The top-rated supplemental insurance agent in Martinez, California is Kathy Bernardez - State Farm Insurance Agent, rated 5.0 stars across 138 reviews. Other highly rated options include Farmers Insurance - Scott Alstad, Michelle Allman - State Farm Insurance Agent, Alissa Gutierres: Allstate Insurance. This directory lists 16 supplemental insurance agents serving Martinez.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kathy Bernardez - State Farm Insurance Agent | 837 Arnold Dr Suite 330 | (925) 520-0290 |
| 2 | Farmers Insurance - Scott Alstad | 2843 Alhambra Ave | (925) 313-9270 |
| 3 | Michelle Allman - State Farm Insurance Agent | 1320 Arnold Dr # 160 | (925) 228-0920 |
| 4 | Alissa Gutierres: Allstate Insurance | 3237 Alhambra Ave Ste 3 | (925) 201-6463 |
| 5 | SBW Insurance Services | 3755 Alhambra Ave #5 | (925) 374-5312 |
| 6 | Mark Woodard - State Farm Insurance Agent | 609 Main St | (925) 228-0196 |
| 7 | Bryce Stephens: Allstate Insurance | 1311 Pine St Ste H | (925) 372-8995 |
| 8 | Sam Limones - State Farm Insurance Agent | 6590 Alhambra Ave Ste 101 | (925) 944-9316 |
| 9 | Farmers Insurance - Paul Bickham | 827 Arnold Dr Ste 100 | (925) 228-3030 |
| 10 | Farmers Insurance - Kevin Cullop | 4041 Alhambra Ave Ste 103 | (925) 387-5226 |
Kathy Bernardez - State Farm Insurance Agent serves the Martinez, California area as a supplemental insurance agent. The company specializes in policies that help cover gaps left by primary health insurance. Many residents in this region seek additional financial protection for unexpected medical costs. The agency addresses these needs with tailored plans designed to complement existing coverage. Common policies include hospital indemnity and accident insurance.
Farmers Insurance - Scott Alstad provides supplemental insurance coverage designed to fill the gaps left by standard health plans and Medicare. The agency offers personalized consultations to help clients identify suitable supplemental policies, along with ongoing plan reviews to adjust coverage as life circumstances change. Located in Martinez, CA, this agency assists customers throughout the surrounding area. Its representatives work closely with each client to explain policy options and manage any claims. Farmers Insurance - Scott Alstad services single-family homes, apartments, retail, and restaurants seeking individual supplemental insurance solutions.
Homeowners, property managers, and small business owners in Martinez, CA, needing supplemental coverage can turn to Michelle Allman - State Farm Insurance Agent for personal and commercial policies. This supplemental insurance agent helps clients address coverage gaps left by primary health or property plans, including accident, hospital indemnity, and critical illness policies. Service is provided for those living or working in the Martinez area. The office also serves the surrounding East Bay communities such as Pleasant Hill and Concord.
Serving Martinez and the surrounding Contra Costa County communities, Alissa Gutierres: Allstate Insurance handles supplemental insurance policies that help cover out-of-pocket costs not paid by primary health plans. It works with clients to identify gaps in their existing coverage and offers plans that address specific needs like accident or critical illness expenses. To manage a typical job, the agent conducts a straightforward review of a client's current health coverage, then clearly presents supplemental options that might fit their personal situation.
SBW Insurance Services in Martinez, CA distinguishes between one-time policy purchases and recurring premium payment plans when offering supplemental insurance coverage. These policies help fill gaps left by primary health or Medicare plans, covering costs like copays and deductibles for local residents. The designated agent works with individuals to tailor coverage to their specific needs. Service is structured for as-needed consultations, with no long-term contract obligations unless a client chooses a recurring payment schedule.
As Martinez residents plan for the upcoming open enrollment period, many seek to fill the coverage gaps left by major medical plans. Mark Woodard - State Farm Insurance Agent works with local families to provide supplemental policies that help manage out-of-pocket costs. These options address common needs such as accident recovery or hospital stays. An initial assessment typically begins with a straightforward review of the client’s current coverage and personal budget.
As a supplemental insurance agent, Bryce Stephens: Allstate Insurance in Martinez, CA offers specialty policies that fill coverage gaps left by major medical plans, including accident, critical illness, and hospital indemnity plans. Its general service work involves guiding clients through the selection of additional protection to help manage out-of-pocket expenses. This local agency frequently assists families navigating coverage adjustments during open enrollment periods or after a change in employment.
Sam Limones – State Farm Insurance Agent in Martinez, CA, provides general property and casualty coverage while also specializing in supplemental insurance policies. These add-on plans help fill gaps left by major medical insurance, covering out-of-pocket costs like deductibles and copays. For local businesses, the agency addresses specific risk exposures across commercial sectors such as offices, warehouses, and food service operations.
Farmers Insurance - Paul Bickham serves residential clients in Martinez, California, by offering supplemental insurance policies that help cover gaps left by primary health or auto plans. The agency also provides commercial coverage for local small businesses, working with clients throughout the Martinez area. Each policy is reviewed carefully during the initial visit to identify specific coverage needs. After the first appointment, the agent follows up to ensure satisfaction and offers regular service check-ins between scheduled visits to update coverage as situations change.
Farmers Insurance - Kevin Cullop, based in Martinez, CA, is known for providing supplemental insurance policies that help cover gaps left by primary health or life plans. Its service range includes accident, critical illness, and hospital indemnity options. These plans offer fixed cash benefits directly to policyholders for covered events. Working independently from major medical carriers, the agency can tailor coverage to individual budget and risk needs. The firm’s specialty service includes adding on a dental and vision supplement to existing coverage.
What Does a a Supplemental Insurance Agent in Martinez Cost?
Supplemental insurance costs in California vary by plan type, age, and location. Medigap Plan G premiums in Martinez typically range from $120 to $250 per month for a 65-year-old. Medicare Advantage plans often have $0 premiums but may include copays for doctor visits or hospital stays. Dental and vision plans can cost $30 to $70 per month. This is general information, not insurance advice.
About supplemental insurance agents in Martinez
Supplemental insurance agents in Martinez, California help residents find policies that cover gaps in Medicare or employer health plans. California law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. Local agents understand the specific healthcare options available through Contra Costa Health Plan and other regional providers.
Frequently Asked Questions
What is a supplemental insurance agent in Martinez?
A supplemental insurance agent helps you buy policies like Medigap, Medicare Advantage, or dental and vision plans. In California, agents must be licensed and can explain how plans work with Original Medicare. They do not sell primary health insurance.
When can I enroll in a Medigap plan in California?
In California, you have a six-month Medigap open enrollment period that starts 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, you may face health questions or higher premiums.
Are there California rules for supplemental insurance agents?
Yes, California requires agents to provide a written outline of coverage and a buyer guide before you enroll. They must also follow the state rules on replacement policies and cannot use high-pressure sales tactics. You can verify an agents license on the California Department of Insurance website.
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