Business Details
38 Years
experience
Your Trusted Arizona Health Insurance Broker
Established in 1988, Lehrman Group has built a reputation as one of Arizona's most experienced and trusted health insurance agencies. Our team of knowledgeable agents specializes in providing personalized insurance solutions for individuals, families, and businesses across the state. With an A+ rating from the Better Business Bureau and decades of industry expertise, we represent all major carriers including Blue Cross Blue Shield of Arizona, United Healthcare, and Cigna. Our commitment to direct client relationships means we never act as a middleman, ensuring transparency and protection of your information throughout the insurance process. We offer comprehensive coverage options including individual and family plans, group health insurance, Medicare supplements, short-term policies, and long-term care solutions.Our client-centric approach focuses on understanding unique needs to deliver tailored insurance strategies that balance cost-effectiveness with comprehensive protection. Through our extensive network and deep understanding of Arizona's insurance landscape, we help clients navigate complex coverage decisions while maintaining compliance with state and federal regulations. Our proven track record of serving over 10,000 clients demonstrates our ability to deliver reliable insurance solutions that adapt to evolving healthcare needs.
Services
Individual Health Insurance
Group Health Insurance
Medicare Supplements
Short-Term Insurance
Long-Term Care Insurance
Dental Insurance
Travel Health Insurance
Details
- Year established: 1988
Highlights and features
- We've served Arizona residents since 1988 with specialized insurance expertise
- Our agents represent all major carriers without acting as middlemen
- We provide personalized rate comparisons directly from real agents
- A+ Better Business Bureau rating with decades of industry experience
- We maintain strict data privacy with no information sharing or selling
Associations and certifications
- Better Business Bureau (BBB)
What people say
Knowledgeable agents
Seamless process
Honest guidance
Excellent advice
Responsive service
Services
Individual Health Insurance
We provide customized health insurance solutions for individuals and families in Arizona. Our A+ BBB-rated agency offers ACA-compliant marketplace plans from carriers like Blue Cross Blue Shield and United Healthcare, along with non-Obamacare options available year-round. Our licensed agents help clients understand tax credits, network coverage, and plan benefits to find cost-effective solutions that match their specific healthcare needs and budget requirements.
Group Health Insurance
Our agency specializes in employer-sponsored health benefits for Arizona businesses of all sizes. We represent major carriers to create customized group plans that attract talent while controlling costs. Our services include plan design analysis, carrier comparisons, and implementation support. We help businesses understand minimum participation requirements, document preparation, and cost-saving strategies that can reduce employer expenses by up to $1,000 per employee annually.
Medicare Supplements
We offer comprehensive Medicare insurance solutions for Arizona residents aged 65+. Our independent agency provides Medigap plans, Advantage options, and Part D prescription coverage from top carriers. Our specialists explain the differences between supplemental plans, help clients understand out-of-pocket costs, and ensure proper coverage for pre-existing conditions. We maintain state licensing compliance and provide free comparative analysis to help seniors make informed coverage decisions.
Short-Term Insurance
Our agency offers affordable temporary health insurance solutions for Arizona residents during transitional periods. These plans provide coverage for up to 364 days with renewal options, featuring PPO networks including Mayo Clinic. Ideal for job transitions or coverage gaps, these plans offer immediate effective dates and cost about 50% less than ACA plans for those without tax subsidies. Our agents help clients understand coverage limitations and enrollment timelines.
Long-Term Care Insurance
We provide long-term care insurance solutions to protect Arizona residents' assets against rising care costs. Our policies from carriers like Mutual of Omaha cover home health care and facility stays, with benefits triggered by inability to perform daily living activities. Our specialists help clients understand eligibility requirements, premium factors, and coverage options that address the 40% statistical likelihood of needing long-term care after age 65.
People
Tony Lehrman
Founder
Tony Lehrman established the agency in 1988 and has guided its growth into Arizona's premier health insurance brokerage. With decades of industry experience, he maintains an A+ BBB rating while ensuring the agency's commitment to personalized service and client education remains central to its operations.
Chad Lehrman
Health Insurance Agent
Chad Lehrman specializes in individual and family health insurance solutions, known for his thorough explanations and patient approach. He helps clients navigate coverage options while maintaining the agency's tradition of personalized service and transparency in insurance matters.
Questions
What is a health insurance broker?
A licensed professional representing multiple insurance companies to help clients compare and select appropriate coverage options.
Is using a health insurance broker free?
Yes, brokers receive commissions from insurance companies at no additional cost to clients.
How do ACA plan costs vary in Arizona?
Premiums depend on age, location, and income, with tax credits reducing costs for qualifying individuals.
Can I get health insurance outside open enrollment?
Yes, qualifying life events allow ACA enrollment, and short-term plans are available year-round.
What group health insurance requirements exist in Arizona?
Minimum two employees required with necessary business documentation for employer-sponsored plans.
Do short-term plans cover pre-existing conditions?
No, these temporary plans exclude pre-existing condition coverage which requires ACA-compliant plans.
