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About Us

About Loyalty Insured LLC
Team High Five

We’re Loyalty Insured LLC and we help individuals and businesses in Pennsylvania understand Medicare and navigate through the myriad of health plan choices offered to Medicare beneficiaries.

We believe knowledge is power. We provide education in an unbiased manner so people can make informed decisions regarding their Medicare health and prescription plan options.

There is never a fee for our services. Our services are funded by a commission paid by any insurance company where the coverage is placed, This commission payment does not impact the price a consumer pays for their Medicare insurance plan. All prices are set and filed with the state and/or the Centers for Medicare and Medicaid Services (CMS), including those plans with zero premiums. This enables us to be focused and dedicated to connecting insurance consumers with benefit plans which match their needs and budget.

We believe in providing top-notch personal service and take the time to help those we serve understand one of the most important decisions they will make regarding their healthcare coverage. We do everything in our power to improve their current situation. We enjoy the times we help our clients reduce their costs while maintaining similar coverage but are excited when we help reduce costs while improving their coverage.

The business was started after the owner spent more than two decades specializing in employee benefits and witnessed a real need for Medicare education in the workplace. While helping a family member navigate the maze of Medicare, he personally experienced just how confusing it can be.

Being in his nature to help people, he decided to pivot from employee benefits to Medicare insurance. This background served as a real advantage in helping to fully explain the transition from company benefits to Medicare insurance.

We are building a team of experienced insurance professionals to address the need for Medicare insurance education and enrollment services. Team members contract with all top carriers so there is no company or plan on a push list. The team works with individuals and businesses.

We personally invite you to contact Loyalty Insured LLC if you are an individual or business seeking to learn more about Medicare or an experienced insurance professional endeavoring to help people with their Medicare insurance needs.

Contact us for assistance
We are here to help you!
Serving Central PA
We serve the following Counties

Dauphin, Cumberland, Adams, York, Lancaster, Lebanon, Berks, Schuylkill, Northumberland, Snyder, Juniata, Perry, and Franklin


Tel: 717-580-3640


Monday - Friday 

8:30 am to 5:30 pm



9:00 am to 12:00 pm


Evenings by Appointment


We Can Help Solve The Medicare Puzzle!

Our Mission

Our mission is to educate consumers, empowering them with the knowledge needed to make wise benefit decisions.

Meet the Owner



Owner and President of Loyalty Insured LLC. Rick's career in the insurance business began over 25 years ago in the Human Resources department at a local hospital. He then joined an Employee benefit communication firm serving as the Managing Director. Married to the love of his life with 4 children and 11 grandchildren, he enjoys helping others, providing superior customer service, fishing, gardening, fitness, and spending time with family and friends. 


"I’ve known the owner of Loyalty Insured for years now and had absolutely no qualms recommending them to my parents who were very impressed with the representative they met with.   Super professional, knowledgeable, and personable.  He took the time to answer all their questions, absolutely no pressure.  My parents feel they were able to make the best choice for them because of the thorough comparisons he did across many plans! 

Thanks Loyalty!"

Steve Y.

Richard Smith is dedicated to assisting those who are somewhat apprehensive about Medicare. He has done his homework on the various plans available. And is, therefore, the best resource to guide you through the maze. He's honest and frank and was a real help to me when I was considering changing my advantage plan. A real five-star guy!


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