Quick Answer
Senior Advisors helps people understand their Medicare coverage, evaluate costs and identify opportunities to avoid overpaying year after year. Founded by Doug Lubenow in 2009, Senior Advisors has grown into a family business with two offices in New Jersey and one in Arizona, and advisors licensed to help people throughout the country. Services are 100% free to clients because insurance carriers compensate Senior Advisors. The process starts with an individual assessment because turning 65 does not automatically mean enrolling in Medicare is the right move. The company continues working with clients after enrollment, reviewing coverage and communicating Medicare changes that may affect them.
Paying too much for Medicare coverage is not always obvious. A premium may gradually increase, prescription costs can change, or another insurance carrier may offer equivalent standardized Medicare Supplement benefits at a lower price. People can easily keep paying the same bills simply because their existing coverage worked well when they originally selected it.
Senior Advisors takes a longer view. Rather than treating Medicare enrollment as a one-time event, the company helps clients understand their initial options and continues looking for opportunities to keep their coverage appropriate and cost-conscious in the years ahead.
“I have been with this agency for about 25 years and I couldn’t be happier. Doug & his son Adam, checks every year to make sure my husband and I are covered the most but for the least amount. This year we are saving over $1900 because of their care. And the ladies in the office are great! Very kind and responsive.” – Brenda F.
Medicare Costs Deserve Attention
Health care expenses can become one of many issues during retirement that require regular attention. Medicare provides important coverage, but having Medicare does not mean every beneficiary pays the same amount or that the coverage selected several years ago remains the best financial fit today.
Senior Advisors begins with an individual assessment. Before recommending a path, an advisor looks at the client’s circumstances and helps determine what Medicare decisions actually need to be made. This is particularly important for people approaching 65 because Medicare eligibility does not necessarily mean someone should enroll immediately. Current employment and employer-sponsored health coverage can affect the appropriate timing.
Once Senior Advisors understands the client’s circumstances, the company provides Medicare education and explains relevant coverage options. This gives people a foundation for evaluating costs rather than simply choosing a plan based on a premium or advertisement.
“Senior Advisors was very professional and knowledgeable in navigating the Medicare system and providing the information needed to ensure relevant Medicare coverage and programs. The road map Senior Advisors laid out was concise and easy to follow. All communication was prompt and professional. I recommend Senior Advisors to anyone seeking Medicare coverage.” – Jody C.
The process can also help prevent expensive Medicare mistakes before they happen. Knowing when to enroll, what coverage is needed and how different options work together can be just as important as comparing prices.
Outside Guidance Can Help
Using a Medicare advisor service can give beneficiaries access to people who work with Medicare choices every day. Senior Advisors provides this assistance without charging clients a fee. Insurance carriers compensate the company when clients enroll, so people can receive guidance without adding another expense to their Medicare budget.
Senior Advisors also works with multiple insurance carriers. That allows advisors to compare available options and pricing based on an individual’s circumstances instead of limiting the conversation to products from a single carrier.
The company follows a five-step process that begins with an individual assessment, followed by a Medicare overview, coverage options, a free quote and enrollment. Education remains central throughout the process. Senior Advisors wants clients to understand what they are selecting and why it may make sense for them.
That philosophy has been part of the company since Doug Lubenow founded Senior Advisors in 2009. Members of the Lubenow family have since joined the business, which now serves clients from two New Jersey offices and a Scottsdale, Arizona location while maintaining licenses in more than 40 states.
The Same Benefits May Cost Less
One area where Senior Advisors specifically looks for potential savings involves Medicare Supplement insurance, also known as Medigap. Medicare Supplement plans are standardized by plan letter. That means the basic benefits of a particular lettered plan are the same regardless of which insurance company sells it, although premiums can vary.
Someone could therefore discover that another highly rated carrier offers the same standardized Medicare Supplement plan at a lower premium. For eligible clients who can pass medical underwriting, Senior Advisors can investigate whether switching carriers could reduce the amount they pay for those benefits.
“The information, guidance and support that I received from Adam regarding the Medicare enrollment process was outstanding! His product knowledge helped me to make the best choices for my Medigap, Drug, Dental and Vision plans.” – Sandra G.
That distinction is important. Saving money does not always require reducing coverage. Sometimes the opportunity comes from examining what different carriers charge for standardized benefits.
Not everyone will qualify to change policies, and the least expensive option is not automatically the right choice. Senior Advisors helps clients evaluate the available information rather than assuming their current premium is the best price simply because they have paid it for years.
Annual Reviews Can Reveal Changes
Prescription drug and health coverage deserve regular attention as well. Plans can change their premiums, formularies, networks and other details. Meanwhile, a client’s medications and health care needs may also change.
Senior Advisors helps clients review their coverage each year instead of leaving them to determine whether anything important has changed. That ongoing relationship can identify situations where existing coverage deserves another look.
The company also proactively communicates Medicare updates to clients. Medicare rules and insurance options are not static, and staying informed can help people recognize when a change affects their coverage or creates a new decision.
This year-round approach is particularly relevant for people who have been enrolled in Medicare for years. The fact that a plan worked well at enrollment does not guarantee that its costs or benefits will remain equally competitive indefinitely.
“I have been with Senior Advisors since I became Medicare eligible over 10 years ago. Every interaction I have had with them has been seamless. They have been responsive and helpful to my inquiries and any concerns I have had. They are proactive in their customer service and on top of their game when it comes to updates that affect my coverage and ways I can reduce premium costs while still maintaining my coverage. They recently reached out with a policy change suggestion for my supplemental plan that saved me about $1,500 a year in premiums with no change in coverage.” – Jerry F.
Senior Advisors Keeps Looking
Avoiding unnecessary Medicare costs starts with understanding what you have, what you need and what alternatives may be available. Senior Advisors helps clients answer those questions at enrollment and continues the conversation in subsequent years.
The company’s services remain free to clients, and its advisors can help people throughout much of the country. Senior Advisors has also earned a 5.0 rating across more than 1,550 Google reviews.
Medicare coverage should not disappear into a filing cabinet after enrollment. A regular review can uncover changes, potential savings and questions worth asking. Senior Advisors gives clients a knowledgeable resource to help them keep asking those questions year after year.