Business Details
32 Years
experience
Your Trusted Insurance Partner in New Jersey
Founded in 1994, Lubenow Agency has built a reputation as a trusted insurance advisory firm specializing in both group and individual insurance solutions. Our team brings decades of combined experience in health, dental, life, disability, and long-term care insurance, serving clients across New Jersey, Pennsylvania, Delaware, and beyond. We pride ourselves on a consultative approach, helping employers and employees navigate complex insurance options to find tailored solutions that meet their unique needs.With offices in Moorestown and Cranford, New Jersey, our licensed professionals stay actively engaged in industry advocacy and community service, ensuring our clients benefit from both regulatory expertise and personalized support. Our commitment to education and transparency empowers clients to make informed decisions, whether during annual enrollments or life-changing events.
Services
Group Health Insurance
Dental Coverage
Life Insurance
Disability Plans
Medicare Supplements
Long-Term Care
Individual Insurance
Carrier Partnerships
Health Benefits Survey
Insurance Education
Details
- Year established: 1994
Highlights and features
- We offer a consultative approach to insurance planning with 30+ years of industry experience
- Our team provides personalized service through licensed professionals in 20 states
- We maintain active involvement in healthcare policy advocacy at the state and national levels
- Our client-centric process includes detailed policy analysis and transparent comparisons
- We provide ongoing support beyond enrollment with dedicated customer service teams
What people say
Best service
Professional and thorough
Excellent support staff
Saves our company time
Service doesn't get better
Services
Group Benefits
We provide comprehensive group insurance solutions for employers, including health, dental, life, and disability coverage. Our consultative approach helps businesses compare options, understand benefit changes, and select cost-effective plans that meet employee needs. With expertise in regulatory compliance and carrier negotiations, we streamline the enrollment process while offering ongoing support for HR departments.
Individual Insurance
Our individual insurance services cover health, dental, life, disability, Medicare supplements, and long-term care policies. We educate clients about available options, ensuring clear understanding before policy selection. Our licensed agents help individuals navigate complex insurance products and maintain coverage that adapts to changing life circumstances through personalized consultations.
Medicare Supplements
We specialize in Medicare Advantage and Supplement plans, helping seniors understand coverage options and out-of-pocket costs. Our advisors compare plans from multiple carriers to find optimal solutions for prescription needs, specialist access, and long-term care considerations. We provide ongoing support to ensure policyholders maintain appropriate coverage as their healthcare requirements evolve.
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, serves as Legislative Vice-Chair for the state AHU chapter, and shares industry knowledge through continuing education classes.
Justin Lubenow
EVP-Business Development
Justin brings 20 years of experience across benefits administration and financial services. He manages key Fortune 100 accounts and drives agency growth strategy. Licensed since 2013, he opened the Cranford office in 2016 and focuses on expanding service capabilities.
Melissa Fox
Director of Operations
Melissa has 15+ years of insurance experience and manages day-to-day operations. Licensed in NJ and PA, she coordinates carrier relationships and maintains active involvement with the Association of Health Underwriters since 2003.
Michelle Barletta
Customer Service Manager
Michelle provides 15 years of customer service expertise, administering policies and resolving claims issues. She acts as a liaison between carriers and providers, ensuring smooth policy implementation 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, and long-term care insurance solutions for businesses and personal clients.
How does Lubenow Agency help businesses with insurance?
We offer consultative services to compare insurance options, explain benefit changes, and select cost-effective plans while providing ongoing HR support for policy administration.
Are your services available outside New Jersey?
We operate in NJ, PA, DE and maintain licenses in approximately 20 states to serve businesses and individuals across the United States.
How do you assist with Medicare plan selection?
Our senior insurance specialists compare Medicare Advantage and Supplement plans from multiple carriers to help clients find coverage matching their prescription, specialist, and long-term care needs.
What sets Lubenow Agency apart from other insurance providers?
We combine 30+ years of industry experience with personalized service, active policy advocacy, and dedicated customer support to deliver tailored insurance solutions.
