About us
Independent since day one.
We don’t work for an insurance company. We work for the people
who buy insurance — which means we can shop every carrier we
represent and tell you the honest answer.
- Licensed & independent agency
- Various carrier partners
- Local Team
Who we are
An independent agency, built around one client at a time.
Health Benefit Services is an independent agency specializing in Medicare,
Individual, Group Health Insurance, and Home & Auto.
Since our founding, HBS has been dedicated to providing clients with superior
service and managing your health care and retirement needs.
We do that by combining modern technology with good old-fashioned service.
Your personal agent services your account directly — from answering questions
to understanding and addressing your specific needs.
Independent means no quotas and no company line. A captive agent can
only sell you what their employer offers. We compare across every carrier we
represent, so the recommendation you get is the one that actually fits.
How we're built
One agent you know. Two layers behind them.
You get a single named advisor — but you’re never relying on one
person’s memory of a 20-carrier market.
Front line
Your personal agent
A licensed advisor who services your account
directly — answering questions, understanding
your situation, and addressing your specific
needs. The same person, year after year.
Behind them
Product specialists
A team that stays on top of the complex and
ever-changing insurance market, so your
agent’s advice reflects what carriers are
actually doing this year — not last year.
Every day
Full-time support staff
The people handling the day-to-day of your
coverage — paperwork, ID cards, billing
questions, renewals — so the details don’t land
back on you.
For fast service, call 412-865-3200 — a licensed advisor answers.
Why independent matters
The difference isn't the pitch. It's the options.
Both kinds of agent are licensed. Only one can walk away from a carrier
that stops being a good deal for you.
| HBS — independent | A captive agent | |
|---|---|---|
| Carriers they can quote | ✓100+ carrier partners | One — their employer's |
| Whose products you're shown | ✓Every plan we represent | Whatever's on their shelf |
| If your plan changes or rates rise | ✓We re-shop the market for you | You start shopping alone |
| What our guidance costs you | ✓Nothing — carriers pay us | Nothing, but choices are limited |
| Who you talk to next year | ✓The same advisor | Whoever's assigned to the account |
By the numbers
Where we stand today
Licensed Advisors
0
Carrier Partners We Shop
0
+
Clients guided
0
+
Years in Western PA
0
Come see us
We're a local office, not a call center.
Drop by during business hours, or call ahead and we’ll have your
advisor ready.
-
Office
333 Rouser Road, Building 4, Suite 401 Moon Township, PA 15108 -
Hours
Monday – Friday, 8:00 AM – 4:00 PM -
Phone
412-865-3200 -
Email
support@hbspa.com -
LinkedIn
Find us on LinkedIn →
Get Started
Get Insurance Quotes
Tell us a bit about what you need — a licensed advisor
will follow up with real options, not a form letter.
Speak directly with a licensed advisor—not a call center.
- No spam, no obligation
- Response within one business day
- Real licensed advisor, not a bot
Talk to a human
Have a question? We're here to help.
Reach out directly — a licensed advisor answers, not
a call center.
