Health Care Reform
About us
Plans For Businesses
Plans For Individuals
Medicare Supp Plans
The Process

Welcome to our Internet site. As an up-to-date business, we want to give you the opportunity to stay in touch with our company and provide you with information about our services.

We are making an effort to present you with our entire spectrum of our business and provide you with up to date information on healthcare reform. The emphasis of our site is on information regarding insurance and financial services for businesses, families and individuals. 

In brief, you should know the following about us: our company was established in 1988 and has been responsible for providing insurance and financial services to businesses and individuals in Arizona and New Mexico ever since. Our specialty is in the area of Individual Insurance Planning and Employee Benefit Plans. Our regular customers particularly value our sincerity and hard work. KLB Insurance & Financial Services is located at 405 N. Beaver St. Suite #8 Flagstaff, AZ 86001. Hours are by appointment only. Learn more about us here.

The Health Insurance Marketplace is Open.

Here at KLB Insurance we are ready to help you. Leslie Barton is certified by the Centers for Medicare and Medicaid Services to assist people with purchasing health insurance through the Health Insurance Marketplace or directly through a medical insurance company. Leslie has the expertise to aid you in navigating the market place, purchasing health insurance through the market place and obtaining a federal premium subsidy to help pay for your insurance if you qualify.

Contact our office directly at (928) 774-8106 or email leslie@klbinsurance.net to schedule an appointment. There is no cost to you to utilize our professional assistance with the new health insurance market place.

People who purchase a QHP through the FFM may be eligible for federal subsidies to help them pay for the cost of their insurance. Individuals who have a modified adjusted gross income that falls between 100-400% of the Federal Poverty Level (FPL)* will want to access the FFM and apply for a subsidy. See the chart on our Health Care Reform page that shows income levels that fall within 100-400% of the FPL.

*Data source:  U.S. Department of Health and Human Service http://aspe.hhs.gov/poverty/index.cfm

The Patient Protection and Affordable Care Act

We know many of you have questions about what the health care reform legislation contains and how it will impact your business or you as an individual. Here at KLB Insurance & Financial Services we are working hard to provide you with the information and tools you need to better understand the changes and how together we will move forward. One of the primary purposes of our site is to share with you up to date information on Health Care Reform. We will make every effort to bring you current and accurate information. Please visit the Heath Care Reform page and PPACA Resources page for up to date and detailed information on the Patient Protection and Affordable Care Act (P.L. 111-148).