The top-rated supplemental insurance agent in Germantown, Maryland is Miguel Malca - State Farm Insurance Agent, rated 5.0 stars across 875 reviews. Other highly rated options include Klinger Insurance Group, Jay Jarvis - State Farm Insurance Agent, Congressional Insurance Associates. This directory lists 14 supplemental insurance agents serving Germantown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Miguel Malca - State Farm Insurance Agent | 20410 Observation Dr #112 | (240) 654-0204 |
| 2 | Klinger Insurance Group | 19785 Crystal Rock Dr STE 301 | (301) 428-4935 |
| 3 | Jay Jarvis - State Farm Insurance Agent | 20030 Century Blvd Ste 202 | (301) 569-6454 |
| 4 | Congressional Insurance Associates | 20440 Century Blvd #110 | (240) 912-4150 |
| 5 | CF Alliance Insurance Services | 20300 Seneca Meadows Pkwy #205 | (301) 515-9015 |
| 6 | Sam Moinzadeh: Allstate Insurance | 19725 Executive Park Cir | (301) 916-9600 |
| 7 | Preferred Insurance Solutions | 20030 Century Blvd #201 | (301) 428-3344 |
| 8 | Schaefer & Delauder Insurance | 13208 Executive Park Terrace | (301) 428-0282 |
| 9 | Peak Insurance & Benefit Services, LLC | 13216 Executive Park Terrace | (240) 361-2699 |
| 10 | Insuranceproservicesllc | 12410 Milestone Center Dr Suite 600 | (301) 701-3802 |
Miguel Malca - State Farm Insurance Agent serves Germantown and the greater Montgomery County area, providing supplemental insurance coverage to local residents. This agency helps individuals close gaps in their primary health plans by offering policies that address unforeseen medical expenses. It focuses on protecting clients from financial strain during accidents or serious illnesses. The agent assists with supplemental plans that cover hospital stays and critical illness events, ensuring policyholders have additional financial support for recovery.
Klinger Insurance Group serves clients in Germantown, Maryland, by offering supplemental insurance policies that help cover gaps left by major medical plans. These policies often provide direct cash benefits for expenses such as deductibles, copays, and income loss during illness or recovery. The agency helps residents and business owners evaluate their existing coverage to identify suitable supplemental plans to meet their unique needs. Its services are available for single-family homes, apartments, retail establishments, and various restaurants in the region.
Jay Jarvis - State Farm Insurance Agent serves homeowners, businesses, and property managers in Germantown, Maryland, offering supplemental insurance policies that fill gaps not covered by standard plans. The agency provides options such as accident and critical illness coverage to help clients manage unexpected expenses. Residents and commercial operators choose plans that align with their individual risk profiles and financial needs. The agency also extends its services to the Gaithersburg and Rockville metro areas.
Congressional Insurance Associates serves clients in Germantown, Maryland, and the surrounding communities of Montgomery County. The agency handles supplemental insurance products, which are designed to cover out-of-pocket costs often left by standard health plans. These policies typically address expenses from accidents, critical illnesses, or hospital stays. To manage a typical job, the company meets with prospective clients to assess their existing coverage and financial gaps, then recommends appropriate supplemental plans to fill those specific needs.
Based in Germantown, MD, CF Alliance Insurance Services helps clients distinguish between one-time insurance needs and the recurring coverage that ongoing medical costs often require. Their work focuses on supplemental insurance policies, which address gaps left by primary health plans, such as deductibles or copayments. Service appointments are available to review current plans or discuss new options for specific life events. As an agent for supplemental insurance, the company operates on a scheduled basis, arranging meetings at times that suit each client’s availability.
Sam Moinzadeh: Allstate Insurance specializes in supplemental insurance plans designed to fill gaps in primary health coverage. The agency also provides general insurance services to help safeguard local residents' financial security. These supplemental policies offer additional protection for unforeseen medical expenses, critical illness, and accident-related costs. Located in Germantown, Maryland, the agency assists clients during open enrollment periods and when unexpected health events create new coverage needs.
As the seasons change and new health or life milestones arise in the Germantown area, residents often look to fill gaps in their primary insurance coverage. Preferred Insurance Solutions serves as a local supplemental insurance agent, helping clients select plans that address specific out-of-pocket or benefit limits. They work directly with individuals to explain options and policy features without pressuring immediate decisions. An initial consultation typically includes a personal needs assessment conducted in a relaxed office setting, allowing the agent to review current coverage details and recommend suitable supplemental plans.
Schaefer & Delauder Insurance provides general supplemental insurance services to residents and businesses in the Germantown, Maryland area. The agency’s work helps clients fill gaps left by standard health or life policies, offering focused add-on coverage. Policies are designed to manage out-of-pocket costs from accidents, critical illnesses, or hospital stays. This assistance creates financial stability during unexpected medical events. Commercial clients such as offices, warehouses, and food service operations turn to the agency to address their specific supplemental insurance needs.
Peak Insurance & Benefit Services, LLC primarily serves Germantown residents seeking supplemental coverage for gaps in their primary health plans. The agency also assists local commercial clients in the Germantown area with similar benefit offerings. Working alongside standard medical insurance, these supplemental policies help address out-of-pocket costs for accidents, critical illness, or hospital stays. Clients can rely on the agency for periodic policy reviews and updated plan options that arise between regularly scheduled annual appointments.
Insuranceproservicesllc in Germantown, MD, is known for helping local residents fill coverage gaps left by traditional health plans. Its supplemental insurance agents assist with policies that provide cash benefits for hospital stays, accidents, and critical illnesses. Households in the Germantown area rely on this agency to navigate their options for extra financial protection. In addition to basic gap coverage, this company can add on a short-term disability product for clients seeking income replacement during recovery periods.
What Does a a Supplemental Insurance Agent in Germantown Cost?
Supplemental insurance agent services in Germantown are typically free to consumers because agents earn commissions from insurance carriers. Medigap plan premiums in Maryland range from about $100 to $300 per month for a 65-year-old, depending on the plan type and insurer. Costs vary by age, health status, and plan selected. This is general information and not insurance advice.
About supplemental insurance agents in Germantown
Supplemental insurance agents in Germantown, Maryland help residents choose Medigap or Medicare Supplement plans to cover out-of-pocket costs not paid by Original Medicare. Maryland law provides a guaranteed issue period for Medigap plans when you first enroll in Medicare Part B. This local guidance ensures you understand your options under state regulations.
Frequently Asked Questions
What is a supplemental insurance agent in Germantown?
A supplemental insurance agent in Germantown helps you compare and enroll in Medicare Supplement plans. These plans are standardized by the federal government and sold by private insurers. The agent can explain how each plan works with Original Medicare.
When can I enroll in a Medigap plan in Maryland?
You have a six-month Medigap open enrollment period that starts when you are 65 or older and enrolled in Medicare Part B. During this time in Maryland, insurers cannot deny you coverage or charge higher premiums due to health conditions.
Are Medigap plans the same in Maryland as other states?
Medigap plans are standardized with the same letter designations nationwide, but premiums vary by insurer and location. In Maryland, insurers must offer Plan A and may offer other plans. Premiums are community-rated or issue-age rated depending on the company.
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