480.779.8253

Services

Benefit Packages

Individuals and Families

If you are not offered coverage through an employer or you are self employed there are options available.  Let us sit down with you and build a package that includes an affordable Health Insurance Policy as well as Supplemental Coverage that protects you in the event of an illness or injury.  We offer free consultations and work with all our carriers to deliver what your family needs.  If you can’t come in, we can help remotely as well.  Best of all we will take the confusion out of this process, enroll you, set up payments and explain how to use your polices.  You also have access to us to help with issues, if there are any, along the way.

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or feel free to Book an Appointment

 

Seniors

Turning 65 and confused about Medicare?  How to apply?  What to pick?  Medicare Advantage or Medicare Supplement, Part D?  Let us make this process seamless by coming to your home and doing a thorough educational overview.  If you choose to enroll we also can help you with that process as we represent a large group of carriers in all spaces.  We can help with the application and enrollment as well as servicing and answering all of your questions.

 

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Small Businesses

If you are a small business owner with 1 or more employees you may want to explore a group plan.  Offering coverage is a great way to retain employees as well as attract them.  It also offers up more participating carriers and types of plans.  We can build the entire package for your group.  You can start to build your quote below by answering the questions on the link below.  We will also come to your place of business and help you build your plans.

Group Census – https://www.quotit.net/eProGroup/EmailCensus.asp?brokerID=23599890&license_no=U3S4B2

Vision

75% of people need some form of vision correction.  An annual vision exam can also help with early detection of diseases and other medical problems.  A vision plan will pay for your yearly visit for health and wellness as well as diagnose correction if needed.  The plan will also help pay with lenses and frames and contacts.  Many are very affordable and pay for themselves.

Quote Vision – Get an Online Vision Quote

Dental

Routine Dental exams and cleanings can rule out Coronary Heart disease by helping to prevent gum disease, as well as keep your mouth healthy.

Dental plans come in all shapes and sizes.  Most have waiting periods for major services unless you have existing coverage.  You can purchase a dental plan for less than $1 per day.

Quote Dental – https://Get an Online Dental Quote

Life Insurance

Life Insurance is important to have whether you are single or married and with or without children.

7 out of 10 households say that if their primary breadwinner was to pass away that they would have trouble meeting their expenses and everyday needs in less than 90 days.

Life Insurance can protect your loved ones for their future, protect your mortgage, pay off bills, help with education of your loved ones. It’s also very affordable.

We work with both Term and Whole Life polices including Final Expense and use the top carriers. 

Please reach out to receive a quote through our Contact Link.

Short-Term Medical

These plans can fill in the gaps if you are in between employment or waiting for benefits to start at your new job.  This is also a great solution for someone waiting to Age into Medicare and has less than a few years left or so.  It is also a good way to save money on monthly premiums if your family is in pretty good health.  Most are underwritten.  They also can provide coverage for children only as an alternative to an expensive Employer plan or even the Health Insurance Marketplace.  Many do have drug plans and offer PPO networks and varying deductibles.

Quote Short Term – https://www.quotit.net/eproIFP/webPages/infoEntry/infoEntry.asp?insuranceTypeID=T&license_no=U3S4B2

Supplemental Accident, Hospital Indemnity, Critical Illness

Did you know that a critical illness and medical bills contributed to 62% of all bankruptcies?  The ironic thing is that about 78% of these people had Health Insurance in place at the time.  This goes to show you that just having Health Insurance does not necessarily protect you financially when it comes to a major event.  This is where a good supplemental portfolio can protect you against high deductibles, and high maximum out of pocket costs involved with your policy.   We work to make sure we can fill in the gaps in case the unexpected happens.  This is cash paid to you in the event of an illness or injury.  It can pay bills, put food on the table, or even help with an alternative treatment. 

Please reach out to receive a quote through our Contact Link.

Retirees

More people are retiring later because they are afraid of the cost of Health Insurance and COBRA.

We offer a free consultation and will sit down months prior to help figure it all out and hopefully put your mind at ease.  We can create the options for you so you can add this into your planning process before it happens.  We also offer to work with your Financial Advisor to make sure we are considering all factors of income, etc. in the planning process. 

Please reach out through our Contact Link or Book and Appointment.

Qualifying Life Events

Are you newly married?  Recently adopted a child, taken on a dependent?  Have you become a US Citizen in the last 60 days?  Have you gone through a divorce?  Lost your coverage through your job? Lost your parents coverage because you’ve turned 26?  Have you just moved to a new County?

All of these qualify you to make changes to your Health Insurance and in some cases even obtain it outside of Open Enrollment.  The time frame here is 60 days from loss, so make sure to contact us to schedule an appointment so we can design the right package for you.

Please reach out to receive a quote through our Contact Link.

Health Insurance Facts – https://www.quotit.net/faq/health.asp

Individual Health, Small Group, Medicare, Supplemental, Life

At LR-J Health Solutions, we are here to answer your questions and help you enroll you in the insurance plan of your choice. Call 480-779-8253 to speak to a licensed sales agent or schedule an appointment to help you with the entire process.

 

 

1839 S Alma School Rd.  Suite #110

Mesa, AZ 85210

Serving Arizona and California

laura@lrjhealthsolutions.com

480.779.8253

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