The top-rated supplemental insurance agent in Salem, New Hampshire is Dave Newman - State Farm Insurance Agent, rated 4.9 stars across 92 reviews. Other highly rated options include Mary Logue: Allstate Insurance, Ed Ibanez - State Farm Insurance Agent, Chibu Chikere. This directory lists 13 supplemental insurance agents serving Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dave Newman - State Farm Insurance Agent | 220 N Broadway | (603) 893-5200 |
| 2 | Mary Logue: Allstate Insurance | 55 S Broadway | (603) 893-0980 |
| 3 | Ed Ibanez - State Farm Insurance Agent | 264 N Broadway Unit 204 Ste B | (603) 212-7034 |
| 4 | Chibu Chikere | 294 N Broadway ste c | (978) 248-8787 |
| 5 | AAA Salem | 489 S Broadway | (603) 898-9953 |
| 6 | Santo Insurance & Financial Services, Inc. | 224 Main St Ste 2a | (603) 890-6439 |
| 7 | Gold Lion Insurance Agency | 403 Main St #208 | (603) 458-6878 |
| 8 | HealthMarkets Insurance - Chris Martin | 294 N Broadway | (603) 560-5486 |
| 9 | Insurance Express | 221 N Broadway | (617) 906-7000 |
| 10 | HealthMarkets | 294 N Broadway ste c | (603) 952-4015 |
Dave Newman - State Farm Insurance Agent in Salem, NH, provides a range of supplemental insurance services, including life, health, and disability policies designed to cover gaps left by primary health coverage. The agency offers ongoing policy reviews and claims assistance to help clients adjust their plans as personal circumstances change. These service plans ensure that individuals and families maintain appropriate levels of coverage over time. The agency serves homeowners in single-family residences, apartment dwellers, and businesses in the retail and restaurant sectors.
Mary Logue: Allstate Insurance serves Salem, New Hampshire, and the surrounding area as a supplemental insurance agent. The agency helps individuals add additional coverage to their existing health or life insurance policies. Supplemental insurance can provide financial support for out-of-pocket medical expenses not covered by primary plans. This type of coverage may also include accident or critical illness policies that offer lump-sum benefits. The agency handles Medicare supplement plans to assist with hospital and doctor costs. It also provides hospital indemnity insurance for direct cash payments during a covered stay.
Ed Ibanez - State Farm Insurance Agent in Salem, New Hampshire connects individuals and families with general insurance policies to protect their homes, vehicles, and personal assets. Supplemental Insurance Agent services are available to fill coverage gaps that standard plans often leave open, such as for accidents, critical illnesses, or hospital stays. This local agency can assess coverage needs for commercial clients, including offices, warehouses, and food service operations requiring tailored protection.
Chibu Chikere serves the Salem, New Hampshire area and surrounding communities, handling supplemental insurance plans that help cover costs traditional health policies may leave behind. These gap-filling policies often address deductibles, copayments, or critical illness expenses. The company educates clients on how such coverage integrates with existing benefits, ensuring transparency about policy limits and exclusions. It takes a consultative approach, reviewing individual needs to recommend suitable options without pressuring a sale.
AAA Salem serves homeowners, property managers, and local businesses in Salem, New Hampshire, by offering supplemental insurance policies that help cover gaps left by standard health and property plans. These niche products provide additional financial protection for deductibles, co-pays, and unexpected medical or property-related expenses. The agency works with clients to identify appropriate coverage options tailored to individual needs and budgets. It also extends its services to residents and businesses in the neighboring Derry area and throughout the greater Rockingham County region.
Santo Insurance & Financial Services, Inc. in Salem, NH helps clients understand the difference between short-term fixes and long-term coverage that fills gaps in major medical plans. Supplemental insurance agents typically offer policies for accidents, critical illness, or hospital stays to reduce out-of-pocket expenses. These products provide added financial protection for unexpected health events. Service for new policies and ongoing account adjustments is available on an as-needed basis, allowing clients to request appointments or coverage changes when required throughout the year.
As winter weather in Salem, NH, often brings unexpected health events, residents commonly seek coverage beyond standard medical plans. Gold Lion Insurance Agency focuses on filling these gaps by specializing in supplemental insurance policies. They offer residents options for accident, hospital indemnity, or critical illness coverage to help manage out-of-pocket costs. Understanding each client’s current policy and personal risk is their priority. To begin, they schedule a personal consultation to review the client's existing benefits and identify specific coverage needs in their Salem office.
HealthMarkets Insurance - Chris Martin is a supplemental insurance agent serving Salem, New Hampshire. The company works with individuals to explore additional coverage options that fill gaps in primary health plans, such as accident or critical illness policies. It focuses on providing tailored solutions for short-term needs or specific medical events. Commercial sectors it can serve include small offices, warehouses, and food service establishments.
Insurance Express offers supplemental insurance policies designed to cover gaps left by primary health plans, including accident, critical illness, and hospital indemnity coverage. The agency serves individuals and families throughout Salem, New Hampshire, helping them evaluate their existing benefits and select targeted protection for unexpected medical costs. Their advisors assist clients in understanding plan options and navigating enrollment processes without requiring a complete overhaul of current coverage. As colder weather approaches, the agency guides residents in preparing for the higher risk of seasonal flu complications and winter-related injuries.
HealthMarkets provides supplemental insurance services to residents in their Salem, New Hampshire homes, addressing gaps not covered by primary health plans. The agency also offers tailored commercial coverage options for local business owners needing volunteer benefits or accident policies throughout the Salem area. Their professional agents explain various product features in clear, straightforward terms during the initial appointment. After enrollment, the agency maintains contact with policyholders to review coverage needs and process any necessary adjustments or claims between regular scheduled visits.
What Does a a Supplemental Insurance Agent in Salem Cost?
Costs for supplemental insurance in Salem vary by plan type, age, and health status. Medigap Plan G premiums typically range from $120 to $250 per month for a 65-year-old. Cancer or accident plans often cost $30 to $80 per month. New Hampshire does not set fixed rates, so compare quotes from multiple agents. This is general information, not insurance advice.
About supplemental insurance agents in Salem
Supplemental insurance agents in Salem, New Hampshire help residents fill gaps in primary health coverage with plans like Medigap, cancer, and accident insurance. New Hampshire law requires Medigap policies to follow federal standards and allows a 30-day free look period for policy changes. Local agents can explain how these plans coordinate with your existing health insurance.
Frequently Asked Questions
What is a supplemental insurance agent in Salem?
A supplemental insurance agent helps you buy policies that cover costs not paid by your main health plan, such as deductibles or copays. In Salem, these agents often sell Medigap, hospital indemnity, and critical illness plans. They must be licensed by the New Hampshire Insurance Department.
When can I buy a Medigap policy in New Hampshire?
You can buy a Medigap policy during your six-month open enrollment period starting when you are 65 and enrolled in Medicare Part B. Outside this period, insurers may use medical underwriting. New Hampshire law also gives you a 30-day free look to cancel for a full refund.
Are supplemental insurance plans regulated in New Hampshire?
Yes, the New Hampshire Insurance Department oversees all supplemental insurance products. Medigap policies must follow federal and state rules, including standardized plan designs. Other plans like accident or cancer insurance are also regulated to ensure fair marketing and claims handling.
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