diff --git a/src/store/index.js b/src/store/index.js
index da849c127..bdf6c48a7 100644
--- a/src/store/index.js
+++ b/src/store/index.js
@@ -720,7 +720,8 @@ export const mutations = {
         // if we're loading a session and we do not have a provider number yet, then set isInsurance to null so that
         // a service package is not selected by default on the quote page.
         if (
-            !sessionInformation.order.payment.isInsurance &&
+            (sessionInformation.order.payment.isInsurance === null ||
+                sessionInformation.order.payment.isInsurance === undefined) &&
             !sessionInformation.order.serviceLocation.provider?.providerNumber
         ) {
             state.order.payment.isInsurance = null;