The top-rated supplemental insurance agent in Alameda, California is Kelly Lux - State Farm Insurance Agent, rated 5.0 stars across 527 reviews. Other highly rated options include AAA Alameda Branch, Christie Kennett - State Farm Insurance Agent, Farmers Insurance - Alfonso Servin. This directory lists 15 supplemental insurance agents serving Alameda.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kelly Lux - State Farm Insurance Agent | 2221 Harbor Bay Pkwy | (510) 521-1222 |
| 2 | AAA Alameda Branch | 2650 5th St Building F, Suite H | (510) 336-7100 |
| 3 | Christie Kennett - State Farm Insurance Agent | 550 Park St Ste 108 | (510) 521-0060 |
| 4 | Farmers Insurance - Alfonso Servin | 550 Park St Ste 104 | (510) 522-0123 |
| 5 | Farmers Insurance - Leah Nishi | 1516 Oak St Suite 100 | (510) 473-5565 |
| 6 | Alameda Alliance for Health | Headquarters, 1240 S Loop Rd | (510) 747-4567 |
| 7 | Larkins insurance Agency | 1101 Marina Village Pkwy suit 202 | (341) 223-3403 |
| 8 | Caffrey Insurance Solutions, Inc. | 2413 Webb Ave ste c | (510) 444-5447 |
| 9 | Larry Bolton - State Farm Insurance Agent | 934 Central Ave | (510) 521-4272 |
| 10 | John Baskett Insurance Services | 2601 Blanding Ave | (510) 523-0111 |
Kelly Lux - State Farm Insurance Agent serves the Alameda, California area as a supplemental insurance agent. Supplemental insurance policies help cover costs that primary health plans often leave unpaid. Common options include plans for accidents, critical illness, and hospital confinement. Local residents can explore coverage that supports out-of-pocket expenses during unexpected medical events. The agency guides clients through the enrollment process for these short-term health gap policies. It handles sign-ups for accident and critical illness insurance specifically in Alameda.
AAA Alameda Branch provides supplemental insurance agent services to clients throughout the Alameda area. These policies work alongside primary health coverage to help individuals manage out-of-pocket costs such as deductibles and copayments. The agency focuses on explaining policy options clearly and completing routine service tasks like billing adjustments and coverage updates. Its maintenance plans include annual policy reviews that address changes in a client’s health needs or budget. The company serves a diverse range of properties, including single-family homes, apartments, retail establishments, and restaurants.
Homeowners and small business owners in Alameda turn to Christie Kennett's office for supplemental insurance coverage that helps fill gaps left by primary health and property policies. As a local supplemental insurance agent, the company offers access to accident, critical illness, and life insurance plans designed to provide additional financial protection during unexpected events. The office also serves residents and business owners in the nearby Oakland metro area, ensuring broader access to its various supplemental insurance options.
Serving Alameda, CA, and the surrounding East Bay communities, this agency handles a variety of supplemental insurance plans designed to fill gaps in primary coverage. It assists clients with policies for accidents, critical illness, and hospital indemnity, ensuring more comprehensive financial protection during unexpected health events. The agency typically begins with a thorough review of a client’s existing coverage, then clearly presents options to address specific personal needs and budget.
Farmers Insurance - Leah Nishi specializes as a supplemental insurance agent in Alameda, CA, offering policies that help cover gaps left by major medical plans. It assists local residents and small business owners with tailored solutions for accident, critical illness, and hospital indemnity coverage. The agency works to explain complex plan details and guide clients through straightforward enrollment processes. Seasonal concerns such as unexpected winter injuries or summer sports accidents are situations the agency helps address by providing financial protection for recovery.
Operating in Alameda, CA, this supplemental insurance agent distinguishes between one-time policy reviews and ongoing service arrangements, helping clients understand coverage gaps left by standard health plans. Local Medicare and accident supplemental policies address these needs. The agency coordinates with carriers to present plan details for preexisting conditions or prescription coverage. Service runs on a schedule determined by client preference, either as an annual one-time consultation or for periodic policy updates on an as-needed basis through the year.
As the seasons shift in Alameda, residents often seek ways to safeguard their financial security against unexpected gaps in coverage. Larkins Insurance Agency provides supplemental plans intended to help relieve out-of-pocket costs not covered by primary health policies. The company assists clients in evaluating their current protections and identifying potential vulnerabilities in their monthly budgets. An agent typically meets with individuals to review their specific circumstances and available options. This initial step involves a personalized assessment of the client's needs before any policy discussion begins.
Caffrey Insurance Solutions, Inc. serves residential clients in Alameda, California, helping them select supplemental insurance plans to cover gaps in primary health coverage. The agency also assists local commercial clients in obtaining similar ancillary policies tailored to business needs. Operating throughout the Alameda area, it guides individuals and small enterprises through plan options. After an initial enrollment, the company provides follow-up assistance and repeat service during the policy year, ready to adjust coverage between regular insurance visits as client needs change.
Larry Bolton - State Farm Insurance Agent in Alameda, California, provides supplemental insurance policies designed to fill gaps left by standard health coverage. These add-on plans help with out-of-pocket costs, including deductibles and copays for unexpected medical events. The agency focuses on offering personalized support to guide customers through their options for extra financial protection. Beyond personal clients, it serves various commercial sectors such as local offices, warehouses, and food service businesses seeking to strengthen employee benefit packages.
John Baskett Insurance Services, based in Alameda, CA, is known for helping clients fill gaps in their standard health coverage. The agency offers a range of supplemental insurance policies designed to cover copays, deductibles, and other out-of-pocket expenses. Their work focuses on providing local residents with tailored plans that address individual health care needs. A specialty service the agency can add on is a critical illness policy that pays a lump sum upon diagnosis.
What Does a a Supplemental Insurance Agent in Alameda Cost?
Supplemental insurance agent services in California are typically free to consumers because agents earn commissions from insurance companies. Medigap plan premiums in Alameda range from about $100 to $300 per month depending on age, plan type, and insurer. Medicare Advantage plans often have $0 monthly premiums but may include copays and deductibles. Costs vary by case. This is general information, not insurance advice.
About supplemental insurance agents in Alameda
Supplemental insurance agents in Alameda, California help residents choose Medigap or Medicare Advantage plans to cover gaps in Original Medicare. Under California law, insurers must offer a guaranteed issue period for Medigap plans within six months of enrolling in Medicare Part B. Agents licensed by the California Department of Insurance can guide you through open enrollment and special enrollment periods.
Frequently Asked Questions
What is a supplemental insurance agent in Alameda?
A supplemental insurance agent in Alameda is a licensed professional who helps you compare and enroll in Medigap or Medicare Advantage plans. They explain plan benefits, costs, and network restrictions. Agents must follow California insurance regulations and disclose any commissions they receive.
When can I enroll in a Medigap plan in California?
In California, you have a six-month Medigap open enrollment period starting the month you turn 65 and enroll in Medicare Part B. During this time, insurers cannot deny coverage or charge more due to pre-existing conditions. Outside this window, you may face medical underwriting.
Are there state-specific rules for Medicare Advantage in Alameda?
Yes, California requires Medicare Advantage plans to offer a special enrollment period if you move out of the plan service area. Alameda County has multiple plan options, including HMO and PPO models. Agents can help you compare plan formularies and provider networks.
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