Business Details
38 Years
experience
Your Trusted Insurance Partner in Ravenna, OH
Kaczmarek Insurance Services has built a reputation on decades of experience, personalized service, and a commitment to client advocacy. Since our founding in 1988, we have prioritized understanding individual and business needs to deliver tailored insurance solutions. Our team actively engages in legislative advocacy through organizations like the National Association of Health Underwriters, ensuring we remain at the forefront of industry changes while maintaining a client-first approach.We specialize in simplifying complex insurance decisions, from health and Medicare coverage to life and long-term care policies, while providing ongoing support to streamline claims resolution. Our dedication to transparency, combined with our deep local and national industry expertise, positions us as a trusted partner for navigating todays evolving insurance landscape.
Services
Health Insurance
Medicare Solutions
Long-Term Care Insurance
Life Insurance
Disability Insurance
Dental Insurance
Vision Insurance
Employer-Sponsored Benefits
Ancillary Products
Medigap
Details
- Year established: 1988
Highlights and features
- We offer over 35 years of experience in individual and group health insurance solutions.
- Our team actively influences healthcare legislation to benefit Ohio employers and individuals.
- We provide personalized plan comparisons with a focus on in-network providers and affordability.
- Our client service includes annual policy reviews and secure online information management.
- We specialize in complex Medicare and long-term care planning with tax-advantaged solutions.
What people say
Expert guidance
Personalized service
Saved from penalty
Affordable plans
Coverage tailored to needs
Services
Health Insurance
We help individuals and families navigate health insurance options under changing state and federal regulations. Our experts analyze your medical needs, preferred providers, and budget to recommend plans that balance affordability with comprehensive coverage. With access to multiple carriers in Ohio, we ensure you understand network limitations, prescription coverage, and enrollment requirements while providing post-purchase support.
Medicare Solutions
Our Medicare-certified specialists explain Advantage, Medigap, and Part D drug plan differences while addressing annual coverage changes. Using secure online tools, we review your current medications and providers to recommend optimized plans. We emphasize long-term cost management through tax-advantaged solutions and coordinate annual reviews to maintain coverage alignment with evolving healthcare needs.
Long-Term Care Insurance
We design long-term care policies that protect assets while covering assisted living, home health, or nursing home expenses. Our specialists create tax-deductible plans with flexible payout options, including cash benefits or daily payment structures. We emphasize pre-existing condition accommodations and work with clients to preserve inheritance for beneficiaries through strategic policy design.
Employer-Sponsored Benefits
We guide businesses through healthcare and retirement benefit options, including fully insured and self-funded plans. Our team helps HR professionals evaluate HMO, PPO, and prescription drug coverage while implementing cost-sharing strategies that reduce employee turnover. We handle enrollment logistics and ongoing claims support to minimize administrative burdens for employers.
Life Insurance
We offer term, whole, and universal life insurance solutions for income replacement, debt protection, and estate planning. Our specialists calculate appropriate coverage amounts based on family needs and financial obligations, often securing policies up to 30 times annual income. We provide both individual and group options with flexible premium structures to accommodate various budget requirements.
People
Darlene Kaczmarek
President
Partner and President specializing in Medicare and Long-Term Care insurance. With decades of experience, she focuses on Medigap, Advantage plans, and tax-advantaged long-term care solutions for Ohio residents.
Deborah Boop
Vice President
Vice President with 30+ years of experience guiding clients through individual, employer-based, and Medicare insurance options. Certified in group benefits administration and specializes in complex policy comparisons.
Michael Young
Agent
Licensed agent specializing in dental, vision, and life insurance products. Assists with Medicare plan navigation and brings prior experience in individual health insurance sales and service.
August Koch
Group Services Specialist
Focuses on employer-based health plan administration and claims resolution. Born and raised in Ravenna, he provides localized support for group policyholders and their employees.
Donald Drouhard
Client Service Manager
Client Service Manager assisting with new policy enrollments and existing coverage needs. A Ravenna native with outdoor recreation interests, he provides personalized support for insurance applications and renewals.
Questions
What health insurance options exist for those under 65 without coverage?
We identify individual plans considering income eligibility for subsidies. Our specialists compare network coverage, prescription costs, and deductible structures to recommend affordable options.
How should I handle losing employer-based health insurance?
We analyze COBRA alternatives versus new individual or spouse's employer plans. Our team prioritizes maintaining provider continuity while minimizing premium costs during transition periods.
What life insurance coverage amount do I need?
We calculate coverage based on income replacement needs, existing debts, and future obligations. Our specialists often secure policies up to 30 times annual household income through multiple carriers.
How should I prepare for Medicare at age 65?
We conduct comprehensive reviews comparing Advantage, Medigap, and Part D plans using your current prescriptions and providers. Our process includes annual updates to maintain optimal coverage.
What long-term care insurance options exist with pre-existing conditions?
We access specialized underwriting programs that accommodate pre-existing illnesses. Our specialists create policies with waiting periods and benefit structures aligned with your family's medical history.
