The top-rated supplemental insurance agent in Amherst, New York is Elmwood Agency, rated 5.0 stars across 395 reviews. Other highly rated options include Jacob Czaja - State Farm Insurance Agent, Butterson Agency, Inc, Donald L. Houck Agency, Inc.. This directory lists 11 supplemental insurance agents serving Amherst.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elmwood Agency | 90 Bryant Woods S #100 | (716) 206-3706 |
| 2 | Jacob Czaja - State Farm Insurance Agent | 3555 Sheridan Dr Ste 3557 | (716) 688-5700 |
| 3 | Butterson Agency, Inc | 586 N French Rd # 4 | (716) 636-8815 |
| 4 | Donald L. Houck Agency, Inc. | 1940 Eggert Rd | (716) 835-2525 |
| 5 | Gallagher Insurance, Risk Management & Consulting | 90A John Muir Dr | (716) 688-5600 |
| 6 | Arrow Insurance LLC | 3622-3636 Sheridan Dr | (716) 351-4481 |
| 7 | Starlight Insurance NY | 656 Millersport Hwy | (716) 344-8529 |
| 8 | Gimeli Hanna Insurance Agency | 215 Kings Hwy | (716) 998-8479 |
| 9 | Dave Mcmahon Insurance Agency | 4476 Main Rd Suite 113 | (716) 832-0003 |
| 10 | Meritain Health Inc | 300 Corporate Pkwy # 100S | (716) 319-5500 |
Elmwood Agency serves the Amherst, New York area as a local supplemental insurance agent. It helps clients fill gaps in their primary health coverage with focused products. Supplemental insurance policies can assist with out-of-pocket medical costs not covered by major medical plans. These plans often provide cash benefits directly to the policyholder for expenses like deductibles or copays. In this area, Elmwood Agency works with clients to secure coverage for accident and critical illness needs. It also handles applications for hospital indemnity plans.
Jacob Czaja - State Farm Insurance Agent in Amherst, NY offers a range of supplemental insurance services designed to fill gaps left by primary health coverage. Its service approach includes helping local clients select and manage plans for unexpected medical expenses, accident recovery, or critical illness needs. Maintenance involves regular policy reviews to ensure coverage adapts to changing health circumstances. The agency primarily serves individuals associated with single-family homes, apartment communities, retail businesses, and dining establishments across the greater Amherst area.
Butterson Agency, Inc. serves families and individuals in Amherst, New York, who are seeking supplemental insurance coverage for life’s unexpected expenses. They assist clients in finding policies that help fill gaps left by primary health or accident plans, offering guidance on tailored options for specific needs. Their work focuses on simplifying the selection process for local residents. The agency also extends its supplemental insurance agent services to the surrounding communities of Williamsville and the Buffalo metro area.
Serving Amherst, NY, and the surrounding communities of Erie County, Donald L. Houck Agency, Inc. specializes in supplemental insurance solutions. The agency handles products designed to fill gaps left by major medical plans, including policies for accident and critical illness coverage. Each client’s specific needs and existing coverage are carefully reviewed to identify where extra protection may be beneficial. The typical engagement involves a thorough discussion of current benefits, followed by a tailored plan recommendation that closes the coverage gap.
This local supplemental insurance agent offers both one-time policy reviews and ongoing service plans, helping clients address gaps in their primary health or life coverage. Such agents regularly evaluate a client’s changing needs for plans like accident, critical illness, or hospital indemnity insurance. Based in Amherst, NY, the firm provides guidance through enrollment and claims navigation. Service runs on an as-needed basis, with clients scheduling visits or phone consultations when coverage adjustments are required.
As the colder months approach in Amherst, many residents review their existing health coverage for gaps. Arrow Insurance LLC helps local individuals navigate these options by offering supplemental insurance plans that can cover out-of-pocket costs not included in primary policies. The team works with clients to understand Medicare gaps or the need for additional accident and hospital coverage. A typical first step involves a no-obligation review of the client’s current benefits and a discussion of available plan choices during an initial in-person or phone assessment.
Starlight Insurance NY provides supplemental insurance services to residents in Amherst. For commercial clients, the agency also offers comparable coverage solutions throughout the Erie County area. Clients can explore options that help fill gaps left by major medical plans, such as policies for accidents or critical illness. The agency maintains consistent contact with policyholders, ensuring they understand their benefits and can schedule follow-up appointments between the regular annual review visits.
Gimeli Hanna Insurance Agency in Amherst, NY, is known for guiding clients through supplemental insurance options that bridge gaps left by primary health plans. The team helps local residents secure coverage for unexpected medical costs, accident-related expenses, and critical illness treatments. They also assist with plans that provide fixed cash benefits directly to policyholders. Medicare supplement policies and cancer insurance are available to address specific needs. Finally, the agency specializes in adding hospital indemnity coverage for daily inpatient stays.
Dave Mcmahon Insurance Agency specializes in supplemental insurance policies that fill gaps in standard health coverage for residents of Amherst, NY. It works closely with clients to explain and customize plans for hospital indemnity, critical illness, and accident protection needs. The agency guides individuals through the complexities of Medicare supplements and dental coverage options. Each year during the annual open enrollment period, it helps local seniors evaluate their changing prescription drug costs and adjust their plans accordingly.
Meritain Health Inc in Amherst, NY connects individuals and businesses with supplemental insurance options. It specializes in policies that fill coverage gaps left by major medical plans. The company assists clients in selecting plans for critical illness, accident recovery, and hospital indemnity. These add-ons help manage out-of-pocket costs during unexpected health events. Meritain Health Inc serves commercial sectors including offices, warehouses, and food service establishments seeking tailored employee benefits.
What Does a a Supplemental Insurance Agent in Amherst Cost?
Typical costs for a Medigap Plan G in Amherst New York range from 150 to 300 dollars per month for a 65-year-old. Plan N premiums are often 20 to 50 dollars lower. Rates vary by insurer age and location. New York does not allow insurers to use age or health to increase premiums after purchase. This is general information and not insurance advice.
About supplemental insurance agents in Amherst
Supplemental insurance agents in Amherst New York help residents fill gaps in Medicare and other health coverage. New York state law guarantees a six-month Medigap open enrollment period starting when you turn 65 and enroll in Medicare Part B. Local agents can explain options like Plan G and Plan N that comply with New York regulations.
Frequently Asked Questions
What is a supplemental insurance agent in Amherst?
A supplemental insurance agent in Amherst is a licensed professional who sells Medigap and other secondary health plans. They help you compare policies that cover costs not paid by Original Medicare, such as deductibles and coinsurance.
When can I enroll in a Medigap plan in New York?
In New York you have a guaranteed issue right to buy a Medigap plan during the six-month open enrollment period that starts when you are 65 and enrolled in Medicare Part B. Outside this window you may face medical underwriting unless you qualify for a special enrollment period.
Are there New York rules for supplemental insurance plans?
Yes New York requires all Medigap plans to be standardized as Plan A through Plan N. Insurers cannot deny coverage or charge higher premiums based on health status during the open enrollment period. New York also allows you to switch Medigap plans within 30 days of purchase without penalty.
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