The top-rated supplemental insurance agent in Salem, Virginia is Northpoint Insurance Advisors, rated 5.0 stars across 203 reviews. Other highly rated options include Whitwell Kelly: Allstate Insurance, My Insurance People, Darrell Holland - State Farm Insurance Agent. This directory lists 16 supplemental insurance agents serving Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Northpoint Insurance Advisors | 522 E Main St | (540) 387-9148 |
| 2 | Whitwell Kelly: Allstate Insurance | 603 Apperson Dr | (540) 342-2115 |
| 3 | My Insurance People | 1617 E Main St | (540) 401-6789 |
| 4 | Darrell Holland - State Farm Insurance Agent | 205 W Main St | (540) 389-1220 |
| 5 | Business Solutions, Inc | 303 E Burwell St | (540) 444-4000 |
| 6 | Burgess DeMarco & Flick Insurance | 730 Apperson Dr | (540) 375-3231 |
| 7 | State Farm: Chris Huff | 415 Apperson Dr | (540) 389-0294 |
| 8 | Futurity First: Don Lilly Agency | 2820 Keagy Rd | (540) 380-8340 |
| 9 | Craighead-Zimmerman & Associates | 27 E Clay St | (540) 389-1203 |
| 10 | Larry Wills & Associates Insurance | 158 W 4th St | (540) 389-8500 |
Northpoint Insurance Advisors serves the Salem, Virginia metro area and surrounding counties as a supplemental insurance agent. The company helps individuals and families close the gaps in their primary health coverage by offering policies that address out-of-pocket costs and unexpected medical expenses. Supplemental insurance agents in this region provide options such as accident, critical illness, and hospital indemnity plans to complement standard benefits. Northpoint Insurance Advisors specifically handles Medicare supplement policies and dental or vision coverage for residents in the Salem area.
Whitwell Kelly: Allstate Insurance in Salem, VA provides supplemental insurance policies designed to fill coverage gaps left by standard health or life plans. These offerings typically include options for accident, critical illness, and hospital indemnity coverage to help manage out-of-pocket expenses. The agency assists clients in reviewing existing policies and selecting appropriate supplemental plans that align with their individual needs and budget through personalized consultations. Its clients include single-family homeowners, apartment residents, retail business owners, and restaurant operators.
My Insurance People serves homeowners and small business owners in Salem, Virginia, who seek additional financial protection beyond their primary policies. The agency focuses on supplemental insurance, helping clients fill coverage gaps for accidents, critical illness, and hospital indemnity. Recognizing that standard plans often leave families with unexpected out-of-pocket costs, the agents work to explain available options clearly and tailor plans to individual needs. Their service area extends to residents and businesses in the Roanoke metropolitan area, including nearby communities such as Vinton.
Serving Salem, Virginia, and the surrounding communities of the Roanoke Valley, Darrell Holland - State Farm Insurance Agent focuses on supplemental insurance coverage. It handles policies designed to complement existing health plans such as Medicare supplements, hospital indemnity, and critical illness insurance. The agency works with clients to assess gaps in their current protection. It generally approaches a typical job by reviewing an individual’s existing coverage, explaining available plan options in clear terms, and helping select a policy that aligns with the client’s budget and anticipated medical needs.
In Salem, VA, Business Solutions, Inc offers both one-time policy reviews and recurring plan updates for supplemental insurance, helping clients choose between immediate gap coverage and long-term program adjustments. These supplemental insurance options address needs not met by major medical plans, such as accident, critical illness, or hospital indemnity coverage. Coverage typically includes short-term cash benefits for deductibles, copays, or lost income during recovery. Service is available on either a one-time or an as-needed basis, depending on the client’s evolving life circumstances and policy changes.
Burgess DeMarco & Flick Insurance in Salem, VA offers supplemental insurance policies that provide financial support for expenses not covered by major medical plans. It assists local residents with navigating the specific details of these supplemental coverages throughout the year. As tax season approaches, the agency helps clients understand how their benefits interact with filing requirements to prevent unexpected adjustments.
As winter weather brings unexpected slips and slick roads around Salem, supplemental insurance can help cover gaps left by major medical plans. State Farm: Chris Huff addresses this local need by offering policies focused on accidents, hospital stays, and critical illness events. Each policy review considers current coverage to identify missing protection for financial exposure. An agent then walks prospects through benefit structures available for the area. The initial process involves a simple inspection of existing insurance to pinpoint where additional support is needed.
Futurity First: Don Lilly Agency in Salem, VA provides supplemental insurance for residential clients in the local area. Commercial coverage is also available to area businesses and their employees. The agency serves customers throughout the Salem region, offering policies that help fill gaps left by primary health plans. After an initial policy is in place, the agent follows up to adjust coverage as needs change, ensuring consistent service between regular visits.
Craighead-Zimmerman & Associates provides supplemental insurance products to individuals and businesses in the Salem, Virginia area. Its specialty add-ons focus on bridging gaps left by major medical plans, offering coverage for accidents, critical illness, and hospital indemnity. The agency works with local employers to design voluntary benefit packages that help employees manage out-of-pocket medical costs. It also serves smaller commercial operations such as professional offices, warehouses, and food service establishments.
Larry Wills & Associates Insurance, based in Salem, VA, is known for providing supplemental insurance solutions that help fill the gaps left by primary health plans. The agency serves local individuals and families seeking financial protection against unexpected medical costs, offering straightforward policies tailored to common coverage needs such as accident, critical illness, and hospital indemnity. Clients can also add specialty coverage like dental or vision insurance to their benefits package.
What Does a a Supplemental Insurance Agent in Salem Cost?
Costs for supplemental insurance in Virginia vary widely by plan type and your age. A Medigap Plan G in Salem typically costs between 120 and 250 dollars per month for a 65 year old. Cancer or accident policies may range from 30 to 80 dollars monthly. Your actual premium depends on your health, zip code, and the insurer. This is general information, not insurance advice.
About supplemental insurance agents in Salem
Supplemental insurance agents in Salem, Virginia help residents fill gaps in their primary health coverage. These agents offer plans like Medicare Supplement (Medigap) and hospital indemnity policies. Virginia law requires agents to be licensed by the State Corporation Commission, ensuring they meet state standards for consumer protection.
Frequently Asked Questions
What is a supplemental insurance agent in Salem?
A supplemental insurance agent helps you buy policies that pay for costs not covered by your main health plan. In Salem, these agents often sell Medigap, dental, vision, and accident plans. They work with multiple carriers to find a policy that fits your needs.
Do I need a license to sell supplemental insurance in Virginia?
Yes, all insurance agents in Virginia must hold a valid license from the State Corporation Commission. They must pass a state exam and complete continuing education. You can verify an agents license on the SCC website.
How long do I have to buy a Medigap policy in Virginia?
In Virginia, you have a six-month Medigap open enrollment period. This starts the month you turn 65 and enroll in Medicare Part B. During this time, insurers cannot deny you coverage or charge higher premiums due to health conditions.
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