Medicare guidance

Turning 65? Reviewing your plan? Start here.

Medicare has more moving parts than ever — and choosing wrong can cost you thousands. We compare every option side by side and check that your doctors, hospitals, and prescriptions are covered before you enroll.

Most popular
🏥

Medicare Advantage (Part C)

All-in-one plans from Aetna, Humana, UnitedHealthcare, Wellcare and more — many with $0 premiums plus dental, vision, hearing, and drug coverage built in. We verify your doctors are in network first.

Compare Advantage plans →
Maximum freedom
🛡️

Medicare Supplement (Medigap)

See any doctor that accepts Medicare, anywhere in the country, with predictable costs. We compare Plan G and Plan N rates across a dozen carriers so you never overpay for identical coverage.

Get Medigap quotes →
💊

Prescription Drug Plans (Part D)

We run your exact medication list through every available plan to find the lowest true annual cost — premium, deductible, and copays combined.

Check my drug costs →
Final expense life insurance

Protect your family from funeral costs — starting around $2/day

The average funeral often runs $8,000–$12,000. Final expense whole life insurance makes sure your loved ones never carry that burden — and it's one of the easiest policies to qualify for.

  • No medical exam — just a few health questions
  • Most health conditions accepted, ages 45–85
  • Locked premiums that never increase
  • Coverage never expires or reduces
  • Benefits paid to your family in days, tax-free
Get My Free Quote

Sample monthly rates*

Female, 60 — $10,000from ~$32/mo
Male, 60 — $10,000from ~$42/mo
Female, 70 — $10,000from ~$48/mo
Male, 70 — $10,000from ~$63/mo
Female, 75 — $15,000from ~$89/mo

*Illustrative non-tobacco rates; your rate depends on age, health, and carrier. We compare AIG, Mutual of Omaha, Americo, Aetna Accendo, and more to find your best price.

Complete protection

Fill the gaps your health plan leaves behind

Even good Medicare plans leave you exposed to hospital copays, cancer treatment costs, and dental bills. These affordable add-ons cap the costs that catch most retirees off guard.

🏨 Hospital Indemnity

Medicare Advantage plans often charge $300–$450 per day for hospital stays. A hospital indemnity plan pays you cash for each day admitted — wiping out those copays for a few dollars a month. The smartest companion to any Advantage plan.

Learn more →

🎗️ Cancer & Critical Illness

A lump-sum cash benefit paid directly to you on diagnosis — use it for treatment, travel, bills, or anything else. A serious diagnosis can drain a lifetime of savings — this is how you face it without that fear.

Learn more →

🦷 Dental, Vision & Hearing

Original Medicare covers none of these. Affordable DVH plans from Mutual of Omaha, Aetna, and ManhattanLife cover cleanings, dentures, glasses, and hearing aids — the bills seniors actually face.

Learn more →

🏡 Short-Term & Home Care

Medicare only pays for limited recovery care. Short-term care and home health care plans protect your savings — and your independence — if you need help recovering at home.

Learn more →
Beyond Medicare

Coverage for every stage of life & business

We're not just Medicare. Honorbrook helps individuals, families, and employers across all 11 states with under-65 health, Medicaid and dual-eligible guidance, business coverage, life insurance, and retirement income — with the same free, no-pressure guidance.

🧾

ICHRA

A tax-free way for employers to reimburse employees for individual health coverage — predictable budgets, real choice.

How ICHRA works →
🏢

Group & SHOP

SHOP-certified small-business group health plans — and we'll check if you qualify for the small business tax credit.

Explore group plans →
🩺

ACA Health (Under 65)

Individual & family marketplace plans — many qualify for premium tax credits that lower the cost. We check free.

See ACA options →
🤝

Medicaid & Dual Eligible

Have both Medicare and Medicaid? D-SNP plans add dental, vision, hearing & transportation at no extra premium. We check Extra Help too.

Check dual eligibility →
🕊️

Final Expense

Whole-life burial insurance from around $2/day — no medical exam, locked premiums, paid to your family tax-free.

Final expense quotes →
❤️

Life Insurance

Term, whole, indexed universal (IUL), guaranteed universal (GUL) and final expense — all five compared across many carriers, with no-exam options.

Compare all five types →
📈

Annuities

Turn retirement savings into guaranteed, predictable income you can't outlive — fixed and fixed-indexed options.

Explore annuities →
📞

Not sure what you need?

Tell us your situation and we'll point you to the right coverage — no pressure, no cost, ever.

Talk to an agent →
Where we help

Licensed across 11 states — local help, by phone

Based in Vienna, Virginia and serving families in person and by phone across the country. Find your state for local guidance.

How it works

Simple, honest, no pressure

You never pay us a dime — we're compensated by the carriers, and your premium is identical either way. Our only job is finding the right fit and staying by your side after you enroll.

1

Talk to us

A quick call about your doctors, medications, health, and budget.

2

We compare

We search plans from 90+ carriers licensed in your state.

3

You choose

Clear, side-by-side options explained in plain English.

4

We stay with you

Claims help, card issues, free annual reviews — call us first, always.

Luay Sadqi, founder and licensed agent at Honorbrook Insurance
About Honorbrook

A name built on honor.
Service built on trust.

Honorbrook Insurance was founded on a simple belief: nobody should navigate retirement coverage alone. Based in Northern Virginia and licensed across 11 states, we guide families through Medicare and life insurance decisions with patience, transparency, and respect.

  • Independent — we represent you, not one carrier
  • Appointed with leading national carriers
  • Every recommendation explained in plain English
  • Year-round service, not just at enrollment
  • Growing team — we're hiring

One honest call can make all the difference.

Free consultation · No obligation · No pressure

(571) 354-0146
Common questions

Answers, in plain English

Does it really cost nothing to work with you?
Correct — our help is 100% free. Insurance carriers pay us a commission when we place a policy, and by law your premium is exactly the same whether you use an agent or enroll directly. The difference: with us, someone compares all your options and answers the phone after you enroll.
When can I enroll in or change a Medicare plan?
Most people enroll when they turn 65 (a 7-month window around your birthday) and can change plans each year during the Annual Enrollment Period, October 15 – December 7. Certain life events — moving, losing coverage, qualifying for Extra Help — open special windows year-round. Medicare Supplement and final expense policies can be applied for any time of year.
What's the difference between Medicare Advantage and a Supplement?
Advantage plans bundle everything into one plan with low or $0 premiums but use provider networks and copays. Supplements (Medigap) cost more monthly but let you see any doctor who accepts Medicare with minimal out-of-pocket costs. There's no universally "better" choice — it depends on your health, budget, doctors, and travel habits. That's exactly what we help you weigh.
Can I get final expense coverage with health problems?
Almost always, yes. Simplified-issue policies ask a few health questions but require no exam, and guaranteed-issue options exist for serious conditions. Because we work with many carriers, we match your specific health history to the carrier most likely to approve you at the best rate.
I already have a Medicare plan. Why review it?
Plans change every single year — premiums, drug lists, doctor networks, and benefits all shift. The plan that was perfect two years ago may be costing you money today. We run a free annual review each fall so you're never stuck overpaying.
Which states do you serve?
We're licensed in Virginia, Maryland, Georgia, Texas, Michigan, North Carolina, South Carolina, Alabama, Louisiana, Indiana, West Virginia, and growing. Everything can be handled by phone — no office visit needed.
Contact

Let's find your coverage

Reach out any way you like — we respond within one business day.

📍
Office
8609 Westwood Center Dr, Suite 110, Tysons, VA 22182 (by appointment)
🕐
Hours
Monday–Friday, 8am–8pm ET
Saturday–Sunday, 9am–2:30pm ET

Send us a message

🤝 Know someone who needs help with Medicare?

The kindest thing you can do for a friend drowning in Medicare mail is hand them our number. We'll treat them like family — (571) 354-0146.

📞 Tap to call — free plan review