HealthCare Solution Benefits, Inc

What HealthCare Solution Benefits, Inc does

HealthCare Solution Benefits, Inc. (HCSB) is a privately held, founder-owned independent insurance brokerage headquartered in Bethlehem, Pennsylvania, that specializes in Medicare and health insurance advisory services for East Coast consumers and employers. Founded by Ann B. Miller, who brings over 17 years of health insurance experience, the firm operates as an unaffiliated agency not tied to any specific carrier, enabling it to offer product recommendations across multiple Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D carriers. Its primary customer segments are Medicare-eligible individuals (seniors aged 65 and over, including those approaching eligibility), employers with Medicare-eligible workforces seeking benefits guidance, and individuals seeking non-Medicare coverage such as long-term care, dental, vision, and hearing policies.

HCSB's core product portfolio spans six insurance categories: Medicare Supplement Plans (Medigap A, B, C, D, F, G, K, L, M, N), Medicare Advantage Plans (Part C), Medicare Part D prescription drug plans, Individual Health Insurance, Long-Term Care Insurance, and Dental, Vision & Hearing Insurance. The underlying 'technology' is primarily a relationship-driven brokerage platform supported by a third-party online portal — Medicare Now, powered by DestinationRx — that allows clients and prospects to compare plans and complete enrollment without an agent. The firm does not maintain a proprietary software platform, mobile application, or API, and there are no disclosed patents, trademarks, integrations, or AI capabilities.

Revenue is generated through commissions paid by insurance carriers on policies sold and on subsequent renewals. The go-to-market is sales-led and direct-to-consumer, combining licensed-agent consultations via phone, in-person, and virtual meetings with employer-channel workshops delivered on-site at workplaces or virtually. The firm is distributed across Pennsylvania, New Jersey, Delaware, North Carolina, South Carolina, and Florida, supported by a small team of approximately six employees including the founder, a licensed consultant, office management, IT/compliance, and bilingual Spanish-speaking support. Marketing relies on the company's website (hcsb.biz), Google Business reviews, and phone outreach rather than paid digital or social channels. No funding rounds, M&A activity, regulatory actions, or institutional ownership signals are present in the available data.

Name

HealthCare Solution Benefits, Inc

Legal name

HealthCare Solution Benefits, Inc

Website

https://hcsb.biz

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

HealthCare Solution Benefits, Inc. (HCSB) is an independent Medicare and health insurance brokerage headquartered in Bethlehem, PA, serving Medicare-eligible individuals and employers across the East Coast with licensed-agent-led plan comparison, enrollment support, and ongoing advocacy.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)

akta.pro secondary industries

Medicare Supplement (Medigap) Plans (FSAIAGAB), MA-PD Plans (Medicare Advantage with Prescription Drug Coverage) (FSAIAGAG), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Medicare insurance brokerage
• Health insurance advisory
• Medicare supplement plans
• Medicare Advantage plans
• Senior health coverage

Headquarters

HQ city

Bethlehem

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, HealthCare Solution Benefits earns commissions from insurance carriers when policies are sold and on ongoing renewals. They are not tied to specific insurance companies, allowing them to offer unbiased recommendations across multiple carriers.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

HealthCare Solution Benefits is an independent insurance brokerage that helps Medicare-eligible individuals and employers compare, select, and enroll in health insurance plans. Licensed agents provide one-on-one consultations by phone, in-person, or virtually, offering unbiased recommendations across multiple insurance carriers for Medicare Supplement, Medicare Advantage, Part D, individual health, long-term care, and dental/vision/hearing coverage.

Product overview

HealthCare Solution Benefits, Inc is an independent Medicare and health insurance brokerage offering a portfolio of insurance products. The core offerings consist of Medicare Supplement Plans (Medigap), Medicare Advantage Plans (Part C), Medicare Part D prescription drug plans, Individual Health Insurance, Long-Term Care Insurance, and Dental, Vision & Hearing Insurance. These products serve Medicare-eligible individuals and those seeking personal health coverage, with the company acting as an independent agent to provide unbiased recommendations across multiple insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Supplement Plans Medicare Supplement (Medigap) insurance policies that help cover out-of-pocket costs such as copayments, coinsurance, and deductibles not covered by Original Medicare. Plans include A, B, C, D, F, G, K, L, M, and N. Sold to Medicare-eligible individuals seeking to reduce their Original Medicare expenses.
• Medicare Advantage Plans Medicare Advantage Plans (Part C) are alternatives to Original Medicare that combine hospital, medical, and often prescription drug coverage into one plan, with additional benefits like dental, vision, and hearing coverage. Offered across East Coast states including Pennsylvania, New Jersey, Delaware, North Carolina, South Carolina, and Florida.
• Medicare Part D Plans Medicare Part D plans provide prescription drug coverage to help pay for medications, offered by private insurance companies as standalone plans or included in Medicare Advantage plans. Designed for Medicare-eligible individuals seeking to manage medication costs.
• Individual Health Insurance Personal health insurance policies purchased by individuals and families who don't have access to employer-sponsored coverage, covering doctor visits, hospital stays, prescription drugs, and preventative care.
• Long-Term Care Insurance Long-term care insurance helps cover costs of care needed when unable to perform daily activities due to aging, illness, or disability, including nursing home care, assisted living, adult day care, and in-home care. Aimed at individuals seeking asset protection and financial security for long-term care expenses.
• Dental, Vision & Hearing Insurance Dental, vision, and hearing insurance plans provide coverage for services not typically covered by standard medical insurance, including routine exams, cleanings, treatments, and corrective devices. Designed for individuals seeking supplemental coverage for oral, vision, and hearing health.

Named customers1 record

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• eHealth: eHealth operates one of the largest online Medicare marketplaces (Medicare plan comparison and enrollment). It overlaps with HCSB's Medicare brokerage offering but leads on digital self-service, contrasting with HCSB's high-touch agent model.
• GoHealth: GoHealth is a leading health insurance marketplace and Medicare-focused brokerage, distributing Medicare Advantage, Supplement, and Part D plans via a phone- and digital-led model. It is a direct competitor in the same Medicare brokerage category as HCSB, with substantially greater scale.
• HealthMarkets: HealthMarkets is a national independent insurance brokerage distributing Medicare, individual, and supplemental health products via licensed agents across multiple states. Comparable in business model and target customers to HCSB.
• HealthPlanOne: HealthPlanOne is an independent Medicare insurance agency offering Medigap, MA, and Part D plans via phone- and online-based licensed agents. Directly comparable to HCSB's Medicare brokerage model.
• SelectQuote: SelectQuote is a senior-focused direct-to-consumer insurance distributor specializing in Medicare Supplement, Medicare Advantage, and life insurance via licensed agents. Directly comparable to HCSB's senior-segment brokerage model.

Broad incumbents

• Humana: Humana is one of the largest Medicare Advantage and Part D carriers in the U.S. and operates its own direct-to-consumer sales channels alongside broker distribution. As a key HCSB carrier partner, it is both a supplier and a partial competitor in the senior insurance space.
• Anthem Blue Cross Blue Shield: Anthem is a major Blue Cross Blue Shield licensee offering Medicare Advantage, Supplement, and Part D plans in many of the same East Coast states HCSB serves. Competes both as a carrier partner and via its own direct sales force.
• Mutual of Omaha: Mutual of Omaha is a leading Medicare Supplement (Medigap) issuer and a major carrier in HCSB's distribution portfolio. Comparable on the Medigap product line, with far greater underwriting scale and brand recognition.
• Aetna (CVS Health): Aetna is a major national health insurer offering Medicare Advantage, Medicare Supplement, and Part D plans, and is one of the carriers whose products HCSB distributes. A broader incumbent that competes for the same end customer through its own direct and broker channels.

Emerging players

• Medicare Plan Finder (Medicare.gov): The official CMS Medicare Plan Finder is a free, government-run tool that lets beneficiaries compare and enroll in MA, Part D, and Medigap plans. It is a partial substitute for HCSB's comparison and enrollment service and is increasingly competitive as CMS improves the experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/healthcare-solution-benefits-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HealthCare Solution Benefits, Inc