Whether you are looking for health insurance in retirement, during your working years, or have a small business and want coverage for your employees, RJF, Inc. has been helping people find solutions since 1979. As an independent insurance agency, our experience can guide you through the often confusing world of health insurance. Please contact us today to see how we might be able to research solutions, answer your questions and provide a peace of mind that health insurance may bring.
Are you a small business owner looking to add or change a critical benefit for your employees? Find out how we can help design a plan that fits your business.
Are you a small business owner looking to add or change a critical benefit for your employees? Find out how we can help design a plan that fits your business.
Services
RJF, Inc. and Richard J. Falck have been named a "Blue Partner" by Blue Cross and Blue Shield of Minnesota as one of the top agencies and top agents in recognition of their high standards of performance and client satisfaction.
Securities Offered through FIRST HEARTLAND CAPITAL, Inc., Member FINRA & SIPC.
Advisory services offered through First Heartland Consultants, Inc. 4101 Lake St. Louis Blvd., Lake St. Louis, Missouri 63367.
Richard began his career in the financial services and insurance industry in 1991, following in the footsteps of his father and grandfather.
Securities Offered through FIRST HEARTLAND CAPITAL, Inc., Member FINRA & SIPC.
Advisory services offered through First Heartland Consultants, Inc. 4101 Lake St. Louis Blvd., Lake St. Louis, Missouri 63367.
Richard began his career in the financial services and insurance industry in 1991, following in the footsteps of his father and grandfather.
It is estimated that expenses related to health care make up one of the biggest portions of a retiree's budget.
Understanding which health insurance plan to choose to cover these expenses is an important decision.
Below are the common types of plans that work with Medicare, as well as information about Medicare and its eligibility requirements.
Please contact us for more details and see how we can help you.
Medigap plans can offer full coverage in areas of deductibles, co-payments and co-insurance.
Understanding which health insurance plan to choose to cover these expenses is an important decision.
Below are the common types of plans that work with Medicare, as well as information about Medicare and its eligibility requirements.
Please contact us for more details and see how we can help you.
Medigap plans can offer full coverage in areas of deductibles, co-payments and co-insurance.
Part D (Rx) plans offer prescription drug coverage to help manage the cost of generic and brand-name prescription drugs.
Plans offer a choice of premium, deductible and cost-sharing amounts and are generally available as either a stand-alone prescription drug plan or may be included in a Cost or Medicare Advantage Plan.
Part D has certain enrollment periods and rules about when you can enroll or make changes to your coverage.
Initial Enrollment Period (IEP) occurs when you are newly eligible for Medicare - three months prior to, the month of, or three months after your 65th birthday.
Plans offer a choice of premium, deductible and cost-sharing amounts and are generally available as either a stand-alone prescription drug plan or may be included in a Cost or Medicare Advantage Plan.
Part D has certain enrollment periods and rules about when you can enroll or make changes to your coverage.
Initial Enrollment Period (IEP) occurs when you are newly eligible for Medicare - three months prior to, the month of, or three months after your 65th birthday.
The Patient Protection and Affordable Care Act, which was signed into law in 2010, made some major changes to the individual health insurance market.
If you need to find individual or family health insurance, please feel free to contact us to discuss your off-exchange options.
An annual Open Enrollment Period (OEP) is available for individuals and families to enroll in a private health insurance plan, make changes, or renew an existing plan.
Please contact us for specific dates for this year.
A Special Enrollment Period (SEP) is created when there is a Qualifying Life Event.
If you need to find individual or family health insurance, please feel free to contact us to discuss your off-exchange options.
An annual Open Enrollment Period (OEP) is available for individuals and families to enroll in a private health insurance plan, make changes, or renew an existing plan.
Please contact us for specific dates for this year.
A Special Enrollment Period (SEP) is created when there is a Qualifying Life Event.
Business owners often find that offering a comprehensive health insurance plan to their employees is a great way to attract and retain employees.
RJF, Inc. works primarily with small groups (2-50 employees) to design a set of plans that can offer health insurance, life and disability coverage, as well as dental benefits.
RJF, Inc. works primarily with small groups (2-50 employees) to design a set of plans that can offer health insurance, life and disability coverage, as well as dental benefits.
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