Business Details
Your Trusted Independent Insurance Agency for Medicare and Senior Coverage
LJM Insurance Agency is an independent health insurance agency dedicated to providing tailored insurance solutions for seniors. We partner with top-rated carriers to offer Medicare Supplements, Advantage Plans, Part D, Dental, and Life Insurance. Our approach prioritizes education and personalized service, ensuring clients understand their options before making decisions. We operate without fees, earning commissions from insurers to maintain affordability.Our team is committed to transparency, offering live support via phone, chat, or email to address client needs efficiently. With a focus on long-term relationships, we continuously monitor market trends to recommend stable, competitive plans that align with individual budgets and healthcare requirements.
Services
Medicare Supplement Plans
Medicare Advantage Plans
Medicare Part D Coverage
Dental Insurance
Senior Life Insurance
Prescription Drug Plans
Health Insurance Consultation
End-of-Life Expense Coverage
Preventive Care Insurance
Senior Health Insurance
Highlights and features
- We are an independent agency offering unbiased comparisons across top-rated carriers.
- Our services are free to clients, with no hidden fees or commissions.
- We specialize in senior-focused insurance with expertise in Medicare regulations.
- We provide personalized education to ensure informed coverage decisions.
- We offer live support via phone, chat, or email during extended business hours.
What people say
Expert guidance
Free consultations
Personalized recommendations
Transparent process
Senior-focused expertise
Services
Medicare Supplement Plans
Medicare Supplement Plans fill gaps in Original Medicare coverage by paying deductibles, copayments, and coinsurance. These standardized plans (A-N) offer predictable out-of-pocket costs for hospital and medical expenses. Our agency helps clients compare plans from top-rated insurers to find cost-effective solutions.
Medicare Advantage Plans
Medicare Advantage Plans replace Original Medicare with comprehensive coverage through private insurers. These plans often include prescription drugs, dental, and vision benefits. We assist clients in selecting HMO, PPO, or SNP plans that match their healthcare needs and budget.
Dental Insurance
Dental Insurance covers preventive care, restorative treatments, and major dental procedures. Plans help reduce costs for cleanings, fillings, crowns, and orthodontics. We offer options for individuals and families with varying coverage levels and provider networks.
Senior Life Insurance
Senior Life Insurance provides financial protection for end-of-life expenses like funerals and medical bills. Policies ensure loved ones avoid financial strain while maintaining dignity. We offer term and permanent options tailored to seniors' health and budget.
Medicare Part D
Medicare Part D plans cover prescription drug costs with tiered copayments. Plans vary by medication formularies and premium costs. Our experts help clients select plans that optimize coverage for their specific prescriptions while minimizing expenses.
People
Loran Marmes
Owner
Loran Marmes founded LJM Insurance Agency with a mission to simplify senior insurance navigation. With over 15 years in healthcare insurance, he specializes in Medicare regulations and senior financial planning. His client-first approach prioritizes education and transparency.
Questions
What types of insurance does LJM Insurance Agency Agency offer?
We offer Medicare Supplements (Medigap), Medicare Advantage Plans, Part D prescription coverage, dental insurance, and senior life insurance policies.
Is there a fee for your insurance consultation services?
No, our services are completely free. We earn commissions from insurance carriers, passing savings directly to clients.
How do I compare Medicare plan options?
We analyze your medical needs, prescriptions, and budget to compare plans from multiple carriers, highlighting cost differences and coverage gaps.
Can I get dental insurance if I have existing oral health issues?
Yes, we offer plans that cover pre-existing conditions with waiting periods, as well as preventive care to maintain oral health.
What are the benefits of using an independent insurance agency?
Independent agencies provide unbiased comparisons across multiple carriers, ensuring you get the best coverage at competitive rates without conflicts of interest.
How quickly can I get coverage after applying?
Coverage typically starts the first day of the month following application, though some plans may have 30-60 day processing periods.
Reviews (5)
Grigory Aizenstadt
Nov 29, 2013
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I would like to thank Loran for the service. He was great. I needed a short term medical insurance and Loran found a brand name at a very competitive cost to me.
Jack Stanford
Oct 06, 2013
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I do not recall exactly how I found Loran but it was probably been through an Internet search. I spend quite a bit of time on the Internet. Anyway, all of my experiences with Loran have been very positive. I cannot say enough good things about him. He deserves an "A+" for effort. I have some prescription drug problems and Loran has always been there to help me. The above said, I have not paid Loran any money yet. I am now looking for a new doctor to write my prescriptions and am having a hard time doing that. This is my problem to handle, not Loran's.
Gregory Cupp
Aug 23, 2013
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The government should have told the people right from the start to find Loran or guys like him who have trained for all this, it would have saved millions of people time and frustration and the program would have gotton off to a great beginning---he was absolutely magnificent in guiding us through the problems, and helping us to achieve what we needed. Thankyou Loran!
Jeff Fassbinder
Jun 01, 2013
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I have some special needs and they were ALL met. I probably could have shopped more but once I made contact with Loran, there was no reason to. The level of trust is high. Two things that really stand out are his willingness to answer all my questions and his follow up. If anyone is looking for a pro - look no further.
G. Hart
May 17, 2013
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Loran spent a lot of time on the phone with me explaining my options for health insurance in detail. He was very patient and kind. He made an effort to steer me in the right direction and explain the details to me. He was very prompt in returning my phone calls and emails. Since I was unfamiliar with this particular insurance, he made it easier for me to understand. Together we decided on a good option that suited my needs and I am very happy with the results. Would recommend him highly.
