Getting help with Medicare for free can feel a little suspicious. How can expert advice on something so important cost you nothing? It’s a smart question to ask. Companies like The Health Insurance Store offer their guidance at no cost because they’re paid by the insurance company you choose, not by you. But does that affect the advice you get? We’re digging into the health insurance store reviews to find out. We’ll break down their business model and give you the clear picture you need to decide if their free service is truly on your side.
Key Takeaways
- Get a Broader View of Your Options: As an independent agency, their advisors compare plans from many different insurance companies, giving you more choices than an agent who only represents one carrier.
- Expert Guidance Comes at No Cost to You: Their advisory services are completely free. They are paid by the insurance company you enroll with, so you get professional help without paying anything extra for your plan.
- Find a Partner, Not Just a Plan: The Health Insurance Store focuses on education and year-round support, explaining your coverage in simple terms and remaining available to help long after you’ve enrolled.
So, What Exactly Is The Health Insurance Store?
Think of The Health Insurance Store as an independent insurance agency. Their main job is to help you sort through the often-confusing world of health insurance and find a plan that truly fits your life. Instead of representing just one insurance company, they work with many different carriers. This allows them to compare a wide range of options to find the right coverage for your specific needs and budget. They focus on educating people so they can make smart choices, providing personalized advice without any high-pressure sales tactics.
Company History and Credentials
The Health Insurance Store has been in business since April 1, 2007, giving them significant experience in the field. In an industry where plans and regulations can change from one year to the next, this kind of longevity is a strong sign of reliability and expertise. A long history suggests they have successfully helped many people find the right coverage, year after year. It also means they have a deep understanding of the market and have likely built solid relationships with various insurance carriers. This experience is crucial when you’re looking for someone to help you make important decisions about your health care coverage.
Leadership and Experience
The company is led by its owner, Mr. Aaron Zolbrod. Having a visible and consistent leader often translates into a more personal and accountable service experience for clients. Mr. Zolbrod’s experience guides the company’s mission to provide clear and supportive advice. When you work with The Health Insurance Store, you’re not just interacting with a large, anonymous corporation; you’re benefiting from a team that operates under established leadership. This structure helps ensure that the guidance you receive is consistent and aligned with the company’s core focus on client education and support.
BBB Rating and Licensing
When it comes to credibility, it’s helpful to look at official ratings and licenses. The Health Insurance Store holds an A+ rating from the Better Business Bureau (BBB), which reflects a strong track record of customer service and ethical business practices, even though they are not formally accredited by the organization. Furthermore, they are licensed by the Pennsylvania Insurance Department under license number 504130. This confirms they meet the state’s regulatory standards to operate as an insurance agency. These credentials provide an extra layer of assurance that you are working with a legitimate and reputable company.
What Can They Actually Do For You?
The Health Insurance Store provides a broad range of services to help you find the right insurance coverage. They can help you find and enroll in Medicare plans, individual health plans through the Health Insurance Marketplace, and life insurance policies. A key part of their service is assisting people in unique situations. They have experience helping individuals who are “Dual Eligible,” meaning they qualify for both Medicare and Medicaid. They also support those who need extra help with medical costs or have chronic conditions.
What Educational Resources Do They Offer?
The Health Insurance Store prioritizes education, which is a refreshing approach in an industry that can feel pushy. They operate on the principle that you should feel confident and clear about your health coverage, not just sold a policy. To achieve this, they offer a variety of resources designed to demystify Medicare. Their standout offering is the “New to Medicare series,” a collection of articles that directly addresses the most common questions people have when they’re turning 65 or starting Part B. This series is built to cut through the jargon and give you straightforward answers, empowering you from the very beginning of the process.
Within the series, you’ll find clear explanations on topics like whether you need to enroll at 65 if you’re still working, what the costs and coverage for Parts A and B look like, and the key differences between Medicare Supplements and Advantage Plans. This information helps you weigh the pros and cons for your specific situation. Their commitment to education is central to their service, ensuring you have the tools to make good choices for your healthcare. This support doesn’t end once you’ve signed up, either. They emphasize year-round assistance, making it clear that you have a partner to rely on for questions anytime, not just during enrollment season.
What to Expect When You Work With Them
The Health Insurance Store acts as an advisor, not a sales team. Their process begins with understanding your personal situation—your health needs, doctors, prescriptions, and budget. They use this information to research and compare plans from various insurance carriers. Because insurance rates are regulated, they guarantee you’ll pay the lowest possible price for any plan you choose through them. You won’t find the same plan for a lower price anywhere else. They present the best options and explain the pros and cons of each, but the final decision is always yours.
Is Their Guidance *Really* Free?
Yes, their guidance is completely free for you. This might sound too good to be true, but it’s how the industry works. The Health Insurance Store is paid a commission by the insurance company you choose to enroll with. This payment structure doesn’t affect your premium costs; your monthly payment is the same whether you use their service or enroll directly with the carrier. This model allows them to offer expert advice and ongoing support at no charge. You get professional guidance, and they get compensated by the insurance provider.
How Do They Stack Up Against the Competition?
When you’re looking for help with Medicare, you’ll find a lot of options. Some are large, impersonal call centers, while others are agents who only represent one or two insurance companies. The Health Insurance Store positions itself differently by focusing on personalized, independent advice. They aim to be a partner in your healthcare journey, not just a one-time service. Let’s look at how their approach stands out when you’re trying to find the right Medicare plan.
Are You Getting Advice or Just a Sales Pitch?
One of the biggest concerns when getting insurance advice is whether you’re getting a sales pitch or genuine guidance. The Health Insurance Store operates as an independent agency, which means their advisors aren’t tied to a single insurance company. Their goal is to act as your advocate, offering recommendations based on your specific health needs and financial situation, without any pressure to buy. This approach is different from captive agents who can only offer plans from the one company they work for. With an independent advisor, you get a broader view of the market and advice that puts your interests first.
Finally, Medicare Explained in Plain English
Medicare can feel like learning a new language, with all its parts, plans, and acronyms. The Health Insurance Store prioritizes making these complex topics easy to understand. Instead of overwhelming you with industry jargon, their team takes the time to explain your options in plain English. They want you to feel confident and informed about your choices. This educational approach ensures you’re not just picking a plan, but that you truly understand how your Medicare coverage works for you. It’s about empowering you to make the best decision for your long-term health.
Defining Key Insurance Terms
Insurance policies can feel like they’re written in another language. A big part of feeling confident in your choice is understanding what you’re actually signing up for. Think of a premium as your monthly membership fee to keep your plan active. A deductible is the amount you have to pay for your medical care before your insurance starts to help with the costs. Once you’ve met your deductible, you’ll usually pay a copay (a flat fee for a doctor’s visit) or coinsurance (a percentage of the cost). It’s also helpful to know that insurance companies must sell you a plan regardless of your health history. They cannot refuse to cover pre-existing health problems, which provides crucial protection for everyone.
Understanding the Major Insurance Companies
When you start looking at plans, you’ll see familiar names like UnitedHealthcare, Aetna, and Kaiser Permanente. It’s natural to wonder what makes them different. Each company has its own strengths. For example, UnitedHealthcare is a solid choice in many states and often has low deductibles. Aetna is known for high customer satisfaction and offers great programs for people with long-term health issues. If you live in an area with Kaiser Permanente, you’ll find it’s often an affordable option with excellent reviews. This is where an independent advisor becomes so valuable. They can help you compare these major carriers side-by-side to see which one offers the network of doctors and the specific benefits that matter most to you, ensuring you find the right fit without the guesswork.
Will They Actually Help You Save Money?
Because their agents are independent, they can shop around on your behalf. They work with a wide range of insurance companies to compare plans and find one that fits your budget without sacrificing necessary coverage. Their process involves looking at your specific needs—like which doctors you see and what prescriptions you take—and then finding the most cost-effective plan that meets those requirements. This saves you the time and hassle of calling multiple companies and trying to compare dozens of different plan structures on your own. They do the heavy lifting to find a plan that works for you financially.
Getting a Plan That’s Actually Right for You
Your healthcare needs are unique, and your Medicare plan should be, too. The Health Insurance Store avoids one-size-fits-all recommendations. They offer a wide selection of plans from both national and local insurance carriers, giving you plenty of choices. By getting to know you and your health situation, their advisors can identify plans that are a true fit. Whether you need a Medicare Supplement plan that covers out-of-pocket costs or a Medicare Advantage plan with extra benefits, they can match you with a solution tailored to your life, not someone else’s.
Understanding the Plans They Offer
While Medicare is a primary focus, a good insurance agency understands that people’s needs vary. The Health Insurance Store also provides guidance on individual health plans for those who aren’t yet 65 or don’t qualify for Medicare. This often means helping people with plans from the Health Insurance Marketplace, also known as ACA plans. These plans are a crucial part of the healthcare landscape, but they come with a unique set of rules and considerations that are important to understand before you enroll.
A Closer Look at Marketplace (ACA) Plans
Marketplace plans, created under the Affordable Care Act (ACA), are designed for people who need to buy their own health insurance. While they offer comprehensive benefits, they function very differently from employer-sponsored coverage or Medicare. For anyone considering an ACA plan, it’s essential to be aware of three key factors: how the costs are structured, the limitations of the provider networks, and the strict rules around when you can sign up. These elements can significantly impact both your budget and your access to care, making it important to have a clear picture before making a decision.
The Challenge of High Costs
The affordability of a Marketplace plan often depends on whether you qualify for a government subsidy to help lower your monthly premium. These subsidies are based on your household income. If your income falls within a certain range, you can receive financial help that makes your coverage much more affordable. However, if your income is too high to qualify, you are responsible for the full cost of the plan, which can be quite expensive. This is a critical consideration for early retirees who may not be eligible for Medicare yet but have an income that puts them above the subsidy threshold. An advisor can help you estimate your eligibility for subsidies and find a plan that fits your budget.
Limited Doctor and Hospital Networks
Most plans on the Health Insurance Marketplace use specific networks of doctors and hospitals, often in an HMO (Health Maintenance Organization) or EPO (Exclusive Provider Organization) structure. This means that to have your care covered, you generally must use providers who are in that plan’s network. If you see a doctor or visit a hospital outside the network for non-emergency services, you could be responsible for the entire bill. This can be a significant drawback if you want to keep your current doctors and they don’t participate in the plan you choose. It’s vital to check the provider directory carefully before enrolling to ensure your preferred doctors and facilities are included.
Strict Enrollment Windows
Unlike some other types of insurance, you can only enroll in a Marketplace plan during a specific time of year. This is called the Open Enrollment Period, which typically happens in the fall for coverage that starts on January 1st. If you miss this window, you cannot sign up for a plan unless you have a qualifying life event, such as getting married, having a baby, or losing other health coverage. These strict deadlines require you to plan ahead and act quickly. An agent can help you keep track of these important dates and make sure your application is submitted correctly and on time, so you don’t risk going without coverage.
What Happens After You Sign Up? A Look at Their Support
Choosing a Medicare plan isn’t a one-time decision; it’s the start of a long-term relationship with your health coverage. That’s why the quality of customer support is so important. You want an advisor who will be there for you when questions come up, not just when it’s time to enroll. Let’s look at what you can expect from The Health Insurance Store’s team, from your first call to ongoing support throughout the year.
What to Expect on Your First Call
Your first interaction with an advisor sets the tone for the entire relationship. Many people report positive initial experiences with The Health Insurance Store, often pointing to the expertise of the staff. They seem to excel at making a complicated process feel much simpler. One client shared their experience choosing a plan, saying, “I can’t say enough in positive feedback of our experience choosing plans with the knowledgeable, Rick Erickson.” This suggests that the team is well-equipped to explain your options clearly and help you feel confident in your choice from the very beginning.
Do They Provide Year-Round Support?
Health questions and insurance issues can arise at any time, not just during the Annual Enrollment Period. A major benefit of working with The Health Insurance Store is their commitment to year-round service. Their website states, “They provide year-round, local service, not just during open enrollment periods.” This is a crucial feature. It means that if you have a question about a claim in March or need to understand a change in your coverage in July, you have a dedicated person to call for help. This continuous support can provide peace of mind, knowing you won’t be left on your own after you enroll.
Will They Stick With You for the Long Haul?
The Health Insurance Store presents itself as more than just an agency that sells policies; they aim to be an educational partner. Their philosophy is built on empowering you to make informed decisions about your own health care. They emphasize that “they focus on educating people so they can make smart choices.” This approach is ideal for anyone who feels overwhelmed by Medicare jargon and wants to truly understand their coverage. Instead of just being told which plan to pick, you can expect to learn the “why” behind their recommendations, helping you become a more confident manager of your own health benefits.
How to Get in Touch When You Need Help
The Health Insurance Store offers several ways to get in touch, including by mail, phone, and video call, which provides flexibility. However, it’s worth noting that customer experiences with their responsiveness seem to vary. While many have successful interactions, some online reviews mention challenges. One Yelp review noted, “They don’t answer the phone; voice mail full. Didn’t respond to online request either.” This feedback suggests that while the team is knowledgeable, you might occasionally face delays when trying to connect. It’s a good idea to be aware of this and perhaps try multiple contact methods if you need assistance.
Should You Use The Health Insurance Store?
Choosing a Medicare advisor is a big decision. You want to feel confident you’re placing your trust in the right hands. The Health Insurance Store aims to be a helpful guide, but is it the right choice for you? Let’s look at who they serve, what customers say, and how to get started.
Agent vs. Buying Online: What’s the Difference?
It’s tempting to handle your Medicare enrollment online, but the difference between that and working with an agent is significant. When you buy online, you’re on your own to decipher complex plan details and compare dozens of options, which can easily lead to choosing a plan that doesn’t cover your doctors or prescriptions correctly. Working with an independent agent from a place like The Health Insurance Store means you have a personal advocate. They take the time to understand your unique health needs and budget, then compare plans from a wide range of insurance companies on your behalf. This expert guidance costs you nothing extra—your premium is the same—but you gain a dedicated partner for year-round support, ensuring your Medicare coverage continues to work for you long after you’ve signed up.
Who Is This Service Really For?
The Health Insurance Store is for anyone feeling overwhelmed by their insurance options. While they cover individual health and life insurance, they are a strong resource for Medicare. If you’re turning 65, retiring, or just want to review your current plan, their team can help. They are built for people who want clear explanations without having to become an expert. Their goal is to help you find the best plan for your needs.
Do You Really Need a Medicare Advisor?
Working with an advisor is smart when you want guidance without a sales pitch. The Health Insurance Store uses an advisory model focused on education. They take time to understand your health needs and budget before recommending options. This approach is ideal if you’re tired of aggressive sales calls and want to make a decision with confidence, not pressure. Since their advice is free and without obligation, it’s a great way to get an expert opinion.
The Health Insurance Store Reviews: What Real Customers Say
Customer feedback shows a clear pattern: people appreciate the friendly, informative process. Many reviews for The Health Insurance Store highlight how agents make complex topics easy to understand. Clients often mention feeling supported and valued, noting that the team is patient and precise. The consistent praise for excellent customer service suggests you’ll be in good hands if you’re looking for a supportive partner.
Ready to Get Started? Here’s How
Getting in touch with The Health Insurance Store is simple. The first step is to request a free consultation to discuss your needs. You can connect over the phone, through a video call, or by mail. There’s no obligation to sign up for a plan during this initial conversation. It’s an opportunity for you to ask questions and see if their process is the right fit before moving forward.
Related Articles
- eHealth Medicare Advantage Guide 2025: Compare & Choose
- Choosing the Best-Rated Medicare Brokers for Your Needs
- How to Find the Best Medicare Insurance Agent for Your Needs
- How to Compare 2025 Medicare Advantage Plans
- Difference Between a Medicare Insurance Broker and An Agent?
Frequently Asked Questions
How is your guidance free? It’s a fair question, and the answer is simple. We are paid a commission by the insurance company you choose, but only if you decide to enroll in a plan through us. This doesn’t change your monthly premium at all. Insurance prices are regulated, so you pay the same amount whether you use our help or sign up directly with the carrier. This allows us to offer our expertise and support at no cost to you.
Why should I use an advisor instead of going directly to an insurance company? When you contact an insurance company directly, you only hear about their specific plans. As an independent agency, we work with many different carriers. This allows us to compare a wide variety of plans to find the one that truly fits your doctors, prescriptions, and budget. We do the research for you and act as your personal guide, ensuring the advice you receive is centered on your needs, not a sales quota.
What if I’m already enrolled in a Medicare plan? That’s a perfect time to connect with us. Healthcare needs and plan benefits can change from year to year, so it’s always a good idea to review your coverage. We can help you look at your current plan to see if it’s still the best fit for your health and budget. There’s no pressure to switch; our goal is simply to make sure you feel confident and well-cared-for by your insurance.
What can I expect during my first conversation with you? Our first call is all about getting to know you. We’ll ask about your healthcare needs, the doctors you see, and the medications you take so we can understand what’s important to you in a plan. Think of it as a friendly, educational chat, not a sales call. There is never any obligation to enroll. We’re here to answer your questions and provide clear information so you can make a decision you feel good about.
Are you tied to any specific insurance companies? No, we are not. As an independent agency, our loyalty is to you, not to any single insurance provider. We work with a broad selection of both national and local insurance companies. This freedom allows us to focus entirely on your needs and recommend a plan based on what is genuinely the best option for your personal situation, without any outside influence.