Group & Individual Health Insurance Plans
Group Health is a type of insurance sponsored by companies and organizations for their employees or members. We here at RMJ Benefits Group, LLC understand the NEW healthcare laws (Affordable Care Act), and can help you through the maze of options and regulations. We are independent, so we can design customized solutions for both individuals as well as for groups.
If you work for a company that offers Group Health Insurance, it's probably beneficial to enroll in it. However, if they don't yet have a Group Plan, why not ask your benefits manager to give us a call? We can provide the business owner or benefits manager a second opinion on the Group Health Insurance options for their employees.
Medicare
With soaring deductibles and out-of-pocket expenses for health care, the time is now to have an insurance plan to supplement the costs that Medicare does not cover. A Medigap policy helps pay some of the costs not covered by Medicare, such as deductibles, coinsurance or co-payment amounts. We are independent benefits broker and offer quality Medicare Supplement Advantage as well as Medicare Supplement plans in many states including New York, New Jersey, Pennsylvania and Florida. As an independent agency, we work with top-notch carriers to find a plan that best fits both your needs and pocket.
Life Insurace Plans & Benefits
With a full portfolio of flexible options we enable you to offer the best solution for your needs or the needs of your employees
Long Term Care
Chances are you'll either have a loved one who needs long term care or you will – perhaps both.
Long term care insurance (LTCI) is one of the solutions we offer to help protect families against the potential devastating costs of long term care.
Disability Insurance
We offer short & long term disability insurance for both individuals and groups.
Accidents, illnesses, and debilitating conditions can strike without warning and leave behind expensive consequences. The risk of becoming disabled is greater than one might think. It’s estimated that One in every Four of today’s 20 Year Olds will become disabled before they retire. Factors such as excess body weight, high blood pressure, and tobacco use may increase the risk. Whether your business is well-established or just starting out, RMJ Benefits Group, LLC can offer you simplified access to this essential short and long term disability insurance coverage through our carrier relationships.
Dental
Poor oral health can cause pain, embarrassment and even affect the rest of your body. A quality dental plan helps you take charge of your oral health.
You should consider buying an individual dental plan for me and/or my family because you can actually buy an affordable dental plan for you or your family even if your employer doesn’t offer dental insurance.