Business Details
32 Years
experience
Your Trusted Partner for Insurance Solutions
Founded in 1994, Lubenow Agency has built a reputation as a trusted partner in navigating the complexities of insurance. With over 30 years of combined experience, our team specializes in providing tailored group and individual insurance solutions, including health, dental, life, disability, Medicare supplements, and long-term care coverage. We serve hundreds of companies nationwide, with a primary focus in New Jersey, Pennsylvania, and Delaware, and maintain licensing in approximately 20 states. Our commitment to client education and personalized service ensures informed decision-making during initial enrollment, annual renewals, and life changes. Doug Lubenow, our president, has been a prominent figure in the health insurance industry since 1989 and remains actively involved in legislative advocacy through the Association of Health Underwriters.Our team extends beyond traditional brokerage services, acting as an extension of clients' HR departments to address benefits-related inquiries year-round. We prioritize transparency, offering detailed policy breakdowns and proactive support, as evidenced by our clients' long-term loyalty and testimonials praising our thoroughness and responsiveness. Our expansion into Cranford, NJ, in 2016 reflects our dedication to meeting growing client needs while maintaining the high-touch service that defines our agency.
Services
Group Health
Group Dental
Group Life
Group Disability
Individual Insurance
Medicare Supplements
Long-Term Care
Critical Illness
Accident Insurance
Income Protection
Details
- Year established: 1994
Highlights and features
- We offer 30+ years of experience in health insurance and Medicare expertise.
- Our team acts as an extension of your HR department for year-round support.
- Licensed in 20 states with a primary focus on NJ, PA, and DE markets.
- We provide detailed policy breakdowns and proactive client education materials.
- Active legislative advocacy through the Association of Health Underwriters since 1994.
What people say
Best service
Professional and thorough
Excellent support staff
Highly recommend
Excel spreadsheet provided
Services
Group Health Insurance
We provide customized group health insurance solutions for employers, offering comprehensive coverage options that balance employee needs with organizational budgets. Our consultative approach ensures businesses understand all available plans, including HMOs, PPOs, and HSAs, while navigating compliance requirements. With expertise in plan design and cost optimization, we help companies maintain competitive benefits packages while controlling premium increases.
Medicare Supplements
Our Medicare supplement insurance solutions help individuals fill coverage gaps in Original Medicare, offering protection against out-of-pocket expenses like deductibles and copayments. We provide personalized guidance to help clients select appropriate Medigap plans based on health status and financial considerations. Our team also offers continuing education classes on Medicare options to ensure informed decision-making for seniors navigating retirement healthcare needs.
Long-Term Care Insurance
We specialize in long-term care insurance solutions that protect assets while ensuring quality care for future needs. Our offerings include traditional LTC policies and hybrid products combining life insurance with long-term care benefits. Through partnerships with top carriers, we help clients evaluate coverage options based on family history, financial situation, and care preferences while planning for potential assisted living or home healthcare expenses.
Individual Disability Insurance
Our individual disability insurance policies provide financial security by replacing a portion of income during extended work absences due to illness or injury. We help clients understand policy features like elimination periods, benefit durations, and definition of disability to select appropriate coverage. With access to multiple carriers, we offer tailored solutions for professionals across various industries to protect their earning capacity.
Group Disability Insurance
We design comprehensive group disability programs that protect both employers and employees against income loss from extended absences. Our solutions include short-term and long-term disability coverage integrated with workplace benefits packages. We assist businesses in selecting cost-effective plans that meet workforce needs while complying with relevant regulations, ensuring seamless implementation and ongoing administrative support.
People
Doug Lubenow
President
With 30 years of health insurance experience, Doug founded Lubenow Agency in 1994. He provides expert guidance on group health insurance and Medicare solutions while serving as Legislative Vice-Chair for the state AHU chapter.
Justin Lubenow
EVP-Business Development
Bringing 20 years of experience across benefits administration and Fortune 100 accounts, Justin leads business development efforts. He holds advanced degrees from Rutgers and Stevens Institute and joined full-time in 2016.
Melissa Fox
Director of Operations
Licensed since 2001, Melissa manages operations with 15+ years of insurance expertise. She previously served as Communications Chair and Treasurer for the Association of Health Underwriters' local chapter.
Michelle Barletta
Customer Service Manager
With 15 years in client relations, Michelle specializes in policy administration and claims resolution. She serves as primary liaison between carriers and providers, ensuring smooth enrollment and billing processes for clients.
Questions
What types of insurance does Lubenow Agency offer?
We provide group and individual health, dental, life, disability, Medicare supplements, long-term care, and supplemental insurance products for employers and individuals.
How does Lubenow Agency simplify insurance selection?
Our consultative approach includes detailed plan comparisons, cost-benefit analyses, and personalized education sessions to help clients understand complex insurance options and make informed decisions.
Which states does Lubenow Agency serve?
We primarily serve New Jersey, Pennsylvania, and Delaware, with licensing in approximately 20 states to accommodate clients across the United States.
What makes Lubenow Agency different from other brokers?
Our 30+ years of experience, legislative advocacy involvement, and personalized service approach set us apart. We act as an extension of HR departments and provide detailed policy documentation like customized spreadsheets for client clarity.
