Business Details
47 Years
experience
Trusted Health Insurance Solutions in Northfield, MN
RJF, Inc. has been dedicated to helping individuals and businesses navigate the complexities of health insurance since 1979. As an independent insurance agency, we prioritize personalized guidance to ensure clients find solutions tailored to their unique needs, whether they are approaching retirement, managing personal coverage, or providing employee benefits. Our team combines decades of experience with a commitment to simplifying healthcare decisions, offering expertise in Medicare, individual health, group health, and dental insurance. We maintain strong partnerships with leading providers, including Blue Cross and Blue Shield of Minnesota, to deliver comprehensive options while upholding transparency and client-centric service.Our advisors, including industry-recognized professionals like Richard J. Falck, bring specialized knowledge through certifications such as CFP, CLU, and ChFC. We emphasize community engagement and ethical practices, ensuring clients receive reliable advice and ongoing support. With a focus on clarity and peace of mind, we strive to demystify insurance complexities and empower informed decision-making. Our office in Northfield, Minnesota serves as a trusted resource for local and regional clients seeking dependable coverage solutions. By staying current with regulatory changes and market trends, we position ourselves to adapt to evolving client needs while maintaining a foundation of integrity and expertise.
Services
Medicare Plans
Individual Health Insurance
Group Health Insurance
Dental Insurance
Travel Medical Coverage
Details
- Year established: 1979
Highlights and features
- We offer 45+ years of experience in health insurance solutions since 1979
- Our team includes certified professionals with CFP, CLU, and ChFC designations
- We provide personalized guidance through complex insurance options
- Our independent agency status allows access to multiple provider networks
- We maintain a proven track record of client satisfaction and community engagement
Associations and certifications
- Blue Cross and Blue Shield of Minnesota Blue Partner
Services
Medicare Plans
We specialize in Medicare solutions including Medigap, Cost Plans, and Medicare Advantage options. Our experts help clients understand eligibility requirements, enrollment timelines, and coverage differences to select plans that match their healthcare needs. We provide ongoing support for policyholders navigating prescription drug coverage and provider networks.
Individual Health Insurance
Our individual health insurance services cater to working-age adults and retirees seeking personalized coverage. We analyze clients' medical needs, budget constraints, and preferred provider networks to recommend comprehensive plans. Our guidance includes explanations of deductibles, co-payments, and out-of-pocket maximums to ensure informed decision-making.
Group Health Insurance
We design customized group health plans for small businesses seeking competitive employee benefits. Our services include plan comparisons, cost analysis, and compliance guidance for employers navigating healthcare regulations. We work with business owners to balance premium costs with comprehensive coverage options for their workforce.
Dental Insurance
Our dental insurance solutions provide access to preventive and restorative care coverage. We help clients evaluate plan benefits including routine cleanings, major procedures, and out-of-network flexibility. Our team simplifies dental plan selection by comparing premiums, annual maximums, and waiting periods across multiple providers.
Travel Medical Coverage
We offer travel medical insurance solutions for domestic and international trips. Our policies cover emergency medical treatment, evacuation, and repatriation services. We advise travelers on policy limitations, pre-existing condition coverage, and 24/7 assistance services to ensure comprehensive protection during journeys.
People
Richard J. Falck
Owner and Agent
Certified Financial Planner with 30+ years of insurance experience, specializing in healthcare solutions. Holds advanced designations including ChFC and CLU. Active community leader serving on local boards and committees.
Frances Boehning
Office Manager/Strategic Assistant
Brings 10 years of local government experience to client support. Holds BS in International Business and Digital Marketing certificate. Manages administrative operations and client communications for the agency.
Questions
When should I enroll in Medicare Part B?
Enroll during your Initial Enrollment Period (3 months before to 3 months after turning 65) or qualify for Special Enrollment if you have existing employer coverage.
What's the difference between Medigap and Medicare Advantage plans?
Medigap plans supplement Original Medicare with standardized benefits, while Medicare Advantage plans replace it with bundled coverage that often includes drug benefits and provider networks.
Do you offer insurance for small businesses?
Yes, we specialize in group health insurance solutions for small businesses with tailored plans that balance employer costs and employee benefits.
How do I compare dental insurance plans?
We analyze your dental care frequency, preferred providers, and budget to compare annual maximums, waiting periods, and coverage levels across available plans.
Are your services free?
We receive commissions from insurance providers, allowing us to offer our expertise at no direct cost to clients while maintaining unbiased plan recommendations.
What travel medical coverage do you recommend?
We recommend policies covering emergency treatment, evacuation, and repatriation with 24/7 assistance services, customized to your destination and travel duration.
