Medicare, without the guesswork.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
Need help finding the right Medicare plan?
- Whether it's a Medicare Advantage plan or a Medicare supplement health insurance plan, we can help.
- HBS represents both local and national carriers.
- The advisor who sets up your plan is the one who reviews it with you next year.
Where are you starting from?
Turning 65
Already enrolled
Helping a parent
The parts of Medicare Simplified
Hospital insurance
Inpatient hospital stays, skilled nursing facility care, and hospice. Usually premium-free if you've paid Medicare taxes long enough.
Medical insurance
Doctor visits, outpatient care, preventive services, and durable medical equipment. Carries a monthly premium.
Medicare Advantage
An all-in-one alternative that delivers your Part A and B benefits through a private carrier, usually bundling drug coverage and extras.
Prescription drugs
Standalone drug coverage. We check your actual prescription list against each plan's formulary before recommending one.
Medigap supplement
Not a "part" — a separate policy that sits alongside Original Medicare and picks up costs it leaves behind, like coinsurance and deductibles.
Dental, vision & hearing
Often excluded from Original Medicare. Available as add-on policies, or already built into some Advantage plans.
How it works
Tell us about you
We compare carriers
Review your options
Enroll with support
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.
Who you'd be working with
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.
No. Most of our Medicare reviews happen at the client’s kitchen table. We’ll come to you anywhere in the Pittsburgh area, meet at our Moon Township office, or handle it by phone — whichever you prefer.
HBS is an independent agency. We represent both local and national carriers and compare plans across all of them rather than steering you toward one company. Ask your advisor for the current list — it changes as carriers enter and leave the market each year.
A Medicare Advantage plan delivers your Part A and B benefits through a private carrier, usually with drug coverage built in and a network of doctors. A Medicare supplement (Medigap) works alongside Original Medicare and pays the costs it leaves behind, with no network — but you’ll typically add a separate drug plan. Which is better depends on your doctors, prescriptions, and budget. That’s the first thing we work through with you.
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.
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