The top-rated supplemental insurance agent in Warwick, Rhode Island is Bankers Life, rated 4.9 stars across 132 reviews. Other highly rated options include InsureMyTrip, Brook Insurance Associates LLC, McLane Insurance Agency. This directory lists 20 supplemental insurance agents serving Warwick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bankers Life | 475 Kilvert St # 300 | (401) 732-5213 |
| 2 | InsureMyTrip | 100 Commerce Dr | (800) 487-4722 |
| 3 | Brook Insurance Associates LLC | 1935 Elmwood Ave | (401) 381-1350 |
| 4 | McLane Insurance Agency | 2914 Post Rd #6 | (401) 773-7892 |
| 5 | The Beacon Mutual Insurance Company | 1 Beacon Center | (401) 825-2667 |
| 6 | DeGiulio Insurance Group, LLC | 3590 W Shore Rd | (401) 921-5690 |
| 7 | Elder Care Insurance Solutions Inc | 3466 W Shore Rd Rear | (401) 885-7467 |
| 8 | Steven Gosetti, Bankers Life Agent and Bankers Life Securities Financial Representative | 475 Kilvert St # 300 | (401) 732-5213 |
| 9 | Annarummo & Associates Insurance Agency | 808 Main Ave | (401) 732-2878 |
| 10 | The Egis Group | 120 Lavan St | (401) 274-0303 |
Bankers Life in Warwick, RI is known for providing supplemental insurance options that help individuals manage out-of-pocket healthcare costs. Its service range includes Medicare Supplement plans, hospital indemnity coverage, and dental insurance policies for local retirees and seniors. By focusing on filling gaps left by primary health plans, these offerings assist clients in covering deductibles and coinsurance. As a specialty service it can add on, Bankers Life offers graded benefit whole life insurance for those needing final expense planning.
InsureMyTrip of Warwick, Rhode Island, distinguishes between one-time plans for specific trips and recurring policies for frequent travelers, supplementing existing health coverage with benefits for medical evacuation, trip cancellation, and baggage loss. This supplemental insurance agent provides services designed to fill gaps that primary health insurance does not cover. Their operation for clients runs on an as-needed basis, enabling travelers to request quotes and purchase policies individually for each planned journey.
Brook Insurance Associates LLC serves clients in Warwick, Rhode Island by offering both one-time policy reviews and recurring coverage management for supplemental insurance needs. The agency helps individuals fill gaps left by primary health plans, providing options such as accident, critical illness, or hospital indemnity policies. Service appointments are available on an as-needed basis for consultations or policy adjustments, with no set schedule required for ongoing support.
Winter in Warwick often brings questions about how supplemental insurance can help cover gaps that Medicare or primary health plans leave behind. McLane Insurance Agency provides guidance to local residents exploring these additional coverage options, helping them identify plans that may address deductibles or coinsurance costs common in the area. The agent typically begins by reviewing a client’s existing policies and scheduling an initial consultation to assess individual needs, asking about recent medical visits to match appropriate supplemental plans.
Serving Warwick, Rhode Island, The Beacon Mutual Insurance Company specializes in helping clients navigate the complexities of supplemental insurance, including Medicare gaps, accident plans, and critical illness coverage. It assists local residents in securing policies that address out-of-pocket costs their primary health plans do not fully cover. With open enrollment periods and changing healthcare needs, the company provides guidance for seniors reviewing their coverage ahead of the annual Medicare Fall Enrollment season.
DeGiulio Insurance Group, LLC provides essential coverage solutions for individuals and businesses in Warwick, Rhode Island. The agency specializes in supplemental insurance, offering policies that fill gaps left by primary health plans, such as accident, hospital indemnity, or critical illness protection. These add-ons help policyholders manage out-of-pocket expenses during medical events. The company serves a variety of local commercial sectors, including offices, warehouses, and food service operations, tailoring its supplemental offerings to their distinct operational needs.
Elder Care Insurance Solutions Inc provides residential supplemental insurance services for clients in Warwick, Rhode Island. The agency also assists commercial policyholders in the surrounding area with their coverage needs. Its agents work with older adults to help fill gaps in Medicare plans, addressing individual health concerns and budget requirements. Follow-up appointments are scheduled to adjust policies when a client’s medical needs change between routine visits.
Steven Gosetti, Bankers Life Agent and Bankers Life Securities Financial Representative in Warwick, Rhode Island, offers supplemental insurance coverage designed to fill gaps left by primary health plans. Services include assistance with selecting and enrolling in policies, as well as ongoing support for claims and policy adjustments. The agency helps clients navigate the complexities of their coverage year-round to ensure benefits are maintained. It provides these services to individuals seeking protection for single-family homes, apartments, and various retail and restaurant properties.
Annarummo & Associates Insurance Agency, based in Warwick, Rhode Island, is recognized for providing supplemental insurance coverage that helps individuals manage out-of-pocket costs not covered by major medical plans. Its service range includes policies designed to bridge gaps in health, accident, and disability protection for local residents and families. A specialty service this agency can add on is hospital indemnity insurance, which pays a fixed cash benefit directly to the policyholder for each day of a covered hospital stay.
The Egis Group serves the greater Providence metro area, including the city of Warwick, Rhode Island, as a supplemental insurance agent. The company helps individuals address coverage gaps left by standard health or Medicare plans through tailored policies. It assists clients with navigating options for filling deductibles and covering out-of-pocket medical expenses. The Egis Group handles specific supplemental plans such as accident insurance and critical illness coverage in this region.
What Does a a Supplemental Insurance Agent in Warwick Cost?
Supplemental insurance agent services in Warwick are typically free to you because agents earn commissions from insurance carriers. Medigap premiums in Rhode Island vary by plan type age and carrier. For example Plan G premiums for a 65-year-old in Warwick can range from about $120 to $250 per month. Costs for other supplemental plans like dental or vision also vary. This is general information not insurance advice.
About supplemental insurance agents in Warwick
Supplemental insurance agents in Warwick Rhode Island help residents fill gaps in Medicare and other health coverage. Rhode Island law requires Medigap policies to follow federal guidelines and state-specific open enrollment periods. Local agents can explain how plans like Plan G or Plan N work with Original Medicare in the Ocean State.
Frequently Asked Questions
What is a supplemental insurance agent in Warwick?
A supplemental insurance agent in Warwick helps you buy policies that cover costs not paid by Original Medicare or employer insurance. They are licensed in Rhode Island and must follow state insurance regulations. They can compare plans from different carriers for you.
When can I enroll in a Medigap plan in Rhode Island?
In Rhode Island you have a six-month Medigap open enrollment period starting when you are 65 and enrolled in Medicare Part B. During this time you can buy any Medigap policy without medical underwriting. After this period insurers may deny coverage or charge higher premiums based on health.
Are there Rhode Island rules for guaranteed issue Medigap?
Yes Rhode Island law provides guaranteed issue rights in certain situations such as losing employer coverage or moving out of a Medicare Advantage plan service area. You must apply within 63 days of the triggering event. An agent can help you determine if you qualify.
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