I started with Barb because I had been fussing with my old personal lines carrier about their billing cycle. I sure wasn’t expecting the thoroughness of her presentation, and her genuine concern that we had adequate coverage for our situation. The cost was about the same, but the care so much better that we switched. With no pressure from the agency, we submitted our business insurance for review and they recommended some things that made very good sense, again at a reasonable price, so we switched that over. The office responds to our customer’s request to provide COI’s immediately and accurately. So, having done so well with all things insurance, when I lost my private health coverage, among many options, I checked with the agency about putting together a company plan, which we now offer to our employees. I can’t say enough about the genuine interest that this agency has in making sure we are balancing the cost of insurance vs our genuine need for protection. They’re pleasant, easy to work with, personable, and have our best interest at heart.
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Medicare Term Insurance
Empowering Your Informed Health Insurance Decisions
Our agency stands ready to equip you with invaluable insights into the realm of health insurance, ensuring you can make well-informed choices about your coverage. We recognize that the labyrinth of insurance can appear daunting, but rest easy, as we are committed to accompanying you on every leg of this journey. Our warm and expert team is wholly devoted to assisting you in discovering the precise health insurance policy that harmonizes with your distinct requirements, and bestows the peace of mind you rightly deserve.
The Importance of Medicare Term Insurance, and What You Need to Know
Medicare Term Insurance is a specific type of health coverage designed to complement your Medicare experience. It has several key aspects that set it apart from traditional health insurance:
- Coverage Tailored for Medicare Beneficiaries: Medicare Term Insurance is specifically for individuals who are already enrolled in Medicare. It is designed to fill the gaps that Medicare Parts A and B do not cover, such as co-payments, co-insurance, and deductibles.
- Sponsorship by Private Insurance Companies: Unlike traditional Medicare, which is a federal program, Medicare Term Insurance is offered by private insurance companies approved by Medicare. These plans adhere to the rules set by Medicare but can offer additional benefits.
- Customized Benefits: Medicare Term Insurance plans can vary in coverage and cost. Beneficiaries can choose a plan that best fits their healthcare needs and budget, with options often including additional benefits like prescription drug coverage, dental, vision, and wellness programs.
- Enrollment Periods: There are specific enrollment periods for Medicare Term Insurance. These include the initial enrollment period when you first become eligible for Medicare, and the annual open enrollment period when you can switch plans or make changes to your coverage.
- Protection from Rising Medical Costs: One of the primary benefits of Medicare Term Insurance is the protection it offers from the potentially high out-of-pocket costs associated with Medicare-covered services. This can include extended hospital stays, specialist services, and more.
- No Discrimination for Pre-Existing Conditions: Similar to group health insurance, Medicare Term Insurance plans cannot deny coverage based on pre-existing conditions. This makes it an essential option for older adults with existing health issues.
- Network Freedom: Depending on the type of Medicare Term Insurance plan, beneficiaries might have the flexibility to choose any doctor or healthcare provider that accepts Medicare, without network restrictions.
- Portability and Continuity: Medicare Term Insurance provides continuous coverage as long as premiums are paid, and it is not tied to employment or a specific organization, offering portability and peace of mind for beneficiaries.
- Regulatory Oversight: Medicare Term Insurance plans are regulated by Medicare, ensuring that they meet federal standards and provide essential benefits to beneficiaries.
- Tax Advantages: While Medicare itself does not offer tax benefits, certain costs associated with Medicare Term Insurance, like premiums, may be tax-deductible depending on your situation and tax regulations.
Medicare Term Insurance is a crucial component for those enrolled in Medicare, offering enhanced health coverage and financial protection. It helps bridge the gaps in Medicare coverage, ensuring that beneficiaries can access the healthcare services they need without the burden of excessive out-of-pocket costs. Our team at the agency is here to help you navigate the options and find the Medicare Term Insurance plan that best suits your healthcare needs and financial situation.
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What our clients say about us.
I’ve been working with Barb and her team for the past several months. I’ve been truly impressed with their level of service and professional expertise. They absolutely know this industry and how to help families and businesses in the community.
Randy Rohde
Barb and her staff are professional and help their clients find the best rates available. They are the best agency I have ever been with and offer a wide variety of services to help all their clients!
Michelle Serfozo
Very Professional and Dedicated Staff. Absolutely Courteous, Dedicated, Prompt and we always felt at home while dealing with them for almost over a decade and never thought of switching in spite of several price down offers. Good Luck, Keep up the good work.
Ramesh Vaid
A great place to handle your insurance needs! They have consistently been helpful when I call them and quick to answer questions or concerns. Very nice people to deal with in the over 10 years that they have been my primary insurance agency!
Roger Loveland
I have been with the Luczkowski agency for many years and will continue to do so for many more years to come. They strive to provide excellent customer service. I feel like a valued customer and I appreciate knowing if I ever need help my agent will be there for me.
Louise F.
EXCELLENT CUSTOMER SERVICE! You are treated like family! Barb and her staff go above and beyond for their customers! They are active with not only with their customers but also with the community ( an A++ in my book!) They are knowledgeable, kind and very prompt getting you information, getting you the best rates on any coverage or answering questions. I HIGHLY RECOMMEND this office and Nationwide!!
Kristine Shreves
Barb and the agents at the Luczkowski Agency are GREAT!! Whenever I have a question, I do not hesitate to call or send an email because I know they will get back to me with an answer. They are kind, efficient, and extremely helpful. Recently, I switched with another carrier associated with the Luczkowski Agency because Barb wanted to help bring my high insurance rates down. She knew that being a single parent with a college student was costly for me. I cannot say enough good things about this agency.
Melissa Eisel
We have been with Nationwide for almost 20 years now and wouldn’t think of switching to anyone else. We have been with Luczkowski Agency for a lot of that time and they take excellent care of us. We get great rates and they update them twice a year and give us savings anytime they are available. When other homes on our street got flooded, we were the only ones who actually got help from our Insurance Company! The only ones. I couldn’t believe the other companies didn’t do anything for their clients. They have gone out of their way to make life bearable when it has been hard and trials have come. We have used the car towing service repeatedly and they have always been there. We love Nationwide and think they are exceptional.
David Marks
Great agency! Always very helpful finding the coverage I needed. Was very quick to respond to any questions or concerns I had.
Louise Reames
They shop around and always get you the coverage you need at an affordable price. Staff is friendly and very knowledgeable.
Dale D,
The Luczkowski Agency always exceeds my expectations and the team provides outstanding customer service! I can call them with any questions and get an immediate answer from someone I know at the agency. I love the service and I highly recommend the Luczkowski Agency for all of your insurance needs.
Frank S.
I’ve had an excellent experience working with the Luczkowski Agency. Their communication is fantastic, they are pleasant to speak to, and are extremely helpful. I have multiple insurance policies with them and will be continuing to work with them. I highly recommend it.
Daniel C.
Barb and her team are the best. Service and attention to detail assure me that I have the right coverage, no more or less than I need, and at the right price. I have homeowners, auto, and even my motorcycle insurance with the Luczkowski Agency.
I had an auto claim, repairs done at the shop I chose, and no hassles at all getting the work paid. The follow up was great, Barb called to be sure the work was done and I was happy.
I give Luczkowski Agency my highest rating!
Norm I.
Insurance is a vital need in this busy and changing world, and you need care and support from knowledgeable and caring professionals…, and that would be The Luczkowski Agency Insurance & Financial Services.
For years this team has helped me find exceptional and affordable care for the entire family.
When we needed the Luczkowski team most, they were there for us.
I’m so grateful for the peace of mind and kind, caring support.
The Luczkowski Agency is the best insurance and financial service company in the business.
Elaine S.
Barb and her team are knowledgeable, professional, and dedicated to helping their clients–even if they may not be the best price. I would definitely recommend them!
Julia B.
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