The top-rated supplemental insurance agent in Waterloo, Iowa is VGM Insurance Services, rated 5.0 stars across 225 reviews. Other highly rated options include Christel Manson - State Farm Insurance Agent, PDCM Insurance, Steve Hubbard - State Farm Insurance Agent. This directory lists 20 supplemental insurance agents serving Waterloo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | VGM Insurance Services | 1111 Van Miller Wy | (800) 362-3363 |
| 2 | Christel Manson - State Farm Insurance Agent | 1935 E Ridgeway Ave | (319) 232-6630 |
| 3 | PDCM Insurance | 3022 Airport Blvd | (319) 234-8888 |
| 4 | Steve Hubbard - State Farm Insurance Agent | 213 E San Marnan Dr | (319) 232-6585 |
| 5 | The Sinnott Agency | 622 W 4th St | (319) 233-6103 |
| 6 | Gallagher Insurance, Risk Management & Consulting | 2945 Airport Blvd | (319) 433-1098 |
| 7 | Farm Bureau Financial Services: Andrea McKenzie | 3315 W 4th St | (319) 348-3800 |
| 8 | Tjernagel Insurance | 2920 Falls Ave | (319) 235-6719 |
| 9 | Shelter Insurance - Jeff Gudenkauf | 3680 University Ave Ste B | (319) 235-8090 |
| 10 | Fish-Johnson Insurance Agency | 3265 W 4th St | (319) 233-3335 |
VGM Insurance Services in Waterloo, Iowa offers a full range of supplemental insurance agent services, including assistance with Medicare supplements, accident policies, and critical illness coverage. It maintains service plans to help clients review their existing policies annually and adjust coverage as needs change. The company helps ensure individuals and families can manage out-of-pocket medical costs more effectively. Its representative works with properties such as single-family homes, apartments, retail spaces, and restaurants in the local area.
Christel Manson - State Farm Insurance Agent serves Waterloo, Iowa, and the surrounding Black Hawk County communities, handling supplemental insurance coverage to fill gaps left by major medical plans. This agency works with clients to address needs such as accident recovery, critical illness expenses, and hospital indemnity costs not fully covered by primary insurance. The typical process begins with a personal consultation to review an individual’s existing coverage and identify specific vulnerabilities, then proceeds to recommend and help enroll in a suitable supplemental policy that complements their overall health care plan.
PDCM Insurance provides supplemental insurance services to residential clients in Waterloo, Iowa, helping to cover gaps left by primary health plans. Commercial coverage is also available for local businesses seeking additional protection for their employees. The company serves the greater Waterloo area, offering personalized support tailored to individual needs. After each policy enrollment or claim assistance session, they follow up to ensure client satisfaction and offer repeat service between regular visits, reinforcing ongoing care for existing customers.
Steve Hubbard - State Farm Insurance Agent in Waterloo, Iowa provides supplemental insurance coverage, including policies that fill gaps left by major medical plans. It also offers ongoing policy reviews and claims assistance to ensure clients understand their benefits. Seasonal changes often create new financial exposures, such as winter weather-related injuries requiring additional recovery support. The agency helps address these situations by helping clients access their accident or hospital indemnity benefits for out-of-pocket expenses that arise during seasonal events.
As spring flooding and derecho season approach in Waterloo, many residents look to protect their homes and incomes from unexpected gaps in basic coverage. The Sinnott Agency serves this need by providing supplemental insurance policies that help cover deductibles and out-of-pocket costs not addressed by standard health or property plans. Working with a range of insurers, the agency meets with clients individually to explain plan benefits and exclusions. To begin the enrollment process, a Sinnott representative conducts a straightforward needs assessment for each household.
Gallagher Insurance, Risk Management & Consulting serves residents of Waterloo, Iowa, with supplemental insurance policies designed to cover gaps left by major medical plans. The company also advises local businesses on commercial risk management strategies, helping them secure appropriate coverage for their operations. Clients throughout the Waterloo area benefit from personalized guidance when selecting plans that fit their specific needs. After an initial enrollment, the agency provides ongoing support and can adjust policies during regular check-ins, ensuring coverage remains suitable and facilitating follow-up service between scheduled visits.
Farm Bureau Financial Services: Andrea McKenzie provides supplemental insurance solutions for residents in Waterloo, Iowa, addressing gaps left by major medical plans. Commercial coverage is also available for local businesses seeking to protect their employees and operations. The service area extends throughout the Waterloo region, ensuring accessibility for clients requiring health, life, or disability policy guidance. In this growing community, the agent maintains long-term relationships by scheduling follow-up appointments between regular visits, ensuring policies are reviewed and adjusted
Tjernagel Insurance in Waterloo, Iowa assists individuals with planning for out-of-pocket medical costs not covered by primary health plans. The company specializes in supplemental insurance add-ons such as accident, critical illness, and hospital indemnity policies. These plans help clients manage deductibles, co-pays, and other unexpected expenses from a medical event. Tjernagel Insurance can provide coverage options for workers in commercial environments, including offices, warehouses, and food service operations.
Shelter Insurance - Jeff Gudenkauf serves the Waterloo, Iowa area as a Supplemental Insurance Agent. This agency provides policies that help cover expenses typically not addressed by standard health plans, such as accident recovery costs or income loss during illness. Clients in the metro region can obtain additional financial protection against unforeseen medical gaps. The office specifically handles supplemental health plans and critical illness coverage to support local residents.
What Does a a Supplemental Insurance Agent in Waterloo Cost?
Costs for supplemental insurance in Iowa vary by plan type, age, and health status. Medigap Plan G premiums for a 65-year-old in Waterloo typically range from $120 to $200 per month. Cancer and accident plans may cost $30 to $80 per month. Rates can increase over time due to inflation and claims experience. This is general information, not insurance advice.
About supplemental insurance agents in Waterloo
Supplemental insurance agents in Waterloo, Iowa help residents find policies that cover gaps in primary health insurance. These plans include Medicare Supplement (Medigap) and specified disease policies. Iowa law requires Medigap policies to meet federal standards and allows a 30-day free look period for new enrollees.
Frequently Asked Questions
What is a supplemental insurance agent in Waterloo?
A supplemental insurance agent is a licensed professional who sells policies that pay benefits for expenses not covered by major medical insurance. In Waterloo, these agents often specialize in Medicare Supplement, cancer, and accident plans.
When can I enroll in a Medigap plan in Iowa?
You have a six-month Medigap open enrollment period that starts when you are 65 and enrolled in Medicare Part B. During this time, insurers cannot deny you coverage or charge higher premiums due to health conditions.
Are supplemental insurance premiums tax deductible in Iowa?
Premiums for supplemental insurance are generally not deductible as medical expenses unless you itemize deductions on your federal return. Iowa follows federal rules for medical expense deductions, so check with a tax professional.
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