The top-rated supplemental insurance agent in Fairhope, Alabama is Rick Phyfer - State Farm Insurance Agent, rated 4.9 stars across 425 reviews. Other highly rated options include Farmers Insurance - Andrew Malone, Chase Herrin - State Farm Insurance Agent, Globe Life Liberty National Division: The Lambeth Agencies. This directory lists 18 supplemental insurance agents serving Fairhope.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rick Phyfer - State Farm Insurance Agent | 19416 S Greeno Rd | (251) 928-7500 |
| 2 | Farmers Insurance - Andrew Malone | 104 Professional Park Dr | (251) 990-4000 |
| 3 | Chase Herrin - State Farm Insurance Agent | 21611 State Hwy 181 Ste A | (251) 929-2020 |
| 4 | Globe Life Liberty National Division: The Lambeth Agencies | 106 N Greeno Rd | (866) 400-2395 |
| 5 | Alliance Insurance Group | 19009 State Hwy 181 | (251) 281-0082 |
| 6 | Trawick International | 300 Fairhope Ave ste g | (888) 301-9289 |
| 7 | Steadfast Insurance | 9959 Windmill Rd | (251) 202-4207 |
| 8 | Tim Simmonds - State Farm Insurance Agent | 356 Morphy Ave | (251) 928-1400 |
| 9 | Scott Soulant: Allstate Insurance | 504 N Section St | (251) 990-9553 |
| 10 | Empower Insurance Solutions | 193 Falls Creek St | (251) 880-6108 |
Rick Phyfer - State Farm Insurance Agent serves the Fairhope, Alabama area, specializing in supplemental insurance coverage designed to fill gaps left by major medical plans. These policies provide financial protection for unexpected health expenses and offer direct payments to policyholders. The agency assists clients in navigating their coverage options with personalized consultations focused on individual needs. Its services include hospital indemnity plans that help with out-of-pocket costs and critical illness insurance for serious medical conditions.
Homeowners, businesses, and property managers in Fairhope, AL, can meet their supplemental insurance needs with Farmers Insurance through Andrew Malone. This agency focuses on providing coverage that fills gaps left by standard policies, including options for flood, earthquake, or identity theft protection. Clients receive guidance in selecting policies that protect their assets without unnecessary extras. The agency also serves the broader Eastern Shore metro area, including nearby Daphne and Spanish Fort, ensuring convenient access to supplemental insurance solutions.
Chase Herrin - State Farm Insurance Agent serves Fairhope, Alabama, and the surrounding communities of Baldwin County. It handles supplemental insurance, including policies that help cover gaps left by major medical plans, such as accident and critical illness coverage. The agency focuses on understanding each client’s unique financial situation and lifestyle. For a typical job, it begins by reviewing the client’s existing coverage and then explains specific supplemental options to address their distinct needs.
Supplemental insurance agents distinguish between one-time policies and recurring plans that provide ongoing coverage for medical gaps. In Fairhope, AL, Globe Life Liberty National Division: The Lambeth Agencies assists clients in understanding these different options, including hospital indemnity and accident insurance. Their supplemental plans help individuals manage out-of-pocket costs that primary insurance might not fully address. Service appointments are available on an as-needed basis, allowing local residents to schedule consultations whenever they need to review or adjust their supplemental insurance policies.
Alliance Insurance Group in Fairhope, Alabama specializes in providing supplemental insurance plans that bridge gaps left by primary health coverage. The agency works with individuals and families to find suitable policies for medical, accident, or hospital indemnity needs. Many local clients seek these plans to manage out-of-pocket expenses during unexpected illnesses or injuries. Its services also assist retirees in Fairhope who require additional coverage as they transition away from employer-sponsored benefits, particularly during the seasonal months when Medicare enrollment changes occur.
Trawick International provides supplemental insurance plans to help clients manage out-of-pocket medical costs and fill gaps left by primary health coverage. Its service offerings include accident, critical illness, and hospital indemnity policies. The company focuses on clear policy explanations and straightforward claims assistance to support policyholders in Fairhope and surrounding areas. Maintenance of coverage is handled through annual renewal reviews and policy updates as needed. Trawick International serves residential clients with single-family homes and apartments, as well as local businesses such as retail stores and restaurants.
Steadfast Insurance provides supplemental insurance solutions designed to fill the coverage gaps left by primary health plans in Fairhope, Alabama. Its specialty add-ons include accident, critical illness, and hospital indemnity policies that offer direct cash benefits to policyholders. These products help individuals manage out-of-pocket expenses like deductibles and co-pays. The agency serves a variety of commercial sectors, including professional offices, warehouses, and local food service establishments, tailoring its coverages to meet distinct workforce needs.
Tim Simmonds - State Farm Insurance Agent in Fairhope, AL provides supplemental insurance to local residents, helping cover gaps left by primary health plans. The office also offers commercial coverage options that protect small businesses in the surrounding area. Client consultations are designed to explain policy specifics without pressure, ensuring informed decisions. Follow-up service is available between regular annual visits to adjust plans as personal or business circumstances change, maintaining consistent support for all policyholders.
Scott Soulant: Allstate Insurance serves the Fairhope, Alabama area as a dedicated supplemental insurance agent. The agency helps clients fill coverage gaps left by standard health or life plans. Policies offered may include accident, critical illness, or hospital indemnity insurance to address out-of-pocket costs and everyday financial needs. This local office provides face-to-face consultations for reviewing individual circumstances and recommending options that align with existing coverage. A common add-on service is supplemental dental and vision insurance for those seeking additional routine care benefits.
What Does a a Supplemental Insurance Agent in Fairhope Cost?
Supplemental insurance costs in Alabama vary by plan type age and location. Medigap Plan G typically ranges from 120 to 250 dollars per month for a 65-year-old in Fairhope. Plan N may cost between 90 and 180 dollars per month. Rates can increase annually based on your insurer and underwriting practices. This is general information not insurance advice.
About supplemental insurance agents in Fairhope
Supplemental insurance agents in Fairhope Alabama help residents fill gaps in Medicare coverage. These agents can explain Medigap plans that comply with Alabama state regulations. Local agents understand the specific healthcare needs of Baldwin County and the Gulf Coast region.
Frequently Asked Questions
What is a supplemental insurance agent in Fairhope?
A supplemental insurance agent in Fairhope helps you enroll in Medicare Supplement plans also known as Medigap. These agents are licensed in Alabama and can compare plans from multiple carriers. They guide you through the open enrollment period and special enrollment rules.
When can I enroll in a Medigap plan in Alabama?
In Alabama the best time to enroll is during your Medigap Open Enrollment Period. This period starts when you are 65 or older and enrolled in Medicare Part B. During this 6-month window you cannot be denied coverage due to health conditions.
Are there Alabama-specific rules for supplemental insurance?
Yes Alabama follows federal Medigap rules but also has state-specific protections. Alabama law requires insurers to offer certain standardized plans. Agents must follow Alabama Department of Insurance regulations regarding sales practices and disclosures.