We take a consultative approach to identifying the best plans for employer and employees: Health, Dental, Life, Disability. We focus on educating each individual on the options available and ensuring understanding before accepting an application: Health, Dental, Life, Disability, Medicare Supplements, Long-Term Care Insurance and Supplemental Insurance.Get the FREE Report now. Discover 5 simple, low cost methods of making the most of your employee insurance plan and get new tips every month as well as have access to exclusive deals.
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Let's face it. Insurance is complex. Lubenow Agency is focused on minimizing this complexity for employers and employees to ensure each organization and individual makes the best decision for their specific needs during initial enrollment, each annual enrollment, and life changes throughout the year.
An HMO plan only means that you have to use a participating provider, whether it is a doctor, hospital, lab or x-ray facility. We only work with the major insurance companies in each market. Most doctors and hospitals participate with the major insurance companies. HMO's do not have the same negative perception that they did back in the 80's.
Dental insurance is to provide coverage for the day to day routine dental work with some coverage for basic and major restorative work. Dental insurance will not cover the major total mouth restoration that could cost $30,000 to $50,000. Most dental insurance plans will have annual limits of $1,000, $1500 or $2,000 per person.
This is a very inexpensive benefit for an employer to provide for their employees. To offer a $10,000 life insurance benefit would cost only a couple of dollars per month. Most small businesses could get at least $20,000 guaranteed issued and in some cases as much as $50,000 of coverage with no medical questions asked.
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