Healthcare Benefit Services

Healthcare Benefit Services Welcome to HealthCare Benefit Services! Our focus on Medicare and Long Term Care planning allows us to deliver knowledgeable, specialized service. We guide . . .

Our over three decades of experience allows us to guide you through the complexities and help you make choices that are best for you and your family. HBS is a client-centered agency. Our priorities are education and service. A prime example is Medicare’s fall Annual Enrollment Period (AEP). This is an opportunity to determine if your drug plan for the upcoming year is still the best option. We’ll

run an updated analysis and show you all the plan options available and their costs. It may make sense to keep the plan you have or make a change. Decision is totally up to you. This process has helped our clients save thousands of dollars a year, simply by putting them on the plan with the lowest out of pocket costs. We are an independent agency that represents dozens of carriers. We provide an unbiased review of your options. you decide! Currently we represent 14 organizations which offer 113 products in the state of Colorado. For the additional states we are licensed in, we do not represent all plans. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of pr...
06/02/2026

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
✅ Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
✅ Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
✅ General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made...
05/25/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

If you or a loved one has been scammed, it can feel incredibly stressful and overwhelming. The good news is that there a...
05/15/2026

If you or a loved one has been scammed, it can feel incredibly stressful and overwhelming. The good news is that there are dedicated resources to help you recover funds, protect your identity, and report fraud.

🔹 FTC Fraud Reporting - Report fraud and get personalized recovery steps at https://reportfraud.ftc.gov/

🔹 FBI Internet Crime Complaint Center (IC3) - Report internet-facilitated crimes at https://reportfraud.ftc.gov/

🔹 Identity Theft Recovery - Get a recovery plan at https://www.identitytheft.gov/, the U.S. government's official identity theft website

🔹 AARP Fraud Watch Network - Reach out for support and guidance at https://www.aarp.org/money/scams-fraud/helpline/

The best thing you can do if you believe that you’ve been scammed is to report the fraud immediately. And remember, you are not alone.

We hope that you find this information helpful. As always, feel free to reach out if you have any questions or need guidance within the team’s area of expertise.

Scams are becoming more sophisticated, but there are clear red flags that can help you identify them quickly. Here is wh...
05/14/2026

Scams are becoming more sophisticated, but there are clear red flags that can help you identify them quickly. Here is what to watch for:

🔵 Sense of urgency - Scammers create pressure by instructing you to act before a deadline or implying something bad will happen if you don't act immediately.

🔵 Impersonation of trusted sources - Fraudsters pose as government officials, tech companies, or other trusted organizations to make their messages seem legitimate.

🔵 Too-good-to-be-true offers - Free money, significant discounts on products not on sale, or prizes requiring upfront fees are classic scam tactics.

🔵 Poor message construction - Look for email addresses with misspelled domains, spelling and grammatical errors in the body of the message, “Under Construction” or “Coming Soon” job link sites, and website error links in email signatures.

The best defense is to pause and verify the source. If you know the sender personally, reach out directly. If it is from an organization, contact them through their official website.

We hope you find these scam identification tips helpful. As always, feel free to reach out if you have any questions or need our team; we are here to leverage our expertise for your benefit.

With National Senior Fraud Awareness Day on May 15th, we wanted to reach out to go over several common scams making the ...
05/13/2026

With National Senior Fraud Awareness Day on May 15th, we wanted to reach out to go over several common scams making the rounds so you can quickly identify potential scam messages.

✅ Tech Support Scams - Fraudsters impersonate reputable tech support representatives and claim there is a problem with your device. They seek remote access or payment to "fix" issues that don't exist.

✅ Government or Medicare Impersonation - Scammers pose as representatives from Medicare, the Social Security Administration, or other agencies to collect personal information or payments. Real agencies do not solicit such data by unsolicited calls, texts, or emails.

✅ Family Imposter Scams - Criminals pretend to be a loved one in distress and pressure you to send money immediately.

✅ Sweepstakes, Lottery, and Prize Scams - You are told that you have won money but must pay fees to collect your "winnings."

✅ Romance or Investment Scams - Scammers build emotional trust online, then exploit it for financial gain.

We hope these tips are helpful as we all navigate an increasingly online world. As always, if you have questions or need guidance within our area of expertise, do not hesitate to reach out. We are here to help.

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there....
05/10/2026

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there.

From the late nights of the newborn stage to the late nights waiting up for teens, we owe moms a debt of gratitude — and sleep!

So whether you’re a mother yourself, you’re celebrating your mom, honoring your partner, or recognizing another maternal figure in your life, we hope this day is full of appreciation.

Graduation season is here, and we wanted to take a moment to celebrate the graduates in our network!Whether your graduat...
05/06/2026

Graduation season is here, and we wanted to take a moment to celebrate the graduates in our network!

Whether your graduate is completing Pre-K or their MBA, we want to extend heartfelt congratulations on this milestone.

Here’s to new beginnings, exciting opportunities, and all the big moments that lie ahead🎉

April is Stress Awareness Month, making now a great time to check in on how your benefits can help you navigate chronic ...
04/20/2026

April is Stress Awareness Month, making now a great time to check in on how your benefits can help you navigate chronic stress.

The good news is that many plans cover key physical health care services that can help treat the physical symptoms of stress. This can include preventive care, specialist visits, and primary care visits.

Additionally, mental health care services, including therapy, psychiatric services, and telehealth options, are also commonly covered. Seeking specific mental health care can help you address the root causes of the stress you experience and help you learn coping strategies.

Getting support for physical or emotional symptoms of chronic stress is important for your long-term health and wellness. If you have questions about your coverage, don’t hesitate to reach out. We’re here for you.

April is Stress Awareness Month, and we wanted to honor the month by sharing some key ways your health benefits can supp...
04/09/2026

April is Stress Awareness Month, and we wanted to honor the month by sharing some key ways your health benefits can support the treatment of chronic stress. Chronic stress can have serious impacts on both your emotional and physical well-being. Swipe through to learn more.

Getting support for physical or emotional symptoms of chronic stress is important for your long-term health and wellness. If you have questions about how your coverage can support treatment for these symptoms, don’t hesitate to reach out. We are always here to help.

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6638 W. Ottawa Avenue Suite #120
Littleton, CO
80128

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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