LRFA is a professionally managed, non-profit, mutual assistance organization.
We offer our members a variety of affordable insurance plans and provide financial assistance in emergencies.

Become a Member

Benefit Plans

About Us

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Welcome!

We offer many affordable plans to fit every stage of your life. The first step is becoming a member. Just complete our application form. Membership is open to all residents of the United States. Once you are a member, simply choose the benefit plans that are right for you. We offer health care benefits, travel, Medicare supplemental, and other options that will cover you and your family.


International Travel Coverage

If a medical problem occurs while you are abroad, you will feel more comfortable knowing that someone is there for you. This Plan offers 24 hour accident protection while traveling abroad. It is available only to LRFA members and their dependent children, but becoming a member is easy!

In a hurry? No problem.
Sign up for travel coverage online!

Health Care Benefits

This is the perfect plan for families. It covers medical expenses - both in-patient and office visits. Free choice of doctors. Coverage up to $75,000. Individual or family coverage.

Make a donation today!

Supporting families hit by natural disasters and struggling to recover. By making a donation to LRFA, you are making a difference.
Make your tax-deductible donation online and help LRFA provide assistance to people in need.

Medicare Supplemental w/Rx

Our Plans help you to fill the gaps in your Medicare insurance and covers certain things that Medicare doesn't cover. For example, our M-3D drug plan covers what Medicare Part D prescription drug plans don't. All for as low as $49.00 per month. Find out more...

Supplemental Health Care Plan

The LRFA Supplemental Health Care Plan helps guard against unforeseen expenses, by providing monetary compensation for each day of your hospital stay. This benefit also applies if you are hospitalized while traveling abroad. Benefits from this plan are paid directly to the member or to a member authorized person, regardless of any other health coverage the individual may have.

Charitable Works

Want to know more about the groups we support? Check out our Charitable Works section

Looking for a photo of Latvia for your desktop? We have a selection for you!

Looking for a Form?

All of our Applications and Benefit Request forms can be found on our website. Many of these can be completed online (like Membership Enrollment and Renewal application). We are working to get all enrollment forms online, but for now, they can be downloaded in PDF format. If you are looking for general information, please use our Information Request Form and we will be glad to send you more infomation about our programs.

Emergency Accident & Health Benefit Plan For Visitors from Abroad

The LRFA Emergency Accident and Health Benefit Plan is designed to enable LRFA members to obtain coverage of medical and emergency expenses incurred by their relatives/friends visiting the United States from abroad for up to twelve months. The LRFA Emergency Accident and Health Benefit Plan for Visitors from Abroad is not a general health insurance policy, but an interim travel medical plan intended for use while visiting the United States.

Prescription Drug Plan

Our prescription drug plan covers ALL of your prescription medications with no coverage gaps. Preferred brand, non-preferred and generic prescription drugs are covered. Your prescription drugs do not need to be pre-approved. You have full choice of pharmacies - participation within a network is not required.