More About Health Insurance

Health Insurance in Chesterland, OH, and serving Northeast Ohio


In today’s world, having health insurance is not just a wise decision—it’s a necessity for maintaining both your health and financial security. Luczkowski Agency Insurance and Financial Services, serving Chesterland, OH, and the surrounding areas, understands the critical importance of health insurance in safeguarding you and your family’s well-being.


Protection Against High Medical Costs

The primary benefit of health insurance is its role in covering costly medical bills. Whether it’s a routine check-up, a prescription drug, or an unexpected hospital stay, health insurance can save you from the financial strain of high medical expenses. With rising healthcare costs, having insurance ensures that you are protected from the brunt of these expenses, allowing you to focus on your recovery rather than your finances.

Access to a Broad Network of Healthcare Providers

Health insurance plans typically come with a network of doctors, specialists, and hospitals. Being insured means you have access to this extensive network, ensuring you receive the right care at the right time. Without insurance, accessing these healthcare services could be financially overwhelming or even out of reach.

Preventive Services and Early Detection

Many health insurance plans cover preventive services like vaccinations, screenings, and annual check-ups at no extra cost. These services are crucial for early detection of diseases, which can lead to more effective and less expensive treatments. Regular preventive care is key to maintaining good health and catching potential health issues before they become severe.

Financial Security in Times of Illness or Injury

In the event of unexpected illness or injury, health insurance is a lifesaver. It provides financial security, ensuring that medical emergencies do not translate into financial crises. This security is not only beneficial for your peace of mind but also essential for your family’s stability and future.

Mental Health and Wellness Support

Recognizing the importance of mental health, many insurance plans now include coverage for mental health services. This coverage can include therapy sessions, psychiatric consultations, and medication management, supporting your overall well-being and mental health.

Meeting Legal Requirements and Avoiding Penalties

In some regions, having health insurance is a legal requirement, and not having it could lead to penalties. By enrolling in a health insurance plan, you not only secure your health but also comply with legal requirements, avoiding any potential fines.

Tailored Plans for Individual Needs

Health insurance plans come in various forms to meet individual needs. Whether it’s individual, family, or group coverage, Luczkowski Agency Insurance and Financial Services offers a range of options to suit different lifestyles and budgets. Our team helps you choose a plan that gives you the best coverage according to your specific needs.

Conclusion: An Investment in Health and Peace of Mind

Health insurance is much more than a policy; it’s an investment in your health and peace of mind. It’s a crucial tool for managing health-related expenses, ensuring access to quality care, and maintaining your and your family’s overall well-being. Luczkowski Agency Insurance and Financial Services is dedicated to helping you find the right coverage, providing support and guidance every step of the way.

For more information on how you can protect yourself and your loved ones with the right health insurance plan, contact us via phone or email, or come to us in person! Let us help you navigate your options and secure a future where your health and finances are safeguarded.

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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.