The top-rated supplemental insurance agent in Sayville, New York is Artur Goncalves: Allstate Insurance, rated 4.9 stars across 183 reviews. Other highly rated options include John Pawlowski - State Farm Insurance Agent, Edwards and Company, Sanseviro Insurance. This directory lists 10 supplemental insurance agents serving Sayville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Artur Goncalves: Allstate Insurance | 299 Raft Ave Ste 9 | (631) 218-4800 |
| 2 | John Pawlowski - State Farm Insurance Agent | 4910 Sunrise Hwy | (631) 589-7811 |
| 3 | Edwards and Company | 140 Greene Ave | (631) 472-8400 |
| 4 | Sanseviro Insurance | 41 Center St | (631) 589-7171 |
| 5 | Mike Pieslak - State Farm Insurance Agent | 304A W Main St | (631) 589-4466 |
| 6 | Pine Tree Insurance LLC | 282 Railroad Ave | (631) 892-7934 |
| 7 | Harry Harripersaud: Allstate Insurance | 83 S Main St | (631) 584-4800 |
| 8 | William C Hoover Insurance | 22 Railroad Ave #3 | (631) 567-7705 |
| 9 | Percy Hoek, Inc. | 180 W Main St | (631) 589-4100 |
| 10 | WC Hoover & Co. | 22 Railroad Ave #3 | (631) 567-7705 |
Artur Goncalves, Allstate Insurance serves Sayville and the broader Suffolk County area, providing supplemental insurance agent services. These policies help individuals cover out-of-pocket expenses not paid by major medical plans. The agency assists clients with plans designed for accidents, critical illnesses, and hospital stays. Such coverage offers financial support for deductibles and copays. A representative at this location helps with Medicare supplement plans and hospital indemnity insurance for local residents.
John Pawlowski - State Farm Insurance Agent in Sayville, NY, provides a range of supplemental insurance policies to help cover gaps left by major health plans. Its service approach includes personalized consultations to identify individual coverage needs and ongoing policy management for local clients. The company assists customers through the claims process to ensure straightforward support when benefits are needed. It serves a variety of property types, including single-family homes, apartments, retail establishments, and restaurants.
Edwards and Company serves homeowners, businesses, and property managers in the Sayville, NY area by securing supplemental insurance policies that fill coverage gaps left by standard plans. Their representatives explain differences between Medicare supplements, accident, and critical illness options, helping customers select suitable financial protections. Through careful review of existing coverage, they identify potential exposures and offer appropriate supplementary plans. This firm also provides its supplemental insurance agent services to clients in the neighboring community of Bayport.
Sanseviro Insurance serves Sayville, New York, and the surrounding South Shore communities. As a supplemental insurance agent, the company helps clients address specific gaps left by major medical plans. It typically handles policies that provide direct cash benefits for expenses like deductibles, hospital stays, or critical illness recovery. Understanding that each individual and family faces different financial exposures, the firm generally begins by reviewing a client’s existing coverage to identify uncovered risks. It then selects tailored supplemental plans to provide predictable support during unforeseen events.
Mike Pieslak - State Farm Insurance Agent in Sayville, NY, provides supplemental insurance, which differs from one-time plans by offering recurring coverage that continues month to month. These policies help fill gaps left by major medical insurance, covering out-of-pocket costs like deductibles and copays. As a supplemental agent, the focus is on accident, hospital indemnity, and critical illness plans that pay benefits directly to the policyholder. Service is offered on an as-needed basis, with clients scheduling appointments or stopping by the local office for personalized advice.
Pine Tree Insurance LLC in Sayville, NY offers supplemental insurance agency services, specializing in policies that help cover gaps left by major medical plans. It works with clients to find individual or group supplemental plans for health, accident, or disability needs. The agency provides local guidance on how these plans can work with primary coverage to reduce out-of-pocket costs for routine and unexpected care. During winter months, it helps clients find policies that offer additional financial protection against seasonal illnesses or injuries from icy conditions.
As the seasons change on Long Island, residents of Sayville often reassess their coverage for unexpected costs that Medicare or traditional health plans leave behind. Harry Harripersaud: Allstate Insurance helps local clients by explaining supplemental insurance options that fill those gaps clearly. The agent reviews individual situations to recommend appropriate supplemental policies for medical expenses. Every consultation begins with a thorough initial assessment of current coverage and potential needs.
William C Hoover Insurance provides general insurance solutions and specializes in supplemental insurance policies for clients in Sayville, New York. These supplemental plans help cover gaps left by primary health or life coverage, offering additional financial protection for unexpected medical events or income loss. The agency serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
Percy Hoek, Inc. serves residents of Sayville, New York, by offering supplemental insurance policies that help cover gaps left by primary health plans. The agency also provides commercial coverage options for local small business owners in the surrounding Suffolk County area. Their agents assist clients through the selection process for policies such as accident or hospital indemnity plans. Checking in between regular visits, they follow up to adjust coverage as personal circumstances change or new healthcare needs arise.
WC Hoover & Co. in Sayville, NY, is known for helping residents navigate supplemental insurance options that fill gaps in primary coverage. The company serves individuals and families seeking additional financial protection for unexpected medical costs. Its services extend to evaluating plan benefits and advising on policy inclusions for factors like hospital stays and chronic conditions. Clients may also add specialized coverage for accidents or critical illness to their existing plans.
What Does a a Supplemental Insurance Agent in Sayville Cost?
Typical costs for a Medigap plan in New York range from $150 to $350 per month for a 65-year-old, depending on plan type and carrier. Plan G and Plan N are common choices. Costs vary by age, location, and health status. This is general information, not insurance advice.
About supplemental insurance agents in Sayville
Supplemental insurance agents in Sayville, New York help residents choose policies that fill gaps in Medicare coverage. New York state law guarantees a 30-day free look period for Medicare supplement plans. Agents can explain options like Medigap Plans A through N and how they coordinate with Original Medicare.
Frequently Asked Questions
What is a supplemental insurance agent in Sayville?
A supplemental insurance agent is a licensed professional who helps you buy Medicare Supplement or Medigap policies. They explain plan benefits and costs. Agents in Sayville must follow New York Department of Financial Services rules.
When can I enroll in a Medigap plan in New York?
New York has a guaranteed issue period during the first six months after you turn 65 and enroll in Medicare Part B. Outside this window, insurers may use medical underwriting. New York also allows annual open enrollment for Medigap from January 1 to March 31.
Are there special rules for supplemental insurance in New York?
Yes, New York requires all Medigap plans to offer the same core benefits. Insurers cannot deny coverage during the initial open enrollment period. New York also mandates a 30-day free look period for new policies.
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