Business Details
Your Trusted Insurance Partner in Lafayette, CO
MLJ Insurance operates as a full-service broker agency specializing in individual and group health insurance solutions. With a bilingual team fluent in English and Spanish, we evaluate insurance carriers based on financial stability, reputation, and plan designs to secure optimal options for clients. Our commitment to HIPAA compliance ensures client information remains confidential while our industry relationships facilitate access to competitive coverage. We prioritize personalized service, treating each client as unique to deliver tailored insurance solutions that align with their specific circumstances. 
Services
Health Insurance
Employee Benefits
Ancillary Benefits
Medicare
Compliance
HSA
Worksite Insurance
Highlights and features
- We offer bilingual English/Spanish insurance services for broader accessibility
- We evaluate carriers based on financial stability and plan designs
- Our team maintains strong relationships with insurance representatives
- We prioritize HIPAA-compliant data protection practices
- We provide personalized solutions tailored to individual circumstances
What people say
Exceptional customer service
Knowledgeable and caring
Efficient and professional
Invaluable guidance
Outstanding support
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families. Our services include evaluating coverage options, comparing plans from multiple carriers, and helping clients select policies that match their medical needs and budget. Our expertise ensures clients receive appropriate coverage for preventive care, treatments, and emergency services.
Employee Benefits
Our employee benefits solutions help businesses create competitive insurance packages. We assist with selecting group health plans, dental and vision coverage, disability insurance, and compliance with regulatory requirements. Our approach balances employer budgets with employee needs while maintaining ACA compliance and offering cost-effective solutions.
Ancillary Benefits
We offer ancillary benefits that complement primary health insurance. These include dental, vision, life, disability, and critical illness coverage. Our specialists help employers select voluntary and employer-paid options that enhance employee benefits packages while managing costs through pre-tax payment options and customized plan designs.
Medicare
Our Medicare specialists guide clients through enrollment and plan selection. We explain Part A, B, C, and D options, Medigap policies, and Advantage Plans. Our services include comparing prescription drug formularies, evaluating supplemental coverage needs, and helping clients understand enrollment timelines and eligibility requirements for this federal health insurance program.
HSA
We provide guidance on Health Savings Accounts paired with high-deductible health plans. Our experts explain contribution limits, tax advantages, and investment options. We help clients establish HSAs for current medical expenses or long-term savings while ensuring compliance with IRS regulations and maximizing available tax benefits.
People
Mary Heidbrier
Founder
Mary Heidbrier founded MLJ Insurance with over 20 years of health insurance experience. She specializes in navigating complex insurance markets, maintaining carrier relationships, and providing personalized solutions. Her expertise includes ACA compliance, policy evaluation, and bilingual client support.
Antonia Kelly
Insurance Specialist
Antonia Kelly provides expert insurance guidance with focus on client education and policy analysis. She assists with plan comparisons, regulatory compliance, and ongoing coverage updates. Her experience includes individual market solutions, employer group plans, and industry-specific insurance requirements.
Questions
What types of health insurance do you offer?
We provide individual/family plans, group insurance, Medicare, and marketplace coverage. Our services include dental, vision, disability, and supplemental insurance options to complement primary health coverage.
How do you help clients choose insurance?
We evaluate your specific needs, budget, and medical requirements. Our specialists compare plans from multiple carriers, explain coverage details, and recommend options that best match your circumstances and financial situation.
Do you offer bilingual insurance services?
Yes, our office provides full bilingual support in English and Spanish for all insurance services, including policy explanations, enrollment assistance, and ongoing client communication.
Can you help with insurance compliance?
We assist businesses with ACA compliance, ERISA requirements, and other regulatory obligations. Our services include plan documentation, reporting requirements, and ongoing compliance guidance for employer-sponsored insurance programs.
What are HSA-qualified plans?
HSA-qualified plans combine high-deductible health coverage with tax-advantaged savings accounts. We help establish these plans, explain contribution limits, and guide clients on using HSAs for current or future medical expenses.
Do you specialize in Medicare coverage?
Yes, we provide Medicare enrollment assistance, plan comparisons, and supplemental coverage guidance. Our specialists explain Part A-D differences, Advantage Plans, and Medigap options to help seniors make informed decisions.
Reviews (1)
Holly B.
Nov 20, 2015
Report
In June of 2014 I was going through a very tumultuous divorce and needed to get a separate health policy from him. We called MLJ Insurance services and got assigned to Antonia Kelly, she very quickly discovered I was grandfathered in with my current plan and could not change until open enrollment time. So she was unable to assist me but wanted me to sign up with her so she could help me when open enrollment came around again. She sent emails afterward to get me to sign over my insurance needs to her and a couple of phone calls as well. It felt like a bit of a harassment and in my current situation
