Meet the team
Real advisors.
Real phone numbers.
Every person here is a licensed independent advisor — not a call
center queue. Find the one who knows your situation, and email
them directly.
- Licensed & independent
- One advisor, start to finish
- Moon Township office
Leadership
The people who set the standard
Partners and department leads who’ve built HBS around one idea —
independent advice you can actually reach.
Joseph Cox
Managing Partner
Joe is the Managing Partner of Health Benefit Services, LLC (HBS) and HBS Insurance Group. A 2004 graduate of Duquesne University, he has worked in the insurance industry since 2005,
joined HBS in 2009, and became a partner in 2015.
- Medicare
- Senior market
Chris Zappa
Partner
Chris is a graduate of the University of Pittsburgh.
He joined HBS in 2009 and became partner in
2016. He has been in the insurance industry for
over 20 years, and brings with him years of
experience specializing in the senior market.
- Medicare
- Senior market
Angela Frazier
President, Personal Lines
Angela is a 2002 graduate of Wheeling Jesuit
University and joined HBS in September 2022 to
help develop the Personal Lines department. She
has been in the insurance industry for over 20
years and completed the Insurance Institute API
designation in 2007. She brings years of
experience protecting clients in auto, home, and
life insurance. Angela resides in Weirton, WV with
her husband and daughter.
- Home & Auto
- Life
Sandy Marks
Chief of Staff
A Thiel College graduate currently residing in the
South Hills of Pittsburgh, Sandy has over 18 years
of experience managing brokers in both Individual
and Medicare segments. She leverages that
expertise to provide strategic guidance for brokers
while delivering exceptional support to clients.
- Medicare
- Individual Health
Your advisors
Find the advisor who fits your coverage
Filter by what you need help with — then email that person directly. No
routing, no hand-offs.
- All advisors
- Medicare
- Individual Health
- Group Products
- Home & Auto
- Life
Jordan Fate
Broker
A health insurance specialist
focused on senior Medicare,
individual, and group health
plans. Jordan graduated from
Robert Morris University and
joined HBS in 2021, helping
clients navigate their healthcare
options ever since. His client-
focused approach has made him
a trusted advisor in the field.
- Medicare
- Individual
- Group
Joe Masucci
Broker
Joe attended Robert Morris
University and joined HBS in
December of 2008. He has been
in the insurance business for
over 15 years across senior,
individual, and group health
plans. He is also a National Social
Security Advisor Certificate
holder, helping clients maximize
their Social Security benefits.
- Medicare
- Social Security
- Group
Aaron Kean
Broker
Aaron graduated from West
Virginia University in 2005. He started his career at HBS in 2016. In addition to maintaining his personal book of business, Aaron assists in the development of new agents at HBS.
- Medicare
- Individual
Kayla Sadler-Busbey
Broker
Kayla has been in the insurance
industry since 2015, gaining
experience in medical and
voluntary products. She joined
HBS in 2018 to expand the Small
Group sector. In addition to group
benefits, Kayla assists clients
with Medicare and life insurance.
She and her husband reside in
the Pittsburgh area with their son,
Beckham.
- Group
- Medicare
- Life
Linda Clautti
Broker
Linda has a doctoral degree from
Duquesne University in
Educational Leadership. A retired
school superintendent, she
enjoys educating people about
healthcare — especially
Medicare and legacy planning
options — so they feel secure in
their choices and their future.
- Medicare
- Life
Christine Olsen
Broker
Christine has been in the
insurance industry for eight years
and joined HBS in 2014,
specializing in the senior market.
She also provides solutions for
individuals and families shopping
the marketplace, plus life
insurance, hospital indemnity,
recovery care, and fixed
annuities.
- Medicare
- Individual
- Life
Jamie Wright
Broker
Jamie has worked in the health
insurance industry for 26 years
— the last 14 at Health Benefit
Services. She enjoys educating
seniors on their Medicare health
plan options, and looks forward
to helping you find yours.
- Medicare
Lynn Groomes
Broker
Lynn has been with HBS since
2010. She holds a master’s
degree in Social Work (WVU) and
Business Administration (RMU).
Lynn has dedicated her career to
helping clients understand health
insurance — Medicare in
particular — so they can make
the best possible decision.
- Medicare
Stacy Parker
Broker
Stacy started her insurance
career in 2015 in the voluntary
benefit space, working with
brokers and employers to enroll
employees in their benefits. She
joined our team in 2024 after
nearly a decade in the industry,
and specializes in Medicare —
helping clients navigate its
complexities.
- Medicare
- Individual
- Group
James DelGreco
Broker
James was born and raised in
Pittsburgh and graduated from
California University of
Pennsylvania. He has been in the
insurance industry for five years,
and recently joined HBS to
specialize in Medicare.
- Medicare
Autumn Giocondi
Broker
Autumn is a 2001 graduate of
Slippery Rock University. She
joined HBS in 2018 and has been
in the insurance industry since
2015.
- Medicare
- Individual
Chris Farrell
Broker
Chris began his insurance career
in May of 2022 with HBS. He
enjoys handling any insurance
need his clients may have and
educating them about their
coverage. Chris takes great pride
in making sure everyone he
advises has the proper
protection.
- Individual
- Home & Auto
Debbie Eiter
Broker
Debbie holds an Associate’s
Degree in Business Management
and has worked in banking and
as Office Manager for a start-up
engineering firm. She joined HBS
in fall 2024.
- Individual
Palma Dean
Broker
Palma brings more than 25 years of insurance industry experience and joined HBS in 2026. She specializes in Medicare, individual health insurance, and employer group health plans,
- Individual
Paul Lutty
Broker
Paul is a Pittsburgh native who specializes in Medicare, Life, and Health Insurance. He is passionate about helping clients understand their coverage options and make confident decisions,
- Individual
James Lane
Broker
James Lane began his insurance career at just 18 years old while still attending Pine-Richland High School and graduated in 2026. He specializes in Medicare and also assists clients with Property,
- Individual
Amanda White
Broker
Amanda brings more than 15 years of insurance industry experience, specializing in Medicare, Individual Health Insurance, Affordable Care Act (ACA) Marketplace plans, and Employer Group Benefits.
- Individual
Robert Donatucci
Broker
Robert began his insurance career with HBS in 2024 after attending Duquesne University. He specializes in Personal and Commercial Property & Casualty Insurance, helping individuals, families,
- Individual
Scott Lindstrom
Broker
Scott was born and raised in the Pittsburgh area and is a graduate of Chartiers Valley High School and the University of Pittsburgh, where he earned a degree in Mathematics and Economics.
- Individual
Client support
The voice on the other end
The first person you’ll hear from — and the one who keeps everything
moving after you enroll.
Jessica DeChicko
Administrator
Jessica joined HBS in 2014 from US Airways, where she was
a record analyst. She is an integral part of the day-to-day
business, supporting both clients and staff.
- Client support
Rebecca
Broker
Rebecca Small joined HBS in 2025, bringing more than a decade of insurance experience. Licensed in Property & Casualty since 2014 and Life & Health since 2015,
- Client support
Not sure who to ask for?
Tell us what you need. We'll match you.
Call the office or send one email — we’ll pair you with the
advisor who handles your coverage type, and you’ll keep that
same person from quote to claim.
Call us
Email us
Office
- 333 Rouser Road, Building 4, Suite 401 Moon Township, PA 15108
Hours
- Mon–Fri, 8:00 – 4:00
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