The top-rated supplemental insurance agent in Niagara Falls, New York is Allison Crowley - State Farm Insurance Agent, rated 4.9 stars across 296 reviews. Other highly rated options include Laura Capizzi - State Farm Insurance Agent, Keller Insurance, Stephanie Neal - State Farm Insurance Agent. This directory lists 14 supplemental insurance agents serving Niagara Falls.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Allison Crowley - State Farm Insurance Agent | 6928 Williams Rd Suite 3 | (716) 283-9100 |
| 2 | Laura Capizzi - State Farm Insurance Agent | 2768 Niagara Falls Blvd | (716) 694-3404 |
| 3 | Keller Insurance | 2706 Pine Ave | (716) 395-7006 |
| 4 | Stephanie Neal - State Farm Insurance Agent | 2908 Military Rd | (716) 297-5566 |
| 5 | Willoughby Insurance | 2244 Pine Ave | (716) 285-5088 |
| 6 | Andrew Clemen: Allstate Insurance | 10065 Niagara Falls Blvd Suite 1 | (716) 692-7405 |
| 7 | Joel Holka Insurance | 8575 Niagara Falls Blvd | (716) 298-7540 |
| 8 | Eugeni Insurance Agency Inc. | 3003 Pine Ave | (716) 285-3491 |
| 9 | William Davis Insurance | 10335 Lockport Rd | (716) 297-2092 |
| 10 | XNZ Insurance Agency Inc | 8701 Buffalo Ave | (716) 299-0027 |
Allison Crowley - State Farm Insurance Agent serves the Niagara Falls, New York metro area as a local supplemental insurance agent. This office helps residents understand and secure policies that fill gaps left by major medical coverage. It works with individuals and families to select plans that address specific needs, such as hospital stays or unexpected accidents. The agent provides options including critical illness coverage and accident insurance, which help manage out-of-pocket costs in this region.
Serving Niagara Falls, NY, and the surrounding communities, Laura Capizzi - State Farm Insurance Agent handles supplemental insurance policies designed to fill coverage gaps left by major medical plans. This local agency helps residents explore options such as accident, critical illness, and hospital indemnity insurance. For a typical job, the agent first reviews a client’s existing health coverage to identify specific needs, then presents supplemental plans that align with their budget and potential out-of-pocket risks.
Keller Insurance serves homeowners, businesses, and property managers in the Niagara Falls area, offering supplemental insurance policies that fill coverage gaps left by standard health, auto, or property plans. These policies provide financial protection for unexpected medical expenses, accidents, or property repairs not fully covered by primary insurance. Clients benefit from personalized guidance in selecting appropriate supplemental products to match their individual needs. The agency also extends its services to the nearby community of Lewiston, ensuring broader coverage for Western New York residents seeking additional security.
At Stephanie Neal - State Farm Insurance Agent in Niagara Falls, NY, a client can choose between one-time policy reviews or recurring service visits to adjust coverage. Supplemental insurance helps fill gaps left by major health plans, covering expenses such as deductibles or copays for unexpected medical events. These policies are designed to provide financial support when primary insurance limits are reached. Service runs on either a scheduled appointment or an as-needed basis to address changing client needs.
Willoughby Insurance serves residents in Niagara Falls, New York, by offering supplemental insurance policies that help fill gaps in standard health coverage. The company also extends its services to local commercial clients, providing tailored supplemental plans for businesses throughout the greater Niagara Falls area. Their agents work with clients to assess individual needs and recommend appropriate coverage. Regular policy reviews and ongoing support are available, and the company prioritizes follow-up service to address any changes or questions between each scheduled visit.
Offering supplemental insurance products to help fill the gaps in standard health coverage, Andrew Clemen: Allstate Insurance in Niagara Falls, NY provides local guidance on policies like accident, hospital, and critical illness plans. It assists residents with navigating coverage options that address out-of-pocket expenses. The agency also helps clients prepare for the added costs that often accompany seasonal influenza outbreaks or unexpected winter injuries requiring emergency care.
As winter weather approaches Niagara Falls, supplemental insurance needs often shift, and Joel Holka Insurance helps local residents evaluate their current policies. Working as a supplemental insurance agent, the company focuses on covering gaps that major health plans might leave behind. This can include options for accident or critical illness repairs during the colder months. A straightforward review of individual situations allows an agent to highlight potential coverage opportunities. The process begins with a simple initial assessment of a client’s existing plan and daily risks.
Eugeni Insurance Agency Inc. focuses on providing core insurance coverage for individuals and families in Niagara Falls, NY. It specializes in supplemental insurance policies that help cover expenses not included in standard major medical plans, such as critical illness or accident-related costs. These add-on plans are designed to offer additional financial protection during unexpected health events. The agency can serve a range of commercial sectors, including local offices, warehouses, and food service businesses.
William Davis Insurance, a supplemental insurance agent in Niagara Falls, New York, is known for helping clients fill the financial gaps left by major medical plans. The company offers a range of policies designed to cover out-of-pocket expenses such as deductibles and copayments. These services provide added financial protection during unexpected medical events. For individuals seeking more comprehensive coverage, the agency can also help secure specialized plans for critical illness care.
What Does a a Supplemental Insurance Agent in Niagara Falls Cost?
Supplemental insurance costs in New York vary by plan type and provider. Medigap Plan G premiums in Niagara Falls typically range from 150 to 300 dollars per month for a 65-year-old. Medicare Advantage plans may have 0 dollar premiums but include copays and deductibles. Costs also depend on your health, age, and the insurance company. This is general information, not insurance advice.
About supplemental insurance agents in Niagara Falls
Supplemental insurance agents in Niagara Falls, New York help residents find coverage to fill gaps in Medicare or employer plans. New York law requires agents to be licensed and follow strict rules about plan comparisons and enrollment periods. Local agents can guide you through options like Medigap or Medicare Advantage plans available in Niagara County.
Frequently Asked Questions
What is a supplemental insurance agent in Niagara Falls?
A supplemental insurance agent is a licensed professional who helps you buy private insurance policies that cover costs not paid by Medicare or your main health plan. In New York, agents must complete state-approved training and pass a licensing exam.
When can I enroll in a Medigap plan in New York?
In New York, you have a 6-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 there special rules for supplemental insurance in New York?
Yes, New York has a guaranteed issue rule for Medigap plans. This means you can buy a Medigap plan at any time of year if you meet certain conditions, such as losing employer coverage. Premiums are community-rated, so age does not affect your rate.
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