The top-rated supplemental insurance agent in Palo Alto, California is ERGO NEXT (NEXT Insurance), rated 4.5 stars across 960 reviews. Other highly rated options include Candice Kistner - State Farm Insurance Agent, WHINS Insurance Agency, Farmers Insurance - Jay Schmidt. This directory lists 15 supplemental insurance agents serving Palo Alto.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | ERGO NEXT (NEXT Insurance) | 975 California Ave | (855) 222-5919 |
| 2 | Candice Kistner - State Farm Insurance Agent | 576 Cambridge Ave | (650) 424-1100 |
| 3 | WHINS Insurance Agency | 300 Hamilton Ave #1002 | (650) 899-1115 |
| 4 | Farmers Insurance - Jay Schmidt | 459 Hamilton Ave UNIT 207 | (650) 329-8711 |
| 5 | Allstate Insurance Agent Harold Lorber | 467 Hamilton Ave #11 | (650) 322-5191 |
| 6 | Helix Ventures | 550 Waverley St | (213) 652-4442 |
| 7 | Amanda Martin - State Farm Insurance Agent | Charleston Shopping Center, 3968 Middlefield Rd | (650) 494-1404 |
| 8 | Dworkin Insurance Services | 624 University Ave #203 | (650) 329-1330 |
| 9 | Insurance by Lee Aldinger Insurance | 460 California Ave Suite #203 | (650) 326-3350 |
| 10 | Marketside Insurance Services | 4083 Transport St | (650) 858-1123 |
ERGO NEXT, serving Palo Alto and Santa Clara County, operates as a supplemental insurance agent. The company helps residents bridge gaps in their primary health coverage by offering policies that address specific medical costs. These plans provide financial support for expenses like deductibles, copays, and hospital stays. A representative can explain options such as accident insurance and critical illness coverage tailored to individual needs. The agency also assists clients with dental and vision supplemental policies.
Candice Kistner - State Farm Insurance Agent in Palo Alto provides supplemental insurance policies that cover gaps left by major medical plans. The agency offers support for plan selection and claims assistance to help clients manage out-of-pocket costs. Their services include helping customers understand policy terms and coordinating routine policy reviews to adjust coverage as needs change. Candice Kistner - State Farm Insurance Agent serves single-family homes, apartments, retail establishments, and restaurants in the local area.
Residents and small-business owners in Palo Alto often require financial protection against income loss from illness or injury, and this agency focuses on that type of coverage. As a supplemental insurance agent, WHINS Insurance Agency counsels clients on policies that provide cash benefits directly to the policyholder, which can help bridge expenses not covered by major medical plans. Policies such as accident, critical illness, or hospital indemnity are explained with the client’s specific situation in mind. The agency also serves customers throughout neighboring Menlo Park.
Farmers Insurance - Jay Schmidt serves Palo Alto, California, and the surrounding communities of the San Francisco Peninsula. As a supplemental insurance agent, the company helps clients fill gaps in their primary health or life coverage with policies designed for unexpected medical costs or income loss. They typically begin each engagement by reviewing a client’s current benefits to identify specific coverage gaps, then recommend suitable supplemental plans from their portfolio of offerings.
For customers exploring supplemental insurance, the key distinction is between individual one-time policies that address a specific gap and recurring plan options that renew terms as needs evolve. Allstate Insurance Agent Harold Lorber in Palo Alto provides coverage that helps fill gaps in primary health, accident, or life policies. These plans offer financial support for deductibles or unexpected medical events not fully covered by major medical insurance. Assistance is available on a one-time or as-needed basis, allowing clients to select a single policy review schedule.
As residents of Palo Alto begin planning for the new policy year, Helix Ventures helps local households evaluate their existing health coverage for potential gaps in deductibles or copays. The supplemental insurance agent works primarily with Medicare beneficiaries and individuals seeking secondary plans for critical illness or hospital stays common in the Silicon Valley area. Initial meetings typically start with a complimentary review of the client's current benefits to determine what supplemental options might serve them best.
Amanda Martin, operating as a State Farm Insurance Agent in Palo Alto, California, specializes in offering supplemental insurance policies designed to cover gaps in primary health or life coverage. The agency provides general services including personalized consultations and policy management for existing clients. Local residents often seek these supplemental plans to address financial exposures from accidents or critical illnesses not fully covered by standard insurance. The agency particularly assists clients in preparing for the seasonal rise in outdoor activities and associated injury risks during the summer months.
Dworkin Insurance Services provides supplemental insurance coverage for individuals and businesses in Palo Alto, CA. These specialty add-on policies address gaps left by standard health or life plans, offering financial support for unexpected medical costs or income loss. The company works with diverse commercial sectors, including professional offices requiring disability protections, warehouses needing accident coverage for staff, and food service establishments seeking supplemental health options for their employees.
Based in Palo Alto, CA, Insurance by Lee Aldinger Insurance provides supplemental insurance for residential clients, helping cover gaps left by primary health plans. The agency also serves commercial clients in the local area, tailoring policies to business needs. These supplemental offerings provide financial protection for unexpected medical events. After an initial claim is handled, the company follows up directly with clients to ensure satisfaction and coordinates ongoing coverage needs between their regular visits to the office.
What Does a a Supplemental Insurance Agent in Palo Alto Cost?
Costs for supplemental insurance in California vary widely by plan type and your age. For a Medicare Supplement Plan G, monthly premiums in Palo Alto typically range from $120 to $250 for a 65-year-old. Short-term health plans may cost $200 to $500 per month. Agent commissions are usually paid by the insurance company, so you do not pay extra for their help. This is general information, not insurance advice.
About supplemental insurance agents in Palo Alto
Supplemental insurance agents in Palo Alto help residents fill gaps in their primary health coverage. Under California law, agents must be licensed by the California Department of Insurance and follow strict disclosure rules. Many local agents specialize in Medicare Supplement plans and short-term health policies for the Silicon Valley workforce.
Frequently Asked Questions
What is a supplemental insurance agent in Palo Alto?
A supplemental insurance agent is a licensed professional who helps you buy policies that cover costs not paid by your main health plan. In California, agents must pass a state exam and complete continuing education every two years.
What types of supplemental insurance are common in California?
Common types include Medicare Supplement (Medigap), dental, vision, accident, and critical illness plans. California law requires Medigap policies to be guaranteed renewable, meaning the insurer cannot cancel your coverage as long as you pay premiums.
How do I choose a supplemental insurance agent in Palo Alto?
Look for an agent with a valid California license and experience with your specific needs. You can verify an agents license on the California Department of Insurance website. Ask about their knowledge of local health systems like Stanford Health Care.
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