The fact that my former employer, a large law firm, recommends that retiring employees use Senior Advisors and, specifically, Justin, says a lot. Justin was instrumental in helping us navigate the Medicare, gap insurance and prescription drug processes when I retired. He explained everything, gave us advice on how to file for Medicare and deal with Parts B and D premium issues, and set us up with gap and drug policies tailored to our specific needs. I have recommended him to several friends and family members, who have also given him glowing reviews. I intend to ask for his advice and help when it’s time to review and/or replace my gap and drug policies. A+++!

The people in this business are the most efficient people my wife and I have ever worked with ! Have been using their services for many years. I highly recommend them ! Totally recommend them !

Bob R. guided us through the fairly complex maze of choosing the best Medicare Supplemental and Part D Rx plans. We had one plan in mind going in but he was able to clearly explain the shortfalls of that plan and recommend one that was much better suited for us. He quickly responded to all our questions and stayed with us after our registrations were complete. I have recommended Bob to two of our friends already.

Very knowledgeable and practically submitted the forms needed for coverage. Picked the best Rx coverage based on my current meds and future coverage. Always available.

My wife and I are thrilled at the service we have received from Justin. He is a true professional that will guide you to the best coverage to meet your needs. We continue to recommend to all of our friends and family to use the services that Justin provides. We were truly fortunate to have met him and his team and we HIGHLY recommend them!!!!

To be perfectly honest, I don't remember exactly who directed me to Justin, but it was a good thing. He is beyond the term, "total pro," because he is everything you would want and expect from a Senior Planner, and more; he is someone who genuinely has your best interests at heart.

I let my wife listen to this, not because I know all, but because I’ve been listening to you for a few years now. Excellent webinar. I would not expect anything less from you Justin. We need advocates like yourself and we’ll be seeing you soon. Retirement is around the corner. Yeah!! All the best, Joe and Leslie

Excellent webinar. Professional explanation of the Medicare and Medicare benefits and supplemental insurance options.

Easy to work with and very responsive.

Justin Lubenow helped us immeasurably when we first went on Medicare and needed to select a supplementary plan and drug plan. Since then, he has maintained contact and every year provided a new analysis to confirm our choices. He answers questions immediately and all of his advice has been extremely helpful. Highly recommended.

I actually would like to give them 10 stars at least. Bob Riley is a hero to me! He has connected me with better insurance at a lower cost! He is knowledgeable, personable, and very professional.

My experience with Senior Advisors has always been stellar...my agent Mike Salum made everything so very easy ...he found me the best insurance at the best price...I highly recommend them

I can't be strong enough in my praise of Justin, and his team. My wife, and I were guided through the waters of registration, and application for Social Security benefits including supplementary coverage, and prescription plans. I have had to contact Justin with problems, and questions, and every instance resulted in prompt reliable solutions. Even when Justin was on VM, it was only a very short time before he was on the phone. A truly impressive, and professional organisation. Sincerely, David Patterson

My first contact with the Lubenau agency was through a seminar given by Doug Lubenau. I was already on Medicare but thought I would attend anyway. It was the best thing I could have done. I had an appointment with Doug a few days after the seminar & he explained how important it is to have a supplement to Medicare part B and got me enrolled immediately. When my husband retired a few months later he also walked us through my husband’s part B application. His staff automatically review best rates for prescription coverage and take care of both the research and application. I cannot say more emphatically that this company is the best. I will and have recommended Lubenau Agency most highly.

Excellent service, accurate, helpful in solving an unusual need!

I am very pleased with the program that LUBENOW professionals have designed for me. I have referred my family members and friends to them and they are all equally satisfied.

Doug and his team guided my wife and I through Medicare Insurance options and helped us select the plan that was best for us. They are very knowledgeable about all aspects of the program including prescription coverage. We were very pleased with the excellent advice and plans provided.

I have been with Doug Lubenow and his team for many years starting with my company where he handled all of our insurance needs. Always professional and always there for us. When it came time for me to step away and enter retirement it was a no brainer reaching out to Doug for my transition to Medicare. Again always a professional and helped me along the way which was a confusing process made easy by Doug and his team. Highly recommend!!!

I don’t know what I would have done without Justin. He got me through the Medicare process which can be so confusing. Thank you Justin.

Mike Salum a true professional with knowledge and service that took all the time needed to help me understand and make the best decision on our health insurance plan. Highly Recommended

We heard about Doug and the Lubenow Agency from a friend with a glowing recommendation. We got the information we needed to make decisions that helped us as we moved into retirement. Doug’s recommendations have been spot on for us re drug and supplemental plans. We would recommend this agency to others..

Been with Doug and team 18 months and very satisfied with advice and recommendations that cover me for my health and prescription needs - had no hesitation accepting suggested change in prescription plan for 2020, again good coverage for my meds and cost effective too. Been in office 3 or 4 times, always warm welcome and know who I am...

Bob Riley has taken great care of me and my wife.He advised alternative plans that saved us thousands... I plan on sending Bob whatever future business I can his way... I recommend Bob AND HIS COMPANY HIGHLY...

I Am Very Happy with the services I have received from Justin. . He is always right there to give good advice. He always replies to my emails very quickly. His guidence has been greatly helpful to me. He is the Best........................

New to medicare this year and was finding it all overwhelming. Felt comfortable with the professionalism and friendly guidance I/we received from Doug and his staff.

Doug gave me excellent advice when it came to choosing a long term health insurance plan. In addition when I was looking for a medicare supplemental health plan,he advised me to get the ''F'' plan.even though my wife and I were healthy. Unfortunately my wife became ill. However the plan saved us from extensive medical costs during her illness. I too have recently had illnesses that fortunately were covered by what medicare did not cover. I will be forever grateful that Doug gave me sound advice.

After attending a local Senior Advisors seminar, I made a follow-up visit with my wife to meet with Mike Salum. He listened intently to our situation and guided us through various aspects of Medicare. We reviewed the pros and cons of several plans (supplemental, Rx, deductibles, etc.) and ultimately felt very confident with our final choices. Mike made sure we understood the filing process (forms, SS appointments, and deadlines) and was awesome throughout the entire process!

Absolutely awesome! In 10 minutes Justin explained everything that I needed to know helping me select the best medicare supplement and prescription plan for my needs.

Justin is excellent! He takes great care of his clients and answers all questions. He knows what he is doing and I can really count on him. He always keeps his clients updated on anything new. He's the best!!

Bob Riley and Justin Lubenow have helped us tremendously through the confusing Medicare maze. In addition to being knowledgeable and patient, they are ultra responsive. Whenever I've called or emailed, I hear from them immediately. As a retired insurance broker, I understand it isn't always easy dealing with clients and all the various products which include different premiums, co-pays, deductibles, coverages, etc. But, somehow, Bob and Justin make the whole experience painless and understandable. I highly recommend this team at Senior Advisors to help you make the right choices for your insurance needs.

After trying to research and work through the Medicare maze were totally confused. Jonathan took the time to walk us through the process and help us to make informed decisions about a supplemental carrier that was best for our circumstances, and ensured that we we’re submitting all required documents. He was patient, professional and knowledgeable and made a daunting process so easy for us. I would not hesitate to recommend him to friends and family.

Always patient, considered our situation, and knowledgeable to the current benefits and insurances.

Justin Lubenow has made the Medicare maze easily navigable for me, helping to define my needs, showing me the best options for my situation. I recommended my husband to use Justin's expertise. He was in the system for awhile, Justin was able to save him time and money for the best provider for his medications. We strongly recommend a consult with Justin Lubenow.

Great help with Health/Medicare To the point to simplify confusing options offered Thank you

Jason is very good at what he does, he helps us to get a good health plan. He is always there to answer questions. He is honestly the best. - R and N. White

I am one of the unfortunate few who mistakenly fell into the COBRA TRAP because I entered into a Cobra Plan at the age of 65. I contacted many highly recommended Medicare Advisors and Insurance brokers. The only one who had a deep understanding of my situation was Justin Lubenow and more importantly he was able to help me get an insurance policy to protect me for the one year period that I would have been uninsured because I had missed the general enrollment period. Besides his knowledge and experience, I was most impressed by Justin's willingness to spend the time and energy to help me through a very stressful experience. I will certainly recommend Senior Advisors to all my friends who become Medicare eligible.

I was introduced to Justin Lubenow of Senior Advisors just prior to my 65th Birthday. Justin was patient, professional and clearly explained my options and made specific recommendations based on my specific situation.Each anniversary, I get a follow up contact from Justin advising what my new options are. He has made the process of navigating these very confusing waters easy. Kudos to Mr. Lubenow for a job well done. I would not hesitate to recommend him to any friend or business associate. Thank you Justin! Eugene N, President & Founder Galaxy Glass & Stone Fairfield, NJ

Service -- highest quality. Everyone is thorough , very professional and accommodating. Know their business and work hard to make sure you, the client , is taken care of and satisfied. Very, very happy to continue to be one of their clients We started in New Jersey with the agency and continue with them even with our move to Naples Florida. Five star service ALWAYS!!

I have been working with Justin Lubinow for more than a year. He has been extraordinarily helpful and honest in creating the best healthcare plan for me. He has helped make changes when other options proved to be more advantageous in regard to coverage plus financial savings. I highly recommend his expertise, knowledge, patience and service. You will make the right decision with his guidance!Judy

Extremely helpful and very informative. It took a great deal of patience to explain this sea of options. We were very confused and unsure of what we were doing and they made it clear which choices were the best for us. It took us months of research and debates and still didn't figure it out. They made it simple and we left there feeling a whole lot lighter!

Very professional organization that helps get results for the best possible solution to the confusing drug world that we are all involved in. Would recommend this excellent organization to anyone.

The Lubenow Agency is extremely knowledgeable,patient and professional. Phone calls returned promptly and no question goes unanswered. I have been with them for 3 years and will continue giving them my business.

Approaching 65, I was blitzed with solicitations by mail urging me to sign up with the senders' Medicare supplemental coverage. Having friends who instead used the Lubenow Agency, my wife and I went straight to them. These are people aware of the range of plans available., They assess your personal needs and pinpoint options that will work best for you...not people in general. You may let individual providers tell you how "best" they are. Or you can put yourself in the hands of people who know all the choices, and how they stack up for you. You end up with coverage that actually minimizes your out-of-pocket expenses. So little time and effort is involved. Just do it. I'm glad I did.

Very knowledgeable in every aspect. A subject that can be very confusing was made clear and simple. I was guided to the best and most economical plan to suit my particular situation.I would strongly recommend this agency to everyone ready for Medicare.Rick Bravo.

I contacted agents at other firms before reaching Justin. He was so much more knowledgable and helpful that I knew from one conversation that he was the agent I wanted to deal with. He gave me detailed answers to all my questions which made me have a lot of confidence he knew what he was talking about, and never showed impatience with me. Also, he always gets back to me very quickly which I appreciate. I definetely will be in touch yearly for a review of my policies.

Lubenow has never benefitted directly from me, but I refer all my friends because of the wonderful community service they provide for those on Medicare. Every year they look over the medications I take and provide excellent feedback on choosing the best supplemental drug plan. This year we will potentially save $500. Without their service I would have just stayed with who we had. With yearly changes of meds, and company options, they provide a much-needed service so graciously, thanks,

Having just retired, I was faced with an awesome task of finding replacement health and prescription drug coverage to supplement Medicare. Everywhere you turn someone is trying to sell you something that may or may not be in your best interest. By sheer luck I completed an online inquiry about Medicare supplements and found the Lubenow Agency. Within a very short time I received a call from Justin Lubenow and immediately scheduled an appointment. Justin was very patient and informative and placed us in a Medicare supplemental plan and drug plan that best suited our needs. He has followed up on numerous occasions to be sure we received the Plan documents and if we had any questions. I would recommend this agency to anyone and look forward to working with them going forward.

The Lubenow Agency has been our health/life insurance brokers for over 10 years for both business and personal insurance policies. Doug and staff have always been professional and are my go-to people with any questions, getting back to me promptly. They continue to always show me choices for the best and most cost effective plans. I wouldn't think of looking at any other broker.

The agents were very helpful

Doug and his company have been our medical insurance provider for over 3 decades. Just a testimonial that when you find the best stay with 'The Best' The Cherenack family and our various companies the Lubenow Agency has supported Very truly yours Tom Cherenack

When I was to begin receiving Medicare, I needed guidance to select supplemental insurance. This was done by the Lubenow Agency and I have been very satisfied with my choice. Also, after answering a few questions about my current medications, a most economical drug plan was recommended. At about the same time, a different plan was suggested for my husband.. These plans revirewed on an annual basis to make sure they are still the best choices for us.

Lubenow Agency has provided medical, dental, long term disability, life and accidental death insurances to our company for many long years. Each year, prior to our renewal, we are shown the options, any changes in the benefits and the pricing applicable to the various choices. They are a highly experienced team with an excellent support staff. Our people often call them to inquire about their coverage if our management cannot answer their questions. This saves our company a lot of time. Many of us also have various personal life insurance policies with them. One time they even provided me an excel spreadsheet of my personal policies listing all the details that I requested, expiration date, coverage amounts, payment due dates, etc. Service doesn't get better than this! We highly recommend them.

Currently taking care of my group medical/dental insurance. I have been in business for over thirty years. This is the best insurance agency I have ever dealt with. Not a phone call or a question goes unanswered. Totally impressed with the entire office staff. Makes this part of my work life very easy.

We have been working with the Lubenow Agency for over 20 years - from year 1 through today - service is consistently great. From annual renewal to day-to-day changes, Lubenow Agency allows us to focus on our business while making sure our employees have a first-rate health insurance program. I recommend the Lubenow Agency without reservation.

I appreciate the outreach each year to make sure I have the correct insurance coverage, and if not, how to resolve the situation. Staff is great and I appreciate their cooperation.

Over the years, Lubenow has helped my husband and me several times to select the best medical insurance. They counseled us in insurance selection pre-Medicare. And then as we became Medicare eligible, guided us in selecting the best Medicare coverage. I highly recommend them for their knowledge, professionalism, and friendliness.

I admit that I was a bit reticent regarding using an agent to obtain Medicare coverage. But it's all too easy to be taken in by the myriad of ads out there touting that "they" have the best coverage for the best price. Spend some time shopping around that way, and you'll soon find out many of these hucksters don't have your best interests at heart. I took the plunge with Doug this past January, and, as they say, haven't looked back since. Doug Lubenow is professional, as well as his office staff. He not only has your best interests at heart, he takes the time to go over the myriad details - even if it seems overwhelming at first. When you walk out of Doug's office, you will have gotten the best bang for the buck, and will not have paid a penny more that you should for the coverage that most benefits you. I have sent several people to Doug - and they have all signed up and called up to tell me how pleased they are.

Our experience with the agency was wonderful. They were knowledgeable and able to answer all of our questions. We are fortunate to have been referred to them. They made signing up for Medicare a painless process.

Thanks to Doug and his staff, we have been able to get prescription coverage that is best for us. Each year we send over our list of scripts and Doug's staff, finds us the best company for that year. Much appreciation for the excellent service

Excellent service with an in depth knowledge of the industry. I would highly recommend them to others.

Very responsive to all calls and questions and helpful. Seem to have client's best interests in mind.

I have been working with the Lubenow Agency for 8 years and I'm always pleased with their customer service, attention to the details, friendly interactions, and concern for the employees and employer as well. Doug has always worked with us during our annual renewal to provide us with the best possible medical plans based on the cost, coverage offered, while sharing with us his knowledge of the plan details and past experience with the carrier. Whenever we have questions regarding coverage, claims, billing, etc, Diane and Melissa are always extremely helpful and great at following-up on any issues. I would recommend The Lubenow Agency to any small group seeking an excellent and attentive broker.

Lubenow Agency provides excellent customer service and are very knowledgeable when we have questions, which is often, as we have over 450 employees. In addition, they always take the time to review our policies and find us the best rates and coverage for our employees. They are also very nice and patient and I could not ask for a better insurance agency!!

Excellent customer service with a friendly atmosphere

My company has been working with Doug and his team for many years and have always had a positive experience with any questions/concerns that we had with respect to our health insurance for our employees. While we are a small company Doug is always accessible to us. Diane and Mellisa are very supportive to our request.

We have been doing business for over 20 years and have received tremendous service. The staff is polite and extremely knowledgeable about the medical insurance industry.

My small business has been a client of Lubenow Insurance for over 12 years now. They handle the administration of our group health plan in PA. As we have grown, our needs have gotten more demanding. Doug and his team have been there every step of the way. With prompt answers to questions and service that goes above and beyond, we feel confident that we are in good hands. We highly recommend that you work with Lubenow Insurance.