Individual Health

Empowering Your Informed Health Insurance Decisions

Our agency stands ready to equip you with invaluable insights into the realm of health insurance, ensuring you can make well-informed choices about your coverage. We recognize that the labyrinth of insurance can appear daunting, but rest easy, as we are committed to accompanying you on every leg of this journey. Our warm and expert team is wholly devoted to assisting you in discovering the precise health insurance policy that harmonizes with your distinct requirements, and bestows the peace of mind you rightly deserve.

The Importance of Individual Health Insurance, and What You Need to Know

Individual health insurance, also commonly known as personal health insurance or private health insurance, is a type of coverage that is purchased by an individual to provide financial protection and access to healthcare services. It is distinct from group health insurance, which is typically offered through employers or organizations to cover their employees or members.

Here are some key points to explain individual health insurance:

  1. Personal Coverage: Individual health insurance is designed to cover a single person or, in some cases, a family. It is ideal for individuals who are not eligible for or do not have access to employer-sponsored health insurance plans.
  2. Customized Plans: Individuals have the flexibility to select a health insurance plan that suits their specific needs and preferences. This means you can choose the level of coverage, deductibles, copayments, and the network of healthcare providers that align with your healthcare requirements and budget.
  3. Premiums: Individuals are responsible for paying the insurance premiums themselves. Premiums are typically paid on a monthly basis and can vary based on factors like age, health, the extent of coverage, and geographic location.
  4. Coverage Benefits: Individual health insurance plans usually provide coverage for a range of medical services, which may include doctor’s visits, hospital stays, prescription medications, preventive care, and specialty treatments. The exact benefits will depend on the specific plan chosen.
  5. Provider Networks: Health insurance plans often come with a network of healthcare providers, such as doctors, hospitals, and clinics, with which they have negotiated agreements. Staying within the network can lead to lower out-of-pocket costs, while seeking care outside the network may result in higher expenses.
  6. Out-of-Pocket Costs: In addition to monthly premiums, policyholders may also be responsible for out-of-pocket costs like deductibles, copayments, and coinsurance. These costs can vary depending on the plan and the specific services rendered.
  7. Coverage Portability: One advantage of individual health insurance is that it is typically portable. This means you can maintain your coverage even if you change jobs, move to a different location, or experience other life changes.
  8. Healthcare Law Compliance: With the implementation of healthcare reforms in many countries, including the Affordable Care Act in the United States, there are often regulations in place requiring individuals to have health insurance coverage. Failing to have coverage can result in penalties in some cases.
  9. Open Enrollment Periods: In many healthcare systems, there are specific periods during which individuals can enroll in or make changes to their health insurance plans. Outside of these open enrollment periods, you may need a qualifying life event (such as marriage, birth of a child, or loss of previous coverage) to make changes to your policy.

Individual health insurance is an essential financial tool for protecting against unexpected medical expenses and ensuring that individuals and their families have access to necessary healthcare services. It provides the flexibility to choose the plan that best fits your needs while offering peace of mind for your health and well-being.

A Vast Network of Healthcare Providers

To ensure that you receive healthcare of the highest quality, our health insurance policies grant you access to an extensive network of healthcare providers. We’ve forged partnerships with respected hospitals, clinics, physicians, and specialists in your locality, affording you the privilege of selecting from a roster of trusted healthcare professionals. With our vast network, you can rest assured that you have convenient access to the medical services you require, all within close proximity.

Affordability and Financial Security

We grasp the significance of affordability in the realm of health insurance. Our agency is steadfast in its commitment to assisting you in identifying a policy that not only caters to your healthcare needs but also aligns with your budget. We offer a diverse range of plans, encompassing various coverage tiers and premium choices, to ensure that there is an option suitable for every budget. By possessing health insurance, you gain the ability to shield both yourself and your loved ones from the financial burdens associated with unexpected medical expenses.

Contact Us Without Delay

Procrastination is not in your best interest when it comes to securing health insurance coverage. Our knowledgeable agents are readily available to provide guidance and address any inquiries you may have. Do not delay; reach out to us today to arrange a consultation, allowing us to assist you in finding the perfect health insurance policy that not only safeguards your well-being but also provides peace of mind for the future.

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What our clients say about us.

I started with Barb because I had been fussing with my old personal lines carrier about their billing cycle.  I sure wasn’t expecting the thoroughness of her presentation, and her genuine concern that we had adequate coverage for our situation.  The cost was about the same, but the care so much better that we switched.  With no pressure from the agency, we submitted our business insurance for review and they recommended some things that made very good sense, again at a reasonable price, so we switched that over.  The office responds to our customer’s request to provide COI’s immediately and accurately.  So, having done so well with all things insurance, when I lost my private health coverage, among many options, I checked with the agency about putting together a company plan, which we now offer to our employees.  I can’t say enough about the genuine interest that this agency has in making sure we are balancing the cost of insurance vs our genuine need for protection.  They’re pleasant, easy to work with, personable, and have our best interest at heart.

Dave Strahl

I’ve been working with Barb and her team for the past several months.  I’ve been truly impressed with their level of service and professional expertise.  They absolutely know this industry and how to help families and businesses in the community.

Randy Rohde

Barb and her staff are professional and help their clients find the best rates available. They are the best agency I have ever been with and offer a wide variety of services to help all their clients!

Michelle Serfozo

Very Professional and Dedicated Staff. Absolutely Courteous, Dedicated,  Prompt and we always felt at home while dealing with them for almost over a decade and never thought of switching in spite of several price down offers. Good Luck, Keep up the good work.

Ramesh Vaid

A great place to handle your insurance needs!  They have consistently been helpful when I call them and quick to answer questions or concerns.  Very nice people to deal with in the over 10 years that they have been my primary insurance agency!

Roger Loveland

I have been with the Luczkowski agency for many years and will continue to do so for many more years to come. They strive to provide excellent customer service. I feel like a valued customer and   I appreciate knowing if I ever need help my agent will be there for me.

Louise F.

EXCELLENT CUSTOMER SERVICE! You are treated like family! Barb and her staff go above and beyond for their customers! They are active with not only with their customers but also with the community ( an A++ in my book!) They are knowledgeable, kind and very prompt getting you information, getting you the best rates on any coverage or answering questions. I HIGHLY RECOMMEND this office and Nationwide!!

Kristine Shreves

Barb and the agents at the Luczkowski Agency are GREAT!!  Whenever I have a question, I do not hesitate to call or send an email because I know they will get back to me with an answer.  They are kind, efficient, and extremely helpful.  Recently, I switched with another carrier associated with the Luczkowski Agency because Barb wanted to help bring my high insurance rates down. She knew that being a single parent with a college student was costly for me.  I cannot say enough good things about this agency.

Melissa Eisel

We have been with Nationwide for almost 20 years now and wouldn’t think of switching to anyone else. We have been with Luczkowski Agency for a lot of that time and they take excellent care of us. We get great rates and they update them twice a year and give us savings anytime they are available. When other homes on our street got flooded, we were the only ones who actually got help from our Insurance Company! The only ones. I couldn’t believe the other companies didn’t do anything for their clients. They have gone out of their way to make life bearable when it has been hard and trials have come. We have used the car towing service repeatedly and they have always been there. We love Nationwide and think they are exceptional.

David Marks

Great agency! Always very helpful finding the coverage I needed. Was very quick to respond to any questions or concerns I had.

Louise Reames

They shop around and always get you the coverage you need at an affordable price. Staff is friendly and very knowledgeable.

Dale D,

The Luczkowski Agency always exceeds my expectations and the team provides outstanding customer service! I can call them with any questions and get an immediate answer from someone I know at the agency. I love the service and I highly recommend the Luczkowski Agency for all of your insurance needs.

Frank S.

I’ve had an excellent experience working with the Luczkowski Agency. Their communication is fantastic, they are pleasant to speak to, and are extremely helpful. I have multiple insurance policies with them and will be continuing to work with them. I highly recommend it.

Daniel C.

Barb and her team are the best. Service and attention to detail assure me that  I have the right coverage, no more or less than I need, and at the right price. I have homeowners, auto, and even my motorcycle insurance with the Luczkowski Agency.

I had an auto claim, repairs done at the shop I chose, and no hassles at all getting the work paid. The follow up was great,  Barb called to be sure the work was done and I was happy.

I give Luczkowski Agency my highest rating!

Norm I.

Insurance is a vital need in this busy and changing world, and you need care and support from knowledgeable and caring professionals…, and that would be The Luczkowski Agency Insurance & Financial Services.

For years this team has helped me find exceptional and affordable care for the entire family.

When we needed the Luczkowski team most, they were there for us.

I’m so grateful for the peace of mind and kind, caring support.

The Luczkowski Agency is the best insurance and financial service company in the business.

Elaine S.

Barb and her team are knowledgeable, professional, and dedicated to helping their clients–even if they may not be the best price. I would definitely recommend them!


Julia B.