diff --git a/src/layouts/quote/quote.vue b/src/layouts/quote/quote.vue
index 7722e2c09..83386e973 100644
--- a/src/layouts/quote/quote.vue
+++ b/src/layouts/quote/quote.vue
@@ -299,8 +299,9 @@ export default {
 
             const getIsInsuranceSelectedValue = (availableLineItems, insuranceThreshold) => {
                 const serviceLocationState = store.getters.order.serviceLocation.state;
-                // Override if coming back from QuoteDetails. Remove override after Quote release
-                const isInsuranceOverrideValue = to.query?.isInsurance;
+
+                // usually true when returning from heritage but can be false when returning from heritage on a save quote
+                const isInsuranceFromQueryString = to.query?.isInsurance;
                 const defaultIsInsuranceSelectedValue = store.getters.order.payment.isInsurance;
                 const hideRecalCost =
                     experimentMixin.methods
@@ -311,34 +312,42 @@ export default {
                 if (
                     serviceLocationState != null &&
                     payWithInsuranceStates.find((item) => item === serviceLocationState)
-                )
+                ) {
                     return true;
-                else if (isInsuranceOverrideValue != null) {
-                    return isInsuranceOverrideValue == "true";
-                } else if (defaultIsInsuranceSelectedValue != null) {
-                    return defaultIsInsuranceSelectedValue;
-                } else {
-                    if (availableLineItems) {
-                        const lineItemsForCalculatingPrice = hideRecalCost
-                            ? baseMixin.methods.filterOutFees(
-                                  baseMixin.methods.filterOutRecalibration(availableLineItems) // Strip out recal before filtering out fees
-                              )
-                            : baseMixin.methods.filterOutFees(availableLineItems);
-
-                        return (
-                            baseMixin.methods.getTierOnePackagePrice(lineItemsForCalculatingPrice) >
-                            insuranceThreshold
-                        ); // compare base price vs arbitrary threshold (representing insurance price)
-                    } else {
-                        return null;
-                    }
                 }
+
+                if (defaultIsInsuranceSelectedValue != null) {
+                    return defaultIsInsuranceSelectedValue;
+                }
+
+                if (availableLineItems) {
+                    const lineItemsForCalculatingPrice = hideRecalCost
+                        ? baseMixin.methods.filterOutFees(
+                              baseMixin.methods.filterOutRecalibration(availableLineItems) // Strip out recal before filtering out fees
+                          )
+                        : baseMixin.methods.filterOutFees(availableLineItems);
+
+                    if (isInsuranceFromQueryString != null) {
+                        if (isInsuranceFromQueryString == "true") {
+                            return true;
+                        }
+                    }
+
+                    return (
+                        baseMixin.methods.getTierOnePackagePrice(lineItemsForCalculatingPrice) >
+                        insuranceThreshold
+                    ); // compare base price vs arbitrary threshold (representing insurance price)
+                }
+
+                return null;
             };
+
             let thresholdToUse = INSURANCE_TAB_TO_DISPLAY_THRESHOLD_DEFAULT;
             let internalThreshold = experimentMixin.methods.getSettingValue(
                 experimentSettings.INSURANCE_TAB_TO_DISPLAY_THRESHOLD_INTERNAL
             );
             const isExternalParameter = store.getters.externalParameterState?.isExternalParameter;
+            console.log("parm:" + isExternalParameter);
 
             if (isExternalParameter === externalParameterStatus.NOT_SET) {
                 // there are no active or inactive external parameters; use internal threshold