RJR Benefits

RJR Benefits

Comprehensive Health & Life Insurance

Enhance your employee benefits with health and life insurance options from RJR Benefits, LLC. For your convenience, we also offer Long-Term and Short-Term Disability and Long-Term Care coverage.
RJR Benefits

Health Coverage

Selecting the right group health insurance coverage for your business is easy when you come to us. With many plans available, including HMO, EPO, PPO, and High-Deductive Health Plans (HDHP), you're sure to find one that best suits your employees and business.
  • Aetna®
  • BlueShield®
  • CDPHP®
  • CareConnect®
  • Emblem Health®
  • Empire BlueCross Life®
  • MVP Health Care®
  • Oxford® / United Healthcare®
10 Essential Plan Benefits Covered Under the Affordable Care Act
  • Ambulatory Patient Services
  • Emergency Services
  • Hospitalization
  • Maternity & Newborn Care
  • Mental Health & Substance Use Disorder Services, including Behavioral Health Treatments
  • Prescription Drug Plans
  • Rehabilitative & Habilitative Services & Devices
  • Laboratory Services
  • Preventative & Wellness Services & Chronic Disease Management
  • Pediatric Services, including Oral & Vision Care
Standard Plan Add-Ons:
  • Dependent Coverage to Age 30
  • Skilled Nursing Care
  • Domestic Partnership Coverage for Same & Opposite Sex
Medicare Products:
  • AARP® Individual Medicare Supplement Plans

  • AARP Medicare Prescription Drug Plans (PDP)
    • SilverScript PDP

    Coverage for Life

    While health insurance provides employees with coverage for health-related needs, life insurance is essential as it provides coverage in the event of death. We offer a wide array of options, including term, guaranteed universal life, and whole life plans from:
    • Ameritas®
    • Assurant Employee Benefits™
    • Guardian®
    • MetLife®
    • Principal® Financial Group
    • Sun Life™
    • Security Mutual Life™


    Serious accidents and illnesses can prevent your employees from returning to work, causing them to lose much-needed income. With long and short term disability options including business overhead expense plans, your employees can supplement their income when an illness or conditions prevents them from returning to work right away.
    • Aflac
    • Ameritas
    • Assurant Employee Benefits
    • Guardian
    • MetLife
    • Principal Financial Group
    • Security Mutual Life
    • Sun Life

    Long Term Care

    • Berkshire Life®
    • Genworth Life®
    • John Hancock Life®
    Contact us to ensure your employees have proper insurance coverage.