Business Details
28 Years
experience
Trusted Insurance Solutions in Oswego, IL
Since 1998, Holten Financial Group has dedicated itself to providing businesses, individuals, and families with personalized insurance solutions and exceptional client care. Our team specializes in comparing multiple insurance carriers to analyze benefits and costs, ensuring clients receive tailored options without the burden of extensive research. We prioritize transparency, offering additional services at no extra cost while maintaining HIPAA compliance through secure email and forms certified under HITRUST CSF. With a focus on Medicare plans, employer-sponsored coverage, and individual/family insurance, we serve clients in Oswego, IL, and surrounding areas.Our commitment to quality extends to educational resources, including webinars and downloadable guides, empowering clients to make informed decisions about Medicare Advantage, Supplement plans, and prescription drug coverage. Backed by partnerships with seven organizations offering 62 products, we emphasize accessibility, affordability, and long-term client relationships. Our approach combines industry expertise with a dedication to simplifying complex insurance processes, ensuring clients feel confident in their coverage choices.
Services
Medicare Supplement Plans
Medicare Advantage Plans
Employer-Sponsored Coverage
Individual/Family Insurance
Long-Term Care Insurance
Details
- Year established: 1998
Highlights and features
- We offer personalized insurance comparisons across multiple carriers.
- Our team provides HIPAA-compliant tools and secure client communication.
- We deliver free educational resources on Medicare and health insurance.
- We specialize in simplifying complex insurance processes since 1998.
- Our services include no hidden fees or additional costs.
Associations and certifications
- HITRUST CSF Certified
Services
Medicare Supplement Plans
Medicare Supplement Plans help cover out-of-pocket costs not paid by Original Medicare. These standardized plans offer consistent benefits across insurers, ensuring predictable coverage for hospital stays, skilled nursing care, and medical expenses. Ideal for individuals seeking financial protection against unexpected healthcare costs while maintaining flexibility in provider choice.
Medicare Advantage Plans
Medicare Advantage Plans combine Part A and B benefits with additional coverage like prescription drugs, dental, and vision. Most plans include Part D and offer extra benefits at no additional premium. These plans provide a comprehensive alternative to Original Medicare with coordinated care through network providers.
Employer-Sponsored Coverage
Group health coverage provides businesses with 1-50 employees access to affordable medical, dental, and vision insurance. We help employers compare plans to find cost-effective solutions that enhance employee recruitment and retention while ensuring compliance with federal regulations and tax benefits.
Individual/Family Insurance
Individual and family insurance plans offer customizable health, dental, and vision coverage for those outside employer-sponsored programs. We partner with carriers like BCBSIL and GeoBlue to provide marketplace enrollment assistance, international travel insurance, and affordable options for special election periods.
Long-Term Care Insurance
Long-term care insurance covers home healthcare, assisted living, and facility care. We offer traditional standalone policies, hybrid plans linked to life insurance, and riders that allow policyholders to use death benefits for care expenses, ensuring financial security for future care needs.
Questions
What types of Medicare plans do you offer?
We offer Medicare Supplement (Medigap), Medicare Advantage (Part C), and Prescription Drug (Part D) plans from seven major insurers.
Can I get insurance if I'm self-employed?
Yes, we provide individual/family coverage and group plans for self-employed individuals through partnerships with BCBSIL and other carriers.
Do you offer life insurance products?
Yes, we provide term, permanent, and hybrid life insurance policies with long-term care riders to meet diverse financial needs.
Are your services available outside Oswego, IL?
We serve clients throughout Illinois and offer travel insurance for international coverage needs.
How do you help with Medicare enrollment?
We provide educational webinars, downloadable guides, and personalized plan comparisons to simplify Medicare enrollment and Annual Election Period decisions.
Videos
Reviews (5)
Joanne Born
Dec 07, 2021
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I have used Holten for two years now and worked with Nicole. She is extremely knowledgeable about the industry and helped me navigate through all the ins and outs of supplemental insurance. I find her to be very professional and extremely responsive to my questions and concerns. She makes it easy to communicate- either with face to face appointments or via technology. Sometimes it is nice to have options! I highly recommend Holten, and Nicole in particular. She prevented me from making a huge mistake by taking the time to do all the research for me and customize for my needs. Thank you!
Tam Cohen
Nov 19, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I have been using Holten Insurance Agency for many years and would not go elsewhere. This family run business has always been exceptional. Nicole researches annually the best insurance companies to meet my needs. She is most efficient and a pleasure to work with.
I have been using Holten Insurance Agency for many years and would not go elsewhere. This family run business has always been exceptional. Nicole researches annually the best insurance companies to meet my needs. She is most efficient and a pleasure to work with.
Kelly Fitzpatrick
Nov 04, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
My husband was in need of life insurance. I reached out to Luci Kasiorek and she responded immediately with a policy that was very reasonable and worked for him. She was very professional and helpful. I highly recommend Luci Kasiorek as well as Holten Insurance for all your insurance needs.
My husband was in need of life insurance. I reached out to Luci Kasiorek and she responded immediately with a policy that was very reasonable and worked for him. She was very professional and helpful. I highly recommend Luci Kasiorek as well as Holten Insurance for all your insurance needs.
Sylvia Keene
Nov 04, 2021
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I have worked with Luci Kasiorek for the past two years. She has been extremely helpful to me. I highly recommend to anyone needing help with Medicare insurance issues to work with Luci. She reviewed what I had and what I needed and was able to work out a wonderful Medicare program for me for the supplemental and the part D plans. She thoroughly explained what options were available for my needs. I will continue to work with Luci.
Kathleen Kuna
Nov 02, 2021
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Working with Nicole Wall has been great. She is very professional, a great communicator and very easy to work with. Her research on Medicare plans was thorough and was also individualized to my specific needs. Over the past few years, my situation had changed and Nicole has been great at finding the best options for my coverage. I highly recommend her as you consider your options for Medicare coverage for the coming year.
