About Us

Our clients are the sole reason we are in this business, and we are committed to our focus on providing exceptional customer service. We are available to assist our clients throughout the year in managing their policy.
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From start to finish we strive to provide ongoing support to our clients to help them navigate the world of health insurance.  Our goal is to look at each individual, family and employer group as unique.

By looking at each client and potential client as unique we can offer insurance policies that are the best fit for the current circumstances of the individual, family or employer.

Our business takes protecting your information seriously. You can have peace of mind knowing that we are HIPPA compliant. We have made it our priority to keep your personal healthcare information confidential and secure. Any information supplied to us will be held in strict confidence. (For more information feel free to review our Privacy Policy through the link below).  

How are we qualified to help you find solutions to your insurance dilemmas?

MLJ Insurance Services takes pride in being a full-service broker agency for individual and group health insurance. We are a bilingual office speaking English and Spanish. We evaluate each insurance company that we represent by looking at their financial stability, reputation and plan designs. We work to have excellent relationships with the insurance companies and their representative so that our clients are always afforded the best options available.

Health Insurance Denver Colorado

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Mary Heidbrier, Partner

Mary Heidbrier | Colorado Health Insurance AgentMary founded MLJ Financial Services in 2003. She is an innovative, self-sufficient insurance broker and has built MLJ Financial Services on the cornerstones of education and knowledge. Mary has been a member of the National Association of Insurance Underwriters (NAHU) since the beginning of her career as a broker, and is known for her up-to-date knowledge about the health insurance industry and the ever-changing legislature affecting health insurance. This knowledge has assisted MLJ in providing excellent ongoing counsel and advice to clients in an ever-changing environment.

Mary has taken many additional courses in her desire to be knowledgeable in the insurance world. Below are a few of those certificates:

  • LIMRA Certification
  • Employee Benefits Institute of America Seminar 2006
  • NAHU Consumer Directed Health Care Certification 2007
  • Broker Business Development Program 2008 (sponsored by Warner Pacific & Kaiser Permanente)
  • NAHU Wellness Certification 2009
  • HealthCare Advisor Program 2013
  • LPRT Member since 2015
Put Simply: Professional. Prompt. HELPFUL.
In an industry that is almost impossible to navigate, understand and time, Mary Heidbrier provided the most helpful assistance I have ever dealt with.
Ryan Boykin, Atlas Real Estate Group

Jake Stair, Individual Health Insurance Specialist

Jake Stair | Colorado Health Insurance AgentJake Stair joined MLJ Insurance Services in 2016. As one of MLJ Insurance’s newest members, Jake is eager to apply his customer service skills to helping individuals find the right health insurance to meet their needs.

Jake has a degree in Business Management from The University of Wyoming and a proven track record of customer service excellence. He is driven to succeed and dedicated to finding the best solutions for our clients. Jake is a Colorado licensed broker, a member of National Association of Health Underwriters (NAHU), Certified by Connect for Health Colorado, and sees the value of continuing education in this ever-changing field.

Melissa Schaming – Group Service Representative

Melissa Schaming | Colorado Health Insurance AgentMelissa Schaming joined MLJ Insurance Services in 2016. Melissa began her professional career in life insurance in 2005 after graduating from the University of Massachusetts with a degree in Communication. After more than 9 years in life insurance, Melissa moved on to the more exciting field of health insurance by joining the MLJ team.

Melissa is an East Coast transplant who truly values the Colorado lifestyle and relishes in the abundance of sunshine. She enjoys traveling and iced coffee, but she finds the most satisfaction in solving problems and providing thorough customer service to MLJ Insurance Services’ group clients.


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