Contact JT Horvath Insurance
Have questions about Medicare, retirement preparation, or your Health Savings Account? Contact me directly for free, personal guidance in Salem, VA.
GET IN TOUCH
Talk Directly With Joe
Preparing for Medicare can raise questions that are difficult to answer by reading websites, advertisements, or insurance materials alone. Sometimes the easiest way to understand what deserves your attention is to have a conversation. When you contact JT Horvath Insurance, you speak directly with me. I provide free Medicare and HSA consultation for prospective retirees, including people beginning to prepare around age 62 and those getting closer to Medicare eligibility at 65. You do not need to know every Medicare term or have a complete list of questions before reaching out. Tell me where you are in the process and what you would like to better understand. There is no online booking requirement. You can simply call or text me to get started.
Location: 1390 Southside Dr Suite 104, Salem, VA 24153
Secondary:(540) 353-8105
Email: JTHorvath2022@gmail.com
Hours: Available 24/7 by appointment
For the most direct contact, call or text my primary number at 540-380-5650.
Send Me A Message
If calling or texting is not convenient, use the contact form to tell me what you would like to discuss. You do not need to provide a detailed insurance history in your first message. A short explanation of where you are in your retirement or Medicare timeline and the general topic you need help with is enough to begin.
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Please avoid submitting highly sensitive medical, financial, account, or identification information through the initial website form. Start with the general question or topic you would like to discuss.
What Can You Contact Me About?

I specialize in helping people prepare for retirement and the transition to Medicare.
You are welcome to contact me if you have questions about:
- Preparing for Medicare before turning 65.
- Understanding Medicare enrollment considerations.
- Medicare Advantage plans and Medicare Part C.
- Factors to consider when comparing Medicare options.
- Health Savings Account considerations as Medicare approaches.
- HSA guidance during retirement preparation.
- Getting started when you are unsure which questions to ask.
If you are several years away from Medicare, you do not necessarily need to wait. I often begin conversations with prospective retirees around age 62 so they have time to learn and prepare.
If your questions involve individualized tax, legal, accounting, or financial advice beyond my insurance guidance, an appropriately qualified professional may also be needed.
Not Sure What to Ask?
That is completely fine.
Medicare may be unfamiliar if you have spent most of your life receiving health coverage through an employer or another source. As retirement approaches, you may suddenly encounter new terminology, enrollment information, Medicare Advantage options, and decisions you have never needed to consider before.
Your first conversation does not need to solve everything at once.
You can start by telling me your age, approximately when you expect to retire, whether you are approaching Medicare eligibility, and whether you currently have an HSA.
From there, we can focus on the information you want to better understand.

My goal is to make it easier for you to ask questions and prepare without feeling like you need to become a Medicare expert first.
