By Sunny Aaron
Summary:
Senior Advisors has helped people navigate Medicare since 2009, providing personalized guidance at no cost to clients because insurance carriers compensate the company. With advisors licensed in more than 40 states, the family business focuses on education, coverage comparisons, potential savings and ongoing support beyond enrollment.
Quick Answer
Senior Advisors has been helping people make sense of Medicare since Doug Lubenow founded the company in 2009. Today, the family business operates two offices in New Jersey and one in Arizona, with advisors licensed to help clients throughout the country. Its services are 100% free to clients because insurance carriers pay Senior Advisors, not the people seeking guidance. The process begins with an individual assessment because turning 65 does not automatically mean someone should enroll in Medicare. From there, Senior Advisors focuses on education, coverage choices and potential savings, while continuing to keep clients informed about Medicare changes year after year. The company has also earned a 5.0 rating across more than 1,550 Google reviews.
Medicare decisions can feel surprisingly complicated. There are enrollment periods, different parts of Medicare, prescription drug coverage, Medicare Supplement options and Medicare Advantage plans to consider. Then there is the question many people overlook: What happens after you choose coverage?
Senior Advisors approaches Medicare as an ongoing relationship rather than a one-time transaction. Clients receive help when they first explore their options, but the relationship can continue as coverage, costs, medications and Medicare itself change. That long-term approach is a major part of what separates Senior Advisors from services focused primarily on enrollment.
Highly recommend Senior Advisors for all your Medicare needs… very thorough in explaining all things Medicare and helped lead us in choosing the right options for our needs. She is always available to answer any questions that arise. - K.F.
Education Comes Before Enrollment
Senior Advisors starts with an individual assessment rather than assuming every person approaching 65 needs the same solution. That distinction matters because turning 65 does not necessarily mean someone should immediately enroll in Medicare. Employment, employer-sponsored health insurance, retirement plans and other circumstances can affect the right timing.
The company then helps clients understand Medicare before asking them to make coverage decisions. Instead of simply presenting a collection of plans, advisors explain how Medicare works, discuss available coverage options and help clients evaluate choices based on their individual circumstances.
Senior Advisors also offers educational workshops for people approaching Medicare eligibility as well as those already enrolled. The goal is to make Medicare understandable enough that clients can participate confidently in their own decisions.
Personal Help Without Added Cost
Working with Medicare consultants can give people an experienced resource for sorting through options that may otherwise take hours to research independently. Senior Advisors provides that guidance at no cost to the client. Insurance carriers compensate the company when clients enroll, allowing Senior Advisors to provide its services without charging consultation or enrollment fees.
That arrangement is especially useful because Senior Advisors works with multiple insurance carriers. Rather than limiting the conversation to a single company, advisors can help clients compare available coverage and pricing based on their needs.
The company has also remained a family business. Founder Doug Lubenow established Senior Advisors in 2009 after years of experience in the health insurance industry, and members of the Lubenow family have since joined the organization. Senior Advisors now has two New Jersey offices, in Moorestown and Cranford, along with an office in Scottsdale, Arizona. Its advisors are licensed in more than 40 states, allowing the company to serve people across much of the country.
“I’ve worked with Senior Advisors for decades, and the service has consistently been outstanding. Most recently, Adam Lubenow helped me save nearly $100 a month on my Medicare supplement—with no change at all in my coverage.
He was knowledgeable, responsive, and clearly focused on finding the best option for me. It’s rare to find that level of expertise combined with such genuine care.” - Nancy S.
Coverage Needs Can Change
Medicare coverage that works well today may not remain the best fit indefinitely. Prescription medications change. Insurance premiums can increase. Plan formularies and provider networks can change. Medicare rules and available options can change as well.
That is why annual coverage reviews can matter even for the most active seniors who feel healthy and rarely use medical services. Paying attention to Medicare should not begin only when a health issue appears. Reviewing coverage proactively can help identify unnecessary costs or changes that could affect future access to care.
Senior Advisors helps existing clients examine their health and prescription drug coverage each year. The company also looks for potential Medicare savings opportunities. For eligible Medicare Supplement clients, for example, there may be opportunities to obtain the same standardized coverage from another highly rated carrier at a lower premium, subject to underwriting requirements.
This approach shifts the relationship from "choose a plan and move on" to regular Medicare maintenance. Clients have someone familiar with the Medicare landscape who can help them understand what has changed and whether those changes deserve their attention.
Support Continues Year After Year
Enrollment is only one moment in what may be decades of Medicare coverage. Senior Advisors stays involved after that initial decision, helping clients navigate changes, review their coverage and understand new Medicare information.
That ongoing communication can be particularly valuable during periods when Medicare receives significant updates. Instead of expecting clients to decipher every notice, regulation or plan document themselves, Senior Advisors proactively shares information that may affect them.
“Allison Lubenow answered all my questions and concerns about what supplemental or advantage programs were best for me, the costs, specific benefits, future rate hikes, everything. She continues to provide information and updates as the news changes --in what seems like-- daily. I recommend Allison at Senior Advisors to anyone who needs a trusted professional to guide you through the maze that is Medicare.” - Beverly N.
The company's five-step process begins with an individual assessment and moves through a Medicare overview, coverage options, a free quote and enrollment. The difference is that the fifth step is not treated as the end of the relationship.
That philosophy appears to resonate with clients. Senior Advisors has earned a 5.0 rating from more than 1,550 Google reviews, an unusually strong volume of feedback for a Medicare advisory business. For people deciding whom to trust with an important financial and health coverage decision, a long record of client experiences provides another useful piece of information to consider.
A Relationship Built for Medicare
Senior Advisors has grown since 2009, but its core approach remains centered on education and personal guidance. Clients can get help understanding Medicare, choosing coverage and looking for ways to avoid overpaying without paying Senior Advisors for its services.
Perhaps more important, enrollment does not close the door. Medicare keeps changing, and people's lives change with it. Senior Advisors gives clients a resource they can return to year after year, making Medicare less about navigating the system alone and more about making informed decisions with experienced help available when they need it.
Key Points:
- Personalized guidance: Senior Advisors begins with an individual assessment rather than assuming everyone turning 65 should immediately enroll in Medicare.
- Free to clients: Insurance carriers compensate Senior Advisors, allowing the company to provide Medicare consultations, comparisons and enrollment assistance without charging clients.
- Multiple coverage options: Advisors help clients understand Medicare, Medicare Supplement and Medicare Advantage options and compare coverage from multiple insurance carriers.
- Ongoing support matters: Senior Advisors continues working with clients after enrollment, including annual coverage reviews and updates as premiums, medications, plans and Medicare rules change.
- Established and highly rated: Founded by Doug Lubenow in 2009, the family business now serves clients across much of the country and has a 5.0 rating across more than 1,550 Google reviews.
