Your local Medicare broker, without the guesswork.
A full line of senior products, reviewed with you in your own home —
and never a fee for our service.
Based in Moon Township, serving the Pittsburgh area.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
Looking for a Medicare broker near you? Health Benefit Services (HBS) is an independent Medicare insurance broker. You’ll work with a licensed HBS advisor who stays with you throughout the process.
HBS has a full line of senior products. Experienced HBS specialists will analyze your situation through an in-home consultation. There is never a fee for our service.
Need help finding the right Medicare plan?
- Whether it's a Medicare Advantage plan or a Medicare Supplement (Medigap) plan, we can help.
- HBS compares plans from both local and national carriers.
- The advisor who sets up your plan is the one who reviews it with you next year.
- Because we're an independent Medicare broker, we compare plans across every carrier we represent, rather than working with just one insurance company.
Where are you starting from?
Turning 65
Already enrolled
Helping a parent
What a Medicare broker does, and how it differs from an agent
What is a Medicare broker? A Medicare broker is a licensed advisor who compares Medicare plans from multiple insurance carriers and helps you review your options.
The difference between a Medicare broker and an agent is who they represent. A captive agent is contracted with one insurance company. An independent broker like HBS compares plans across every carrier HBS represents.
If you’ve been searching for a “Medicare agent near me,” ask which insurance carriers the advisor represents. This helps you understand how many companies are included in the comparison.
There is never a fee for our service. Carriers compensate us directly, so your premium is the same whether you work with us or enroll on your own.
A Medicare broker can be especially helpful when your Medicare coverage or circumstances change:
- Turning 65: You're enrolling in Medicare for the first time.
- Plan changes: Your plan changed or your premium went up.
- Network changes: A doctor left your plan's network.
HBS can help you review your Medicare options when one of these changes affects your coverage.
How many Medicare carriers we compare
HBS compares Medicare plans from the local and national carriers we represent. Because HBS is independent, we compare plans across every carrier we represent rather than working with a single insurance company.
The carrier list can change as carriers enter or leave the Medicare market each year. Your advisor reviews your plan with you every year and can help you compare the options available at that time.
We also check your actual prescription list against each plan’s formulary before recommending one.
Ask your HBS advisor for the current list of Medicare carriers we represent.
The parts of Medicare Simplified
Part A: Hospital insurance
Inpatient hospital stays, skilled nursing facility care, and hospice. Usually premium-free if you paid Medicare taxes long enough.
Part B: Medical insurance
Doctor visits, outpatient care, preventive services, and durable medical equipment. Part B has a monthly premium.
Part C (Medicare Advantage)
An alternative to Original Medicare that provides Part A and Part B benefits through a private insurance plan. It may include prescription drug coverage and other benefits.
Part D: Prescription drugs
Prescription drug coverage. We check your actual prescription list against each plan's formulary before recommending one.
Medigap: Medicare Supplement
Medigap is not a Medicare part. It is a separate policy that works with Original Medicare to help cover certain out-of-pocket costs.
Dental, vision & hearing
Original Medicare generally does not cover routine dental, vision, or hearing services. Some private Medicare coverage may include these benefits.
How it works
Tell us about you
We compare carriers
Review your options
Enroll with support
What happens every fall: your annual Medicare review
Every fall, your HBS advisor reviews your Medicare plan with you. Your plan can change its premium, drug list, or doctor network for the coming year.
During the October 15 to December 7 Open Enrollment Period, you can review your options and make changes for coverage starting January 1.
If you are already enrolled in Medicare Advantage, you also have a January 1 to March 31 Medicare Advantage Open Enrollment Period. During this window, you can switch to another Medicare Advantage plan or return to Original Medicare.
For official enrollment dates and rules, see Medicare.gov’s Joining a plan guidance.
During your annual review, your HBS advisor:
- Checks your actual prescriptions against the available plan formularies.
- Reviews whether your doctors are still in the plan's network.
- Compares the costs of your current coverage with the available options.
You decide whether to stay with your current plan or switch. If you stay, your advisor is still there to help with questions and changes. If you switch, HBS helps with the enrollment process.
The advisor who enrolled you is the same advisor who reviews your plan every year.
What to have ready
-
Your Medicare card
Or your Social Security number if you haven't enrolled yet. -
Your doctors
Anyone you want to keep seeing, so we can check networks before you switch. -
Any current plan details
If you're already covered, so we can compare like for like.
-
Your prescriptions
Names and dosages — this is what separates a good drug plan from a bad one. -
Your pharmacy
Preferred pharmacies affect drug costs more than most people expect. -
Your questions
Write them down. People forget them on the call every time.
Your local Medicare advisors
Joseph Cox
Chris Zappa
Joe Masucci
Lynn Groomes
Common questions
Nothing. There is never a fee for our service. Carriers compensate us directly, so your premium is the same whether you work with us or enroll on your own.
A captive agent is contracted to sell plans from one insurance company. An independent Medicare broker like HBS compares plans across every carrier it represents. See what a Medicare broker does and how it differs from an agent.
HBS compares Medicare plans across the local and national carriers it represents. The list can change each year as carriers enter or leave the Medicare market. Your HBS advisor can provide the current list of carriers available when you review your Medicare options.
Yes. The advisor who enrolls you is the one who reviews your plan with you every year, answers questions, and helps with claims. No call center, no reassignment.
Yes. Medicare Open Enrollment runs October 15 through December 7, and changes take effect January 1. If you’re already enrolled in Medicare Advantage, you can also switch plans or return to Original Medicare from January 1 through March 31. Your advisor reviews your plan each fall.
Yes. Health Benefit Services is located at 333 Rouser Road, Bldg 4, Ste 401, Moon Township, PA 15108. You can meet with your advisor at the office, schedule an in-home appointment anywhere in the Pittsburgh area, or talk by phone.
Medicare Advantage provides your Part A and Part B benefits through a private insurance plan. Medicare Supplement, also called Medigap, works with Original Medicare to help cover certain out-of-pocket costs. Which option fits depends on your doctors, prescriptions, and budget.
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