Medicare in Moorestown, NJ
For most people, the topic of Medicare, including how to go about getting coverage and what coverage you might need, can be a bit convoluted. The professionals at Lubenow Agency in Moorestown, NJ understand that you may be confused about the intricacies of Medicare, which is why we are here to help.
Medicare is broken into five main parts:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
- Supplemental (Medigap Coverage)
Original Medicare, or coverage for Parts A & B, are managed by the federal government, so the team at Lubenow Agency will not be able to help you get coverage for these. However, if you are seeking out coverage for Parts C, D, or Medigap - we can help you find the right plan.
Coverage for Medicare Advantage, Part D, and Medigap are all offered by private insurance companies, which is where our experienced team comes in. We can assist you in finding and comparing different plans. We’ll work with you to establish your individual needs and ensure that the policy you choose meets those needs. Call our skilled team today to get started.
I fell into the COBRA TRAP and Justin Lubenow was the most knowledgeable medicare advisor I spoke to and the only one who was able to help me
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!!
The best professional and friendly service ever...
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
Good decision to seek professional help!
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 responsive and knowledgable
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.
Highly qualified in all aspects for Insurance
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.
Don't deny yourself this service!
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 informative no unanswered questions
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.
High quality service, definetely recommend
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.
Provided free needed community service
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,
Lubenow Agency - what a great find!
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
Help with Medicare supplemental insurance
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.
Best service, professional and thorough
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.
Totally organized, knowledgeable and efficient.
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.
Consistently great service
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.
Always helpful and responsive
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.
One very top-notch agent!
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.
High quality and professional.
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.
Making insurance easy
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.
Excellent service, follow-up and concern for employer and employee alike
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.
Professional and very knowledgeable
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!!
High quality, professionals
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.
Professional, efficient and courteous
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.
Professional service with integrity
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.
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- Chamber Of Commerce Member Since 1998
- Medicare Advisory Board For National Association Of Health Underwriters
- Past President Of South Jersey Health Underwriters
- Past Legislative Chair For NJ Health Underwriters
- Member Of National Association Of Health Underwriters Since 1992