Kozpro Insurance Group
Helping Find the Right Health Insurance For You
We simplify the process so you can confidently choose health insurance that works for you and your family.
Your Trusted Advisor Luke Kozlowski
Luke Kozlowski is passionate about helping people
feel confident with their insurance decisions, taking
a thoughtful, straightforward approach rooted in
listening and clear, pressure-free guidance. Outside
of work, he enjoys staying active, spending time at
the gym, and making time for friends and loved
ones—bringing that same energy, focus, and care into
the way he helps others every day.
Insurance Services We Offer
We offer a range of insurance solutions designed to protect you, your family, and your business through every stage of life.
HMO Plans
Health Maintenance Organization (HMO) plans offer predictable costs and coordinated care through a primary physician and network of providers.
EPO Plans
Exclusive Provider Organization (EPO) plans combine lower premiums with flexibility, allowing direct access to specialists within the network.
PPO Plans
Preferred Provider Organization (PPO) plans provide the most flexibility, including out-of-network coverage and fewer referral requirements.
POS Plans
Point of Service (POS) plans blend HMO structure with PPO flexibility, offering coordinated care with optional out-of-network options.
Built on Trust, Backed by Results
- 4.9-star average rating from clients helped
- 500+ satisfied clients guided through insurance decisions
- $200+ average monthly savings by reviewing and optimizing coverage
Why Clients Choose Us
People-First Care
Your needs and priorities guide every recommendation.
Honest, Clear Advice
Straightforward guidance so decisions feel confident.
Ongoing Support
Support that continues well beyond enrollment.
Personal Advisor
One dedicated advisor focused on your coverage.
Easy Enrollment
Simple steps to enroll without confusion.
Nationwide Coverage
Coverage options available across the country.
People-First Care
Your needs and priorities guide every recommendation.
Honest, Clear Advice
Straightforward guidance so decisions feel confident.
Ongoing Support
Support that continues well beyond enrollment.
Personal Advisor
One dedicated advisor focused on your coverage.
Easy Enrollment
Simple steps to enroll without confusion.
Nationwide Coverage
Coverage options available across the country.
Insurance Questions, Answered
Use this section to understand how plan comparisons work, what information matters most before enrolling, and how an independent insurance agent can help simplify the decision.
Why work with an independent insurance agent instead of picking a plan alone?
An independent agent can help you sort through multiple carriers, explain the fine print, and point out plan differences that are easy to miss when comparing options on your own.
What should I compare besides the monthly premium?
Premium is only one part of the cost. It is also important to review deductibles, copays, prescription coverage, out-of-pocket maximums, and whether your doctors and hospitals are in network.
How do I make sure my doctors are included in a plan?
The best approach is to check the provider network before enrolling. An agent can help verify whether your preferred doctors, specialists, and hospitals participate in the plans you are considering.
What information should I gather before asking for plan recommendations?
It helps to have your current medications, doctor list, expected medical needs, ZIP code, and a comfortable monthly budget range. That makes it easier to narrow your options efficiently.
Can I still get help if I am outside of open enrollment?
Yes. You may still have options if you are losing coverage, moving, getting married, turning 65, or experiencing another qualifying life event. An agent can help you understand whether you are eligible to enroll now.
Let’s Find Coverage That Fits
We’re here to answer your questions, explain your options, and help you get a quote that makes sense for you.