The top-rated supplemental insurance agent in Lubbock, Texas is Grimes Insurance Agency Inc., rated 4.9 stars across 1,270 reviews. Other highly rated options include LSM Insurance Agency, Medicare Store by Agency4RED, Dear Insurance. This directory lists 19 supplemental insurance agents serving Lubbock.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Grimes Insurance Agency Inc. | 8917 Milwaukee Ave | (806) 762-0544 |
| 2 | LSM Insurance Agency | 7204 Joliet Ave Suite 1 | (806) 792-7098 |
| 3 | Medicare Store by Agency4RED | 2811 S Loop 289 #5 | (806) 702-7770 |
| 4 | Dear Insurance | 4412 74th St Suite A-100 | (806) 787-3571 |
| 5 | Mission Medicare Insurance Agency | 2702 82nd St | (806) 590-1234 |
| 6 | The Shropshire Insurance Agency, Inc. | 5812 66th St | (806) 763-7311 |
| 7 | Beadle Insurance Agency, LLC | 8008 Slide Rd Suite 22 | (806) 798-7900 |
| 8 | Hotchkiss Insurance - Formerly InCore Group | 4415 71st St Suite #12 | (806) 722-2110 |
| 9 | Hettler Insurance Agency | 4720 S Loop 289 | (806) 798-7800 |
| 10 | West Texas Insurance of Lubbock | 2201 University Ave | (806) 589-6454 |
Grimes Insurance Agency Inc. serves Lubbock County and the surrounding Texas South Plains area as a supplemental insurance agent. The company helps individuals and families fill gaps left by major medical plans by offering policies that cover out-of-pocket costs not fully addressed by primary health insurance. Clients in the region typically seek assistance with unexpected expenses such as deductibles and copayments for hospital stays. The agency regularly handles Medicare supplement plans and accident insurance policies for local residents.
LSM Insurance Agency offers supplemental insurance coverage in Lubbock, TX, including policies for accident, critical illness, hospital indemnity, and cancer care. The agency helps clients manage out-of-pocket medical costs not covered by primary health plans. Services include annual policy reviews to ensure coverage aligns with changing healthcare needs and assistance with filing claims. Ongoing support is available for understanding benefits, coordinating with primary insurers, and updating beneficiaries. LSM Insurance Agency serves single-family homes, apartments, retail establishments, and local restaurants seeking gap coverage.
Medicare Store by Agency4RED serves local retirees and seniors exploring supplemental insurance options in Lubbock, Texas. The agency helps clients compare Medicare Supplement plans to cover out-of-pocket costs not paid by Original Medicare. Its agents explain plan differences plainly, answering questions about deductibles and coinsurance gaps. Navigators assist with annual enrollment periods and plan transitions for those turning sixty-five. The company works steadily with residents managing fixed incomes who want predictable health coverage. It also extends these supplemental insurance services to families living in nearby Wolfforth and surrounding South Plains communities.
Serving Lubbock, Texas, and the surrounding South Plains communities, Dear Insurance is a local agency that handles supplemental insurance policies. These plans help bridge coverage gaps left by major medical insurance, offering financial support for deductibles, hospital stays, or accident-related costs not fully covered. The agency operates with a straightforward, educational approach, taking time to explain policy options and assess individual needs before recommending a plan. It typically works through in-person consultations to identify the right supplemental solution for each client.
Mission Medicare Insurance Agency in Lubbock, TX, assists clients by first clarifying the distinction between one-time plans that address immediate needs and recurring options that provide long-term coverage. The agency specializes in supplemental insurance, which helps fill gaps left by primary health policies, such as copays and deductibles. These plans are designed to reduce out-of-pocket expenses for seniors and other individuals. For ongoing support, service can be arranged on either a scheduled or an as-needed basis, depending on each client's preference.
The Shropshire Insurance Agency, Inc. specializes in offering supplemental coverage, such as accident and hospital indemnity plans, to individuals in Lubbock. It generally works with clients to fill the financial gaps left by major medical policies. The agency helps families and retirees manage unexpected out-of-pocket costs from routine care or emergency visits. As open enrollment closes or after a seasonal change in health, it assists with adjusting extra protection to cover new deductibles or gaps.
With Lubbockâs busy seasons bringing greater risk of unexpected health events, Beadle Insurance Agency, LLC offers supplemental insurance plans designed to fill gaps left by standard medical coverage. These policies help local residents manage out-of-pocket expenses related to accidents, critical illnesses, or hospital stays. The process begins with a straightforward initial consultation to review individual coverage needs and policy options in person.
Hotchkiss Insurance, formerly InCore Group, arranges supplemental insurance coverage for residents of Lubbock and the surrounding area. For local homeowners and tenants, the agency helps fill gaps left by primary health or property plans with additional policies on accident, critical illness, or hospital indemnity. Commercial clients also receive similar gap coverage solutions tailored to their business needs. After an initial policy is in place, the team proactively schedules follow-up appointments to review possible adjustments or future enrollment changes before the next regular visit cycle.
Hettler Insurance Agency serves the Lubbock area by focusing on the daily needs of local individuals and businesses. The agency specializes in supplemental insurance, helping clients fill the coverage gaps left by standard health plans or major medical policies. This support helps manage out-of-pocket expenses for accidents, hospital stays, or serious illnesses. Working alongside primary coverage, the agency offers distinct policy add-ons to strengthen financial protection. The agency can serve a variety of commercial sectors including offices, warehouses, and food service locations.
West Texas Insurance of Lubbock is known for offering supplemental insurance policies that fill gaps left by standard health or Medicare coverage for residents in Lubbock, Texas. Its services include assisting clients with plan selection for hospital indemnity, accident, and critical illness needs. The agency helps local individuals and families secure financial protection against unexpected medical costs. A specialty service it can add on is dental and vision insurance supplements to complete a coverage portfolio.
What Does a a Supplemental Insurance Agent in Lubbock Cost?
Supplemental insurance agent services in Texas are typically free to the consumer because agents earn commissions from the insurance companies they represent. Medigap Plan G premiums in Lubbock can range from 100 to 250 dollars per month depending on age gender and tobacco use. Medicare Advantage plans often have zero dollar premiums but may include copays and deductibles. Costs vary by carrier health status and plan type. This is general information and not insurance advice.
About supplemental insurance agents in Lubbock
Supplemental insurance agents in Lubbock Texas help residents find policies that cover gaps in Medicare or employer health plans. Texas law requires agents to be licensed through the Texas Department of Insurance and follow strict marketing rules. Local agents can explain options like Medigap Medicare Part D or hospital indemnity plans for the South Plains region.
Frequently Asked Questions
What is a supplemental insurance agent in Lubbock?
A supplemental insurance agent is a licensed professional who helps you buy private health insurance policies that work alongside Medicare or other primary coverage. In Texas agents must pass a state exam and complete continuing education every two years.
When can I enroll in a Medigap plan in Texas?
You have a six-month Medigap open enrollment period that starts the month you turn 65 and enroll in Medicare Part B. During this time you can buy any Medigap policy without medical underwriting. After that period insurers can deny coverage or charge higher rates based on health.
Are there Texas-specific rules for Medicare Advantage plans?
Yes Texas follows federal Medicare rules but also requires agents to provide a scope of appointment form before discussing plan details. Agents must also disclose if they represent only one carrier or multiple carriers. You can switch Medicare Advantage plans during the annual enrollment period from October 15 to December 7.
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