Lubenow Agency

tag:blogger.com,1999:blog-58355609575628064382010-03-07T10:27:58.735-05:00Lubenow AgencyDoug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.comBlogger18125tag:blogger.com,1999:blog-5835560957562806438.post-4354329474281124492010-03-07T10:23:00.003-05:002010-03-07T10:27:58.890-05:00LUBENOW GOES TO WASHINGTON

I will be traveling to Washington this week to discuss our health care issues with our NJ Congressman and Senators. I have meetings scheduled for Tuesday and Wednesday to meet with Congressman Adler, Andrews and LoBiondo. I will also meet with Senators Menendez and Lautenberg to discuss how we may be able to get some form of legislation passed that will benefit everyone. I will publish updates

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-56098345368825932162010-02-10T19:09:00.004-05:002010-02-10T19:19:36.926-05:00LUBENOW GOES TO WASHINGTON

I will be going to Washington for my seventeenth year to find out what the latest is on Healthcare Reform. I plan on having meetings with Congressman Adler, Andrews and Lobiondo. I will try to also see our two Senators if my schedule permits. I will be supporting many of the key issues that will help improve our healthcare and make health insurance more available to everyone. The question that I

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-49261925357939016662010-02-10T19:06:00.002-05:002010-02-10T19:08:07.802-05:00DO WE REALLY NEED HEALTHCARE REFORM???

Yes! Yes! Yes! Everyone agrees that we need some type of healthcare reform. President Obama wants healthcare changes that will protect the American public such as: No Limits on coverage, no pre-existing conditions, no medical underwriting, guaranteed issue, no premium rate up do to health conditions and insurance companies cannot cancel coverage if you get sick. I think that all of these

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-45312855058127804612009-12-13T21:45:00.003-05:002009-12-13T22:20:07.190-05:00Washington is Coming Up With Some Crazy Recommendations!!!

The last two new proposals out of Washington, let people at 55 years old buy into Medicare and allow insurance companies to put annual limits on health insurance. The problems with these two recommendations:MEDICARE AT 55: This sounds great to allow people that need insurance coverage to get Medicare before the age of 65, however, they would have to buy both Part A and Part B of Medicare. At

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-39929218543580300762009-12-13T20:44:00.003-05:002009-12-13T20:55:25.481-05:00Do We Really Need Reform???

YES!!!!! YES!!!! YES!!!! Everyone agrees that we definitely need some form of reform. Many of the key proposals are already in affect in NJ. Guarantee issue with no medical underwriting, no pre-existing conditions, no limits on health insurance and no dropping someone if they get sick. The one main sticking point is the Public Option. The insurance companies cannot compete against the

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-9245085094401101062009-10-11T10:52:00.003-04:002009-10-11T11:35:00.734-04:00Do We Really Need Reform!!!!!!

YES! YES! YES! Everyone in the insurance industry agrees that we definitely need some form of reform to control the ever increasing cost of healthcare. What is needed in this big debate. Below are some of the major issues that must be resolved.1. We need to guarantee coverage to everyone that applies for insurance. No medical underwriting.2. No pre-existing conditions, provided you

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-4488637359944822582009-09-16T15:14:00.003-04:002009-09-16T15:24:48.151-04:00"AFFORDABLE HEALTH INSURANCE"

What is "Affordable Health Insurance"? The President is constantly stating that he wants to have affordable health insurance. I looked up the rates in the state of MA where they have mandated health insurance for all individuals. The rates there have grown substantially since this was introduced two years ago. An individual has plans available from $250/month to $600/month. The lowest cost

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-71753402532595038592009-09-06T09:07:00.003-04:002009-09-06T09:19:49.580-04:00New Medicare Advantage Plans from Aetna for 2010 announced!!!

Just as we expected the 2010 Medicare advantage programs have been cut back do to the Federal Government stopping their 15% support of these programs. Aetna announced their new plans for southern New Jersey this week and we see higher premiums, higher co-pays for doctors and more out of pocket if you were to get sick and need a lot of care. They will not be offering a PPO option for southern NJ

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-70988449371789073422009-08-30T11:18:00.003-04:002009-08-30T11:34:07.346-04:00Lubenow invited to meet with Congressman Adler

I had the privilege of being asked to attend a roundtable discussion on Health Care Reform with Congressman Adler this past week. There was 12 individuals that attended this event, three hospitals, doctors, nurses, cancer association, a couple of small businesses and AARP. Everyone had excellent points regarding healthcare reform. The Congressman stated that he is not supporting the current

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-78872160444818507622009-08-09T10:55:00.002-04:002009-08-09T11:21:01.759-04:00What is the REAL number of UNINSURED!!!!!

We have been hearing for years that the number of uninsured is 47 million people. This is the number that the politicians keep putting in front of us to develop the concern for health care reform. We analyzed this number 5 years ago and I am finally hearing the major networks telling the actual number of uninsured.There are currently 14 million people in the country that qualify for some form

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-62601730067121917772009-07-24T16:42:00.006-04:002009-07-27T08:00:11.452-04:00PLEASE MR PRESIDENT, ANSWER THE QUESTIONS!!!!!

During the President's press conference on Wednesday evening he was asked by Jake Tapper from ABC news about the level of care in the governments healthcare proposal. The President did not answer this question, so a couple of questions later a reporter from the Cleveland Plain Dealer ask to go back to Jake's question regarding the level of care and end of life care that is part of the public plan

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-78495109029455770552009-07-08T16:48:00.003-04:002009-07-08T17:44:09.963-04:00AARP WAKE UP!!!!!!

Below is a great article from Dr Petruncio in Turnersville explaining what will happen if the federal government takes control of healthcare. Rationing will have to happen as the best way to control costs. The main population that will be affected by rationing will be seniors. This was told to me on my last trip to Washington. I don't know why AARP keeps telling their members to support

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-79697948931559198462009-06-28T17:10:00.004-04:002009-06-28T17:50:06.126-04:00President Obama Promises Adequate Care

President Obama talked about his vision for the future of healthcare in the U.S. on a television special with Charlie Gibson. When asked about the level of care and whether or not the federal government would be rationing care his comment was that the government would provide "adequate" care. Doesn't that make you feel secure, knowing when the time comes that you need some important medical

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-20286703901567972142009-06-21T13:02:00.003-04:002009-06-21T13:11:33.002-04:00Is AARP the best option when considering a Medicare Supplement?

This can be a complex answer. If you are just turning 65 then maybe you should consider one of the other companies that offer a Medigap policy. AARP is just an association that endorses United Health Care as their insurance company for Medi Gap policies. The AARP plan is community rated which means that everyone pays the same rate. Another insurance company will rate you on your age at the

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-8098211728803764782009-06-14T11:34:00.004-04:002009-06-14T11:56:59.020-04:00I JUST GOT A 40% INCREASE IN MY PREMIUMS - WHY?

That's right even our agency just received a 40% increase in our premiums while the averages have been around 18%. If you understand how the annual increases are determined it is easier to comprehend this increase. Maybe not easy to accept.Rates are based on the ages and census of your group. The rates are on a 2 to 1 ratio which means that a 60 year old will pay twice as much as a 20 year old.

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-36826726233229604182009-06-11T10:42:00.000-04:002009-06-11T10:43:59.292-04:00Is Obama creating a class system for health insurance???

The discussion in Washington is whether or not to create a "public option" for healthcare. This would compete with the private insurance companies and supposedly keep them honest and make them more competitive with their rates. If the "public" program reimburses at a lower level than the private plans how can the private plans survive. Eventually the private plans will be forced out of business

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-64798041669814733172009-06-11T10:29:00.001-04:002009-06-11T10:32:03.607-04:00Doctors’ Group Opposes Public Insurance Plan

Doctors’ Group Opposes Public Insurance PlanBy ROBERT PEARWASHINGTON — As the health care debate heats up, the American Medical Association is letting Congress know that it will oppose creation of a government-sponsored insurance plan, which President Obama and many other Democrats see as an essential element of legislation to remake the health care system.The opposition, which comes as Mr. Obama

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0tag:blogger.com,1999:blog-5835560957562806438.post-91514607795334012552009-05-02T16:01:00.004-04:002009-05-06T08:00:16.461-04:00Health Care Reform in Washington

There is a lot of discussion going on in Washington to change the way our health care system currently operates. Some of these changes will be good and some will totally change the way we receive our health care in the future. Some of the items being discussed include:* Mandating health insurance for all Americans* Guarantee health insurance to all applying with no pre-existing conditions*

Doug Lubenowhttp://www.blogger.com/profile/18358912941999833282noreply@blogger.com0