The top-rated supplemental insurance agent in Hilo, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 344 reviews. Other highly rated options include Iris Kuwaye - State Farm Insurance Agent, Premier Benefit Consultants, Pyramid Insurance - Hilo. This directory lists 19 supplemental insurance agents serving Hilo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 680 Manono St | (808) 969-7767 |
| 2 | Iris Kuwaye - State Farm Insurance Agent | 9 Lei St | (808) 935-3375 |
| 3 | Premier Benefit Consultants | 1437 Kilauea Ave Ste. 204 | (808) 731-3700 |
| 4 | Pyramid Insurance - Hilo | 48 Kamana St Suite #103 | (808) 969-7174 |
| 5 | Ohana Health Plan | 88 Kanoelehua Ave a105 | (888) 846-4262 |
| 6 | Fast Insurance Agency HI | 218 Kamehameha Ave | (808) 645-4364 |
| 7 | Mind Insurance HI | 344 Kilauea Ave | (808) 646-3602 |
| 8 | Aloha Care | 234 Waianuenue Ave suite 105 | (808) 400-7299 |
| 9 | Business Insurance Services Inc | 1080 Kilauea Ave | (808) 935-1888 |
| 10 | Hawaiian Islands Insurance, Inc. | 166 Kamehameha Ave #8 | (808) 933-3000 |
Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo area and the broader Hawaii County as a supplemental insurance agent. The agency helps clients address gaps in their existing health coverage by offering policies designed to pay for out-of-pocket expenses. These supplementary plans can provide financial protection for individuals and families facing medical events. The firm specifically handles cancer insurance policies and hospital indemnity plans in this region.
Iris Kuwaye - State Farm Insurance Agent serves clients in Hilo, Hawaii by offering a range of supplemental insurance products, including policies that help cover gaps left by major medical plans. The agency assists with selecting and maintaining coverage plans tailored to individual needs, providing ongoing support for policy adjustments and claims. It regularly reviews existing policies to ensure clients' coverage evolves with their changing circumstances. The company services properties such as single-family homes, apartments, retail, and restaurants.
Homeowners, renters, and small business owners in Hilo turn to Premier Benefit Consultants for supplemental insurance products that help cover gaps left by primary health or property policies. The agency assists clients in understanding and selecting plans tailored to individual needs, including accident, critical illness, and hospital indemnity coverage. Its services extend to businesses seeking group supplemental options for employees. Premier Benefit Consultants also serves clients throughout the broader Hawaii County area, including communities such as Pāhoa and Kurtistown.
Pyramid Insurance - Hilo serves the Hilo area and surrounding communities on the Big Island, handling supplemental insurance policies that help cover gaps left by primary medical plans. These policies address costs such as copays, deductibles, and other out-of-pocket expenses not covered by Medicare or standard health insurance. The agency reviews each client’s existing coverage before recommending a plan to fill specific financial shortfalls. It follows a straightforward process of explaining benefit options clearly and allowing clients to choose the right level of additional protection.
Ohana Health Plan in Hilo, HI, distinguishes between one-time policy enrollment and recurring service visits for claim assistance, while specializing in supplemental insurance coverage that helps fill gaps left by major medical plans. As a supplemental insurance agent, the company focuses on helping local residents manage out-of-pocket expenses and deductibles through tailored plan discussions. Services at this agency operate on a scheduled or as-needed basis, with regular reviews offered to adjust coverage as client needs evolve.
As a supplemental insurance agent, Fast Insurance Agency HI in Hilo, Hawaii, specializes in offering policies that fill coverage gaps left by major medical plans. Its general service work focuses on helping local residents choose affordable plans for specific needs like accidents or hospital stays. The agency assists with understanding benefits such as cash payouts for unexpected medical events. For residents in Hilo, this support can be especially valuable during storm season, when unpredictable weather may lead to injuries or treatment needs that require immediate financial assistance.
Mind Insurance HI handles local supplemental insurance needs in Hilo, offering policies designed to fill coverage gaps left by standard health plans. Their specialty includes adding critical illness protection and accident coverage. Working with individuals and small business owners, they help match optional policies to various work environments. Commercial sectors served include offices, warehouses, and food service operations.
Aloha Care serves residential clients in Hilo, helping them navigate supplemental insurance options to cover gaps in primary health plans. The agency also offers commercial coverage for small businesses seeking additional protection for their employees. Their service area encompasses Hilo and the surrounding Hawaii County communities. Licensed agents provide clear explanations of policy benefits during initial consultations, and they follow up with clients between regular visits to adjust coverage as needs change.
When a Kona wind scorches a Hilo home or a surprise storm floods a neighborhood, many residents realize their major-medical plan leaves gaps that can strain a household budget. Business Insurance Services Inc helps local families and individuals explore supplemental insurance options designed to cover deductibles, co-pays, and other out-of-pocket expenses not covered by primary health coverage. An agent begins each new relationship with a free, no-obligation review of the client’s current policies and personal coverage needs.
Hawaiian Islands Insurance, Inc. is known for connecting local residents in Hilo with supplemental insurance policies designed to cover gaps in primary health coverage. Its service range includes helping clients evaluate Medicare supplement plans and accident or critical illness insurance options. These policies can help manage out-of-pocket expenses not covered by standard plans. A specialty service this company can add on is a short-term hospitalization benefit that provides a daily cash payment during a hospital stay.
What Does a a Supplemental Insurance Agent in Hilo Cost?
Supplemental insurance agent costs in Hilo are generally paid through commissions from the insurance company so you do not pay a separate fee. Medigap Plan G premiums for a 65 year old non smoker in Hawaii typically range from 130 to 250 dollars per month. Long term care insurance premiums vary widely from 150 to 400 dollars per month based on age benefit amount and health status. This is general information and not insurance advice.
About supplemental insurance agents in Hilo
Supplemental insurance agents in Hilo help residents fill gaps in their primary health coverage. Hawaii state law requires all Medigap policies to follow federal guidelines and offer guaranteed issue rights in certain situations. Local agents can explain how Hawaii’s Prepaid Health Care Act interacts with supplemental plans.
Frequently Asked Questions
What is a supplemental insurance agent in Hilo?
A licensed professional who helps you buy policies that cover costs not paid by your main health plan. They work with companies offering Medigap accident or critical illness coverage.
When can I enroll in a Medigap plan in Hawaii?
You have a six month open enrollment period starting the month 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 Hawaii laws affect supplemental insurance costs?
Yes. Hawaii requires all individual health plans to cover certain benefits which can influence supplemental policy pricing. Premiums for Medigap in Hilo typically range from 100 to 300 dollars per month depending on age and plan type.