Have a question?
Call us : (623) 910-7181
Local Medicare & Health Insurance Experts in Arizona
With over 25 years of experience helping Arizona residents navigate Medicare, the ACA Marketplace, and retirement planning, CLF Health is your trusted partner for peace of mind and financial security.
Health & Retirement Solutions for Arizona Residents
Trusted Medicare & Insurance Help for Arizona Families
With over 25 years of experience guiding clients through Medicare, health plans, and retirement planning, CLF Health is committed to making your coverage simple and your peace of mind secure.
Local, In-Person Help You Can Count On
From Medicare enrollments to retirement income planning, we work face-to-face with clients across Peoria, Glendale, Sun City, and surrounding Maricopa communities. We believe real people deserve real conversations. Not able to come into the office? Our team will come to you with house calls!
Working Only with the Most Trusted Providers
We partner with top-rated insurance carriers to bring you honest options — no high-pressure sales. Our team is also RSSA certified as Registered Social Security Analysts, giving you transparent answers and personalized plans for today and your future.
Explore the Services We Offer at CLF Health
We specialize in guiding Arizona residents through health coverage and retirement planning — with trusted, face-to-face support every step of the way.
FAQs
FAQs
Medicare Advantage (Part C) replaces Original Medicare and often includes extra benefits, while a Medicare Supplement plan works alongside Original Medicare to help cover out-of-pocket costs. We’ll help you compare both options to find what’s best for you.
Possibly! If you qualify for a Special Enrollment Period (SEP) — due to retirement, moving, or losing other coverage — you may be eligible to switch plans. We can help you find out.
You might face penalties or delays in coverage. Contact us as soon as possible — we can help you explore options and avoid costly gaps.
Eligibility is based on your income, household size, and tax filing status. We’ll walk you through the process and help you apply for savings.
Open Enrollment runs from November 1 to January 15, but signing up by December 15 ensures coverage starts January 1.
Yes! We help many self-employed professionals get individual health insurance through the ACA Marketplace. Use our self-employment signup link to get started.
Term life is temporary and often used for income replacement, while final expense is a small, permanent policy designed to cover funeral and burial costs. We’ll help you decide what’s right for you.
Not always. Many of our final expense policies offer guaranteed acceptance with no medical exam required.
Absolutely. We’ll guide you through the rollover process to help avoid taxes and penalties, and set you up with a smart, secure retirement strategy.
Yes! We’re located in Peoria, Arizona and serve surrounding areas like Glendale, Surprise, and Sun City. We also offer phone and virtual appointments if preferred.
Our consultations are free, and we’re paid by the insurance carriers — not by you. You get personalized, unbiased guidance at no cost.
Call us at (623) 910-7181 or visit clfhealth.com to schedule your free consultation. You can also explore our services and get helpful enrollment info right on the site.
Important Dates To Remember
Medicare Open (Annual) Enrollment
Oct 15 – Dec 7 → Make sure you’re covered in time!
Affordable Health Care Enrollment (ACA)
Nov 1 – Jan 15
Sign up by Dec 15 to start coverage Jan 1. Enrollments after Dec 15 begin coverage on Feb 1.
Medicare Advantage Open Enrollment
Jan 1 – Mar 31 → You may be able to update your plan.
You Have Rights as a Patient
Your health information is personal—and protected by federal law. Thanks to the Health Insurance Portability and Accountability Act of 1996 (HIPAA), you have important rights that help safeguard your medical privacy. You have the right to access and review your health records, request corrections to inaccurate or incomplete information, and know who has viewed your data. You can also ask to limit how your information is shared, or request to be contacted in specific ways, such as by phone or mail at a different location. In some cases, if you pay for care in full, you can even prevent your health insurer from accessing certain details. If you believe your privacy rights have been violated, you have the right to file a complaint with your provider or the U.S. Department of Health and Human Services. Your information, your rights—learn more at hhs.gov/ocr.
*Medicare Dislaimer : We do not offer every plan available in your area. Currently we represent 20 organizations which offer 250 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health insurance Program (SHIP) to get information on all of your options.
Contact us
Our mission is to help with Medicare Guidance, Health Insurance Coverage, Retirement Planning, and Final Expenses & Life Insurance. We are committed to providing exceptional customer service and support throughout the process. For assistance or to set an appointment, email us or stop by JRP Tax, where our CLF office is located.