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Lubenow Agency
856-866-2020 or 908-272-1812

2019 Key Plan Changes - 
Gold EPO HSA National Access 10%/10%

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The coverage is similar to last year with the following changes:
  • After the deductible, Tier 3 Drug Copays increased from $60 to $75
  • Emergency Medical Transport, Home Health Care, and Hospice were covered 50% after deductible, but now they will be covered 90% after deductible.


Disclaimer: We recommend reviewing the entire Summary of Benefits and Coverage for your plan.

Locations

214 West Main Street, Suite 101
​Moorestown, NJ 08057
15 Alden Street Suite #8
​Cranford, NJ 07016

What Our Clients Are Saying



"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."

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