The top-rated supplemental insurance agent in Saratoga, California is Sara Berg: Allstate Insurance, rated 4.9 stars across 31 reviews. Other highly rated options include Phil Mills - State Farm Insurance Agent, Donald Wilson - State Farm Insurance Agent, Greg Pond - State Farm Insurance Agent. This directory lists 12 supplemental insurance agents serving Saratoga.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sara Berg: Allstate Insurance | 14375 Saratoga Ave Ste 106 | (408) 741-0585 |
| 2 | Phil Mills - State Farm Insurance Agent | 14500 Big Basin Wy d | (408) 354-5250 |
| 3 | Donald Wilson - State Farm Insurance Agent | 12299 Saratoga Sunnyvale Rd Ste A | (408) 257-8700 |
| 4 | Greg Pond - State Farm Insurance Agent | 14500 Big Basin Wy d | (408) 358-0200 |
| 5 | Pat Richard Insurance Agency | 14540 Big Basin Wy | (408) 867-1771 |
| 6 | Cory McElwee - State Farm Insurance Agent | 12299 Saratoga Sunnyvale Rd Ste A | (408) 861-1550 |
| 7 | Farmers Insurance - Chuck Page | 14462 Big Basin Wy | (408) 356-0427 |
| 8 | Village Insurance Services | 12280 Saratoga Sunnyvale Rd STE 112 | (408) 973-0800 |
| 9 | J.D. Van Nest & Associates | 18943 Sara Park Cir | (408) 725-8777 |
| 10 | O'Connor Insurance Agency | 18809 Cox Ave #260 | (408) 877-0000 |
Sara Berg: Allstate Insurance serves the Saratoga, California area as a supplemental insurance agency. It offers policies designed to fill gaps left by major medical plans. Local clients can consult the agency about managing out-of-pocket costs from accidents or illnesses. The agency addresses specific coverage needs for individuals and small businesses in the region. It provides guidance on critical illness insurance and accident protection plans in the local community.
Phil Mills - State Farm Insurance Agent in Saratoga, CA serves local homeowners, renters, and small business owners seeking supplemental insurance solutions to cover gaps in their primary policies. The agency assists clients in understanding how accident, critical illness, and hospital indemnity plans can provide financial support during unexpected medical events. Each customer receives personalized guidance to select coverage that aligns with their specific needs and budget. The agency also extends its services to residents and property owners in the nearby Los Gatos area.
Donald Wilson - State Farm Insurance Agent in Saratoga, CA provides supplemental insurance coverages designed to complement a client’s existing health or life policies. Service offerings include personalized plan reviews that help ensure policy benefits align with changing needs. Regular maintenance consultations clarify how supplemental options can address gaps in coverage during major life events. The company assists with claims support and policy adjustments as circumstances evolve. It services single-family homes, apartments, retail establishments, and restaurants.
Greg Pond - State Farm Insurance Agent serves the Saratoga, California area and surrounding communities, handling supplemental insurance policies. These clients typically seek options to cover gaps in primary health plans, such as accident or disability income protection. The agency guides individuals through selecting appropriate coverage that aligns with their existing benefits and personal needs. Every engagement begins with a detailed review of the client’s current situation to identify potential coverage shortfalls and recommend fitting solutions accordingly.
Pat Richard Insurance Agency in Saratoga, CA, distinguishes between initial one-time policy enrollments and ongoing service by offering clients a choice of one-time policy setup or recurring plan reviews. Coverage addresses gaps left by major medical plans, helping with out-of-pocket costs. Operating strictly on a scheduled basis, the agency contacts clients for regular policy check-ins to ensure coverage remains suitable as needs change. Service runs on a scheduled basis with periodic reviews rather than one-time or as-needed drop-in appointments.
Cory McElwee - State Farm Insurance Agent in Saratoga, CA specializes in supplemental insurance policies that cover gaps left by primary health plans. The agency also serves the local community with general insurance guidance and policy management. It helps clients address unexpected medical expenses and out-of-pocket costs from hospital stays or surgeries. During open enrollment periods or after a major life change like a new job, the office clarifies which supplemental options may apply to a resident’s changing coverage situation.
As the seasons change in Saratoga, families often reassess their financial safety nets, particularly around health and income protection. Farmers Insurance - Chuck Page provides supplemental insurance options designed to fill gaps left by standard health plans. These policies can help cover deductibles, copays, or lost wages during recovery. The agent works with local residents to identify specific coverage needs, explaining how different plans may coordinate with existing benefits. Each process begins with a thorough review of the client’s current situation and a personalized no-obligation initial assessment at the office or in-home.
Village Insurance Services guides clients through the complexities of supplemental insurance, addressing gaps not covered by standard plans. Based in Saratoga, CA, the agency focuses on offering tailored add-on policies that help manage out-of-pocket costs and unexpected health events. These supplemental coverages are designed to complement existing medical or dental benefits. The agency serves a range of professionals, including those working in local offices, warehouses, and the food service industry, providing adaptable insurance solutions for diverse business environments.
J.D. Van Nest & Associates serves residents in Saratoga, California, focusing on supplemental insurance coverage that fills gaps in standard health plans. The agency also assists local businesses with commercial policies to protect their operations and employees. Covering Saratoga and the surrounding region, this firm helps clients navigate Medicare supplements, hospital indemnity, and accident insurance options. After an initial consultation, representatives provide follow-up support, addressing any claim questions or policy adjustments that arise between regular review visits.
O'Connor Insurance Agency in Saratoga, CA, is known for helping individuals and families find supplemental insurance coverage that fills gaps in their primary health plans. The agency assists clients in this area with options designed to manage out-of-pocket medical expenses and provide financial protection during unexpected health events. A particular focus includes offering hospital indemnity plans that pay a fixed cash benefit directly to the policyholder upon admission or for specified treatments.
What Does a a Supplemental Insurance Agent in Saratoga Cost?
Supplemental insurance plan costs in Saratoga vary by age, gender, and plan type. Medigap Plan G premiums typically range from $120 to $250 per month for a 65-year-old. Medicare Advantage plans often have $0 monthly premiums but may include copays and deductibles. This is general information, not insurance advice.
About supplemental insurance agents in Saratoga
Supplemental insurance agents in Saratoga, California help residents choose Medigap or Medicare Advantage plans that cover costs not paid by Original Medicare. Under California law, seniors have a guaranteed issue right to buy a Medigap policy during the first six months of enrolling in Medicare Part B. Local agents can explain how state-specific rules like the birthday rule for Medigap apply in Santa Clara County.
Frequently Asked Questions
What does a supplemental insurance agent in Saratoga do?
A supplemental insurance agent helps you compare and enroll in Medicare Supplement plans, Medicare Advantage plans, or other gap coverage. They explain plan benefits, premiums, and how California rules affect your options.
Is there a time limit to buy Medigap in California?
Yes, you have a six-month open enrollment period starting when you turn 65 and enroll in Medicare Part B. During this time, insurers cannot deny you coverage or charge higher premiums due to health conditions.
Do California agents have to be licensed?
Yes, all insurance agents in California must hold a valid license from the California Department of Insurance. You can verify an agents license on the CDI website before working with them.
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