About Us

who we are

HealthCare Benefit Services

Started in 1988 by Tammey J. Sullivan, HealthCare Benefit Services Inc. is an independent insurance brokerage agency specializing in Medicare and Long Term Care planning. With more than 35+ years working in the senior market, Tammey is recognized as a leader and trusted counselor by her peers. This includes her certification to teach long term care courses to brokers and financial planners and advisory work with the Colorado Division of Insurance. Tammey’s passion to serve clients and their families is the cornerstone of HBS.

Tammey’s husband, Tom Sullivan, joined HBS in 2001 as a Medicare Specialist. Tom’s vast knowledge of Medicare has made him a sought after expert by other professionals including financial advisors, CPAs, attorneys and HR representatives. They know when referring their clients to Tom, regardless of the complexity of their situation, they will be well informed of their options and guided through the process start to finish. Tammey and Tom’s daughter Torrie is also part of the HBS team, having joined as a Medicare Specialist in 2017.

Tammey and Tom’s success is a testament to doing right for the people you serve. Their business has grown exponentially over the years allowing them to expand and train other independent agents to join their agency. Jenell Sobas is also part of the HBS Medicare Specialist team.

what we do

About Our Services

It starts with a thorough understanding of your situation. We’ll help you navigate the complicated process of applying for Medicare and all the do’s and don’ts. Based on your physicians and medications we’ll prepare a detailed analysis to present you your options. You can be assured we take the proper amount of time to be sure you are confident in your decisions. We guide . . . you decide!

Our Office Manager, Penny Haydt, has been with us since 2006. She makes sure our clients are well taken care of through the application process, to policy issue, to claims concerns and everything in between. Penny and the entire HBS team are committed to providing timely response and assistance when you need it.

There is never a fee to work with us. If you choose to do business with us we are paid commission by the insurance companies we represent.

clients & customers


Our motto, “We are problem-solvers, not policy peddlers.” HealthCare Benefit Services, Inc. understands our number one priority is you.

How to Get Started

Request Your Analysis Today

We have a streamlined form to start your Medicare Planning Options analysis. This is the first step in a thorough review specific to your situation. Click Get Started