The top-rated supplemental insurance agent in San Ramon, California is Alex Mutch - State Farm Insurance Agent, rated 5.0 stars across 187 reviews. Other highly rated options include Farmers Insurance - Subrata Saha, Onstad's Insurance Agency, Roger Fernando - State Farm Insurance Agent. This directory lists 18 supplemental insurance agents serving San Ramon.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Alex Mutch - State Farm Insurance Agent | 3 Crow Canyon Ct Ste 250 | (925) 575-9114 |
| 2 | Farmers Insurance - Subrata Saha | 12903 Alcosta Blvd Ste 2c | (925) 973-9031 |
| 3 | Onstad's Insurance Agency | 3130 Crow Canyon Pl Suite 425 | (925) 866-1444 |
| 4 | Roger Fernando - State Farm Insurance Agent | 2200 Camino Ramon | (925) 244-1700 |
| 5 | James H Foster Jr - State Farm Insurance Agent | 2819 Crow Canyon Rd #102 | (925) 820-1100 |
| 6 | Farmers Insurance - Tony Guerrero | 3180 Crow Canyon Pl UNIT 220 | (925) 242-0684 |
| 7 | Health Trust Insurance CA | 3056 Lakemont Dr | (650) 459-3514 |
| 8 | Guardian Insurance Agency LLC | 2206 Camino Ramon | — |
| 9 | Michael Smith Insurance Solutions | 2010 Crow Canyon Pl #100 | (925) 683-9743 |
| 10 | Trouette Insurance | 2415 San Ramon Valley Blvd STE 4-415 | (925) 327-1020 |
Alex Mutch - State Farm Insurance Agent serves the San Ramon, California area as a supplemental insurance agent. The company specializes in insurance products that fill coverage gaps not addressed by primary health plans. Policies often help cover deductibles, copayments, and other out-of-pocket medical expenses. Clients in the region can access policies designed to support financial stability during unexpected health events. Common products handled include accident insurance and hospital indemnity plans, which provide fixed cash benefits for specific medical incidents.
Farmers Insurance - Subrata Saha in San Ramon, CA, offers a range of supplemental insurance services, including accident, critical illness, and hospital indemnity plans. These policies help cover out-of-pocket expenses that major medical insurance does not pay, providing financial support for deductibles and copays. The agency assists clients with plan selection and claims submission, ensuring coverage remains aligned with changing needs. Its service portfolio addresses risk protection for various property types, including single-family homes, apartments, retail establishments, and local restaurants.
Homeowners, businesses, and property managers in San Ramon, CA, turn to Onstad's Insurance Agency for supplemental insurance. These policies help fill gaps left by primary coverage, offering extra financial protection against deductibles or uncovered liabilities. The agency guides each client through available plan options to find a suitable fit for their specific needs. It provides clear explanations of policy limits and exclusions. Its service area also extends into the neighboring community of Danville within the San Ramon Valley area.
Roger Fernando - State Farm Insurance Agent serves the San Ramon, California area and surrounding communities. It handles supplemental insurance policies, including plans that help cover expenses beyond primary medical coverage, such as accident and hospital indemnity benefits. The agency approaches each customer conversation by reviewing individual coverage gaps and explaining policy options clearly, allowing clients to make informed choices about filling those gaps with appropriate supplemental products.
James H Foster Jr - State Farm Insurance Agent, located in San Ramon, CA, provides supplemental insurance options that function alongside primary health or life policies to cover gaps left by standard plans. These policies are generally offered either as one-time purchases or as ongoing coverage with renewable terms. Supplemental insurance agents in this area typically help clients choose plans for specific needs such as accident recovery or critical illness. Service arrangements are available on an as-needed basis, allowing clients to request policy reviews or updates whenever their personal situation changes.
Farmers Insurance - Tony Guerrero in San Ramon, CA specializes in supplemental insurance such as accident, critical illness, and hospital indemnity plans. It also provides general coverage for individuals and families to fill gaps in standard health policies. Agents guide clients through selecting policies that address out-of-pocket costs from deductibles and copays. As the winter season nears, the agency helps customers prepare against rising medical expenses tied to seasonal flu or unexpected injuries in colder weather.
Health Trust Insurance CA serves residents of San Ramon and the surrounding communities with supplemental insurance coverage tailored to individual needs. Their services also extend to local businesses seeking plans for commercial clients. Acting as an agent, the company connects customers with policies that help fill gaps left by primary health coverage. They provide ongoing support by assisting with claims and policy adjustments during scheduled check-ins, ensuring coverage remains aligned with changing circumstances between regular visits.
Michael Smith Insurance Solutions serves the San Ramon, California area and the surrounding Contra Costa County region as a supplemental insurance agent. The firm helps clients address coverage gaps that primary health plans do not fully cover. Common needs include protection against high out-of-pocket medical costs and income loss during unexpected health events. The agency also assists with claims assistance and policy selection. Its focused services include accident and critical illness insurance policies.
Trouette Insurance in San Ramon, CA, is known for providing supplemental insurance policies that help cover gaps left by major medical plans. These plans often address out-of-pocket costs from accidents or critical illnesses. In this area, supplemental insurance can assist with deductibles and copays associated with hospital stays or surgeries. The company supports clients in choosing coverage that aligns with their specific health needs and financial situations. For added protection, Trouette Insurance specializes in customizing accident plans to complement existing health coverage.
What Does a a Supplemental Insurance Agent in San Ramon Cost?
Supplemental insurance costs vary by plan type age and location. In California Medigap Plan G premiums for a 65-year-old in San Ramon typically range from $120 to $250 per month. Medicare Advantage plans may have $0 premiums but higher out-of-pocket costs. This is general information not insurance advice.
About supplemental insurance agents in San Ramon
Supplemental insurance agents in San Ramon help residents choose Medigap or Medicare Advantage plans. California law guarantees a 30-day free look period for Medigap policies. Local agents can explain how state regulations affect your coverage options.
Frequently Asked Questions
What is a supplemental insurance agent in San Ramon?
A supplemental insurance agent helps you buy policies that fill gaps in Medicare coverage. These agents are licensed in California and must follow state rules about plan disclosure and enrollment.
When can I enroll in a Medigap plan in California?
You have a six-month Medigap open enrollment period starting when you are 65 and enrolled in Medicare Part B. During this time you cannot be denied coverage for health reasons.
Do California agents have to show all plan options?
Yes. California law requires agents to show you a range of plans from different carriers. They must also provide a written outline of coverage before you buy.
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