The top-rated supplemental insurance agent in Saratoga Springs, New York is Kyle Magne - State Farm Insurance Agent, rated 5.0 stars across 372 reviews. Other highly rated options include Bob Fitch - State Farm Insurance Agent, Dione Ramsdill - State Farm Insurance Agent, Jenks Family Insurance Agency, LLC. This directory lists 25 supplemental insurance agents serving Saratoga Springs.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kyle Magne - State Farm Insurance Agent | 120 West Ave Apartment 102 | (518) 633-1010 |
| 2 | Bob Fitch - State Farm Insurance Agent | 440 Maple Ave | (518) 409-8685 |
| 3 | Dione Ramsdill - State Farm Insurance Agent | 4286 NY-50 | (518) 581-7010 |
| 4 | Jenks Family Insurance Agency, LLC | 11 Ballston Ave | (518) 581-1111 |
| 5 | Lubica Mills - State Farm Insurance Agent | 8 Circular St Suite 3 | (518) 587-6483 |
| 6 | Todd Harvey Farmers Insurance | 2 Smith Bridge Rd | (518) 693-6893 |
| 7 | Armor Group Insurance Agency | 340 Broadway Ste 301 | (518) 952-4296 |
| 8 | Cote Insurance Agency | 68 Weibel Ave | (518) 587-3303 |
| 9 | Robert J. Hoy Agency, Inc. | 538 Maple Ave Suite C | (518) 583-2025 |
| 10 | Thomas McCurry: Allstate Insurance | 468 Maple Ave | (518) 306-5315 |
Kyle Magne - State Farm Insurance Agent serves the Saratoga Springs, NY area as a local supplemental insurance agent. This agent provides coverage options designed to fill gaps left by primary health insurance policies. Supplemental insurance helps individuals manage unexpected out-of-pocket costs not typically covered by standard plans. Clients can explore policies that address specific needs during recovery or illness. The agency focuses on offering financial protection for everyday health events. It handles Medicare supplement plans and critical illness insurance in the region.
Bob Fitch - State Farm Insurance Agent in Saratoga Springs, NY, offers supplemental insurance products that help fill gaps left by primary health coverage, including accident, hospital indemnity, and critical illness plans. Service and maintenance plans typically include policy reviews during life changes and customer support for claims filing and coverage adjustments. The agent works with a range of properties and business types in the local area, including single-family homes, apartments, retail shops, and restaurants
Dione Ramsdill - State Farm Insurance Agent in Saratoga Springs, New York, serves local homeowners and property managers seeking supplemental insurance policies that fill gaps left by standard coverage. The agency helps clients evaluate options for additional financial protection, such as accident or hospital indemnity plans, to manage out-of-pocket costs during unexpected events. Their work supports individuals in maintaining greater security in their daily lives. The agency also extends its services to residents in the neighboring village of Ballston Spa.
Jenks Family Insurance Agency, LLC serves Saratoga Springs, NY, and the surrounding communities, handling supplemental insurance plans that help cover expenses not addressed by major medical policies. These plans are designed to fill gaps in standard coverage, offering financial support for items such as deductibles, copays, and lost income during recovery. A typical client engagement begins with a needs assessment to identify coverage gaps, followed by a review of available options matched to individual budgets and health situations.
Lubica Mills, operating as a State Farm Insurance Agent in Saratoga Springs, NY, distinguishes between one-time policy adjustments and recurring service options for supplemental insurance needs. This agency’s coverage focuses on filling gaps left by primary health or life plans, such as accident, critical illness, or hospital indemnity policies. Clients can rely on scheduled reviews to ensure their supplemental protection remains aligned with changing circumstances, while new or urgent requests are handled on an as-needed basis.
Todd Harvey Farmers Insurance in Saratoga Springs, New York specializes in supplemental insurance policies that cover gaps left by major medical plans. It also assists with general insurance needs for local residents and small businesses, helping them secure additional financial protection. Its agents work with clients to review existing coverage and identify vulnerabilities in their personal or family plans. As winter months approach, the agency frequently helps policyholders address potential out-of-pocket costs from seasonal accidents or unexpected illnesses that primary insurance alone might not fully cover.
As Saratoga Springs residents plan for the coming winter, many look to close gaps in their existing coverage. Armor Group Insurance Agency serves this need as a local supplemental insurance agent, helping clients explore policies that address specific out-of-pocket costs through private plans. Their work involves clarifying coverage options for individuals and families in the area. An initial conversation typically begins with a review of current benefits, followed by a no-cost assessment of potential gaps to determine whether further inspection of needs is warranted.
Cote Insurance Agency serves homeowners, renters, and local business owners in Clifton Park, New York, by offering supplemental insurance policies designed to fill gaps in primary coverage. The firm assists clients in understanding and selecting plans that address specific needs not met by standard health, life, or property insurance. Every consultation focuses on practical options suited to individual budgets and circumstances. In addition to serving Clifton Park, the agency also provides services to residents and businesses in the nearby town of Halfmoon and the greater Saratoga Springs metro area.
Robert J. Hoy Agency, Inc. provides supplemental insurance services to residential clients in the Saratoga Springs area, helping them fill gaps in their primary health coverage. The agency also offers supplemental plans for commercial clients, ensuring local business owners have access to additional financial protection. Service extends throughout the surrounding communities. After an initial policy setup, the agency routinely contacts clients between regular visits to review coverage needs and address any questions as circumstances change.
Thomas McCurry: Allstate Insurance provides primary insurance policies to residents and businesses throughout the Saratoga Springs, NY area. As a supplemental insurance agent, the company offers additional coverage options that fill gaps left by standard health, life, or property plans. These add-ons help clients manage out-of-pocket costs not covered by primary insurance. The firm can serve a range of commercial sectors, including local offices, warehouses, and food service establishments seeking to protect their operations and employees.
What Does a a Supplemental Insurance Agent in Saratoga Springs Cost?
Supplemental insurance costs in Saratoga Springs vary by plan type age and gender. Medigap Plan G premiums typically range from 120 to 250 dollars per month for a 65 year old. Medicare Advantage plans often have zero dollar premiums but may have copays and network limits. New York does not allow Medigap insurers to use age rating for new policies after the first six months. This is general information not insurance advice.
About supplemental insurance agents in Saratoga Springs
Supplemental insurance agents in Saratoga Springs New York help residents fill gaps in Medicare employer or individual health plans. New York state law allows guaranteed issue Medigap policies during certain enrollment periods regardless of pre-existing conditions. Agents can explain how local plans coordinate with the New York State of Health marketplace.
Frequently Asked Questions
What is the best time to buy supplemental insurance in Saratoga Springs?
The best time is during your Medigap open enrollment period which starts when you are 65 and enrolled in Medicare Part B. In New York you also have a guaranteed issue right during your Medicare Advantage trial period. Missing these windows may require medical underwriting.
Do New York laws affect supplemental insurance options?
Yes New York has guaranteed issue rules for Medigap plans during the first six months of Part B enrollment. After that insurers can use medical underwriting but New York also has a birthday rule allowing you to switch to an equal or lesser plan within 60 days of your birthday without health questions.
Can I use a supplemental insurance agent if I have employer coverage in Saratoga Springs?
Yes an agent can review your employer plan and recommend a Medigap or Medicare Advantage plan for when you retire. New York allows you to delay Part B without penalty if you have group coverage from an employer with 20 or more employees. An agent helps coordinate the transition.
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