The top-rated supplemental insurance agent in Santa Cruz, California is Chris Buich - State Farm Insurance Agent, rated 4.9 stars across 412 reviews. Other highly rated options include Lydia Harville - State Farm Insurance Agent, O'Brien Insurance Agency, DCD Financial & Insurance Services. This directory lists 19 supplemental insurance agents serving Santa Cruz.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chris Buich - State Farm Insurance Agent | 2222 E Cliff Dr Ste 200 | (831) 464-4300 |
| 2 | Lydia Harville - State Farm Insurance Agent | 1044 41st Ave | (831) 476-6665 |
| 3 | O'Brien Insurance Agency | 1722 Seabright Ave | (831) 621-1311 |
| 4 | DCD Financial & Insurance Services | 1123 Soquel Ave | (831) 423-8542 |
| 5 | Paul Nelson Insurance Services | 730 Mission St #201 | (831) 426-9900 |
| 6 | Skip Leonard - State Farm Insurance Agent | 1101 Water St | (831) 429-2700 |
| 7 | Ace Althouse - State Farm Insurance Agent | 1215 Mission St | (831) 420-1555 |
| 8 | Shockley Insurance Solutions | 519 Seabright Ave Suite #213 | (831) 600-8755 |
| 9 | Erin Irvine Independent Insurance Producer | 406 Mission St # F | (408) 316-5362 |
| 10 | HealthMarkets Insurance - Manfred Luedge | 505-A River St | (831) 750-9343 |
Chris Buich - State Farm Insurance Agent in Santa Cruz, California, specializes as a supplemental insurance agent, offering policies that bridge gaps left by primary health coverage. It assists local residents with plans for accident recovery, critical illness, and hospital confinement expenses. Beyond these specialty services, the agency provides general advice on insurance options and helps clients review their existing coverage. As open enrollment periods or sudden medical events arise for Santa Cruz families, this office helps them secure additional financial protection to manage unexpected out-of-pocket costs.
Lydia Harville - State Farm Insurance Agent serves the Santa Cruz, California, metro area as a supplemental insurance agent. This agency assists local residents by offering policies that help cover costs not addressed by primary health plans. Clients can explore options for additional financial protection during unexpected medical events or hospital stays. The agent handles specific supplemental insurance services such as accident and critical illness coverage in this Santa Cruz community.
O'Brien Insurance Agency in Santa Cruz, California, provides supplemental insurance coverage that fills gaps left by major medical plans, offering policies that help with out-of-pocket expenses. Its service includes helping clients understand and select plans for specific needs, such as accident or critical illness protection, and assisting with claims and policy maintenance. The agency serves local property owners, including those with single-family homes, apartments, retail spaces, and restaurants.
DCD Financial & Insurance Services serves homeowners, businesses, and property managers in Santa Cruz, California, by offering supplemental insurance policies designed to fill coverage gaps left by standard plans. It helps clients manage out-of-pocket costs and protect assets with tailored options. The agency also extends its supplemental insurance agent services to the neighboring community of Capitola and the surrounding Santa Cruz County area, ensuring broader access to financial protection for local residents and commercial property owners.
Serving Santa Cruz and the surrounding communities, Paul Nelson Insurance Services handles supplemental insurance coverage that helps fill gaps left by primary health plans. This local agency assists clients with policies for specific needs such as accident, hospital, or critical illness expenses. Each typical job is approached by carefully reviewing an individual’s existing coverage and then recommending appropriate supplemental options to address any uncovered costs.
For one-time needs like short-term gap coverage, or permanent extended plans such as accident or critical illness insurance, the agency clarifies the distinction. Supplemental policies offered here fill coverage limitations left by standard health plans. Common options provide fixed cash benefits paid directly to the policyholder for specific medical events or hospital stays. Service for these products runs on an as-needed basis, arranged whenever a client requires a plan review or new policy enrollment.
Ace Althouse - State Farm Insurance Agent in Santa Cruz specializes in supplemental insurance policies, including options that help cover gaps left by major medical plans. The agency also offers general automobile, homeowners, and life insurance services to area residents. Supplemental insurance provides valuable financial support for coinsurance, deductibles, and other out-of-pocket medical expenses that may arise. This assistance is particularly helpful during open enrollment season and when navigating unexpected health events that standard plans may not fully address.
As the summer season increases outdoor activity around Santa Cruz, the need for tailored coverage to supplement existing health plans becomes common. Shockley Insurance Solutions works with residents to identify gaps in protection that major medical policies may leave. They concentrate on policies addressing accident or critical illness expenses. Through a personalized discussion, they can clarify how supplemental insurance fills financial shortfalls. A thorough initial in-person or phone assessment follows to match prospective clients with appropriate offerings that fit their everyday lives.
Erin Irvine Independent Insurance Producer in Santa Cruz, California works primarily with supplemental insurance, offering policies that cover gaps left by major medical plans. This local agent helps clients manage out-of-pocket costs from accidents, critical illnesses, or hospital stays. Customers benefit from personalized guidance on selecting additional coverage to meet individual health needs. The company serves a range of commercial sectors, providing supplemental insurance solutions for offices, warehouses, and food service operations.
What Does a a Supplemental Insurance Agent in Santa Cruz Cost?
Supplemental insurance costs in California vary by plan type, age, and location. Medigap Plan G premiums for a 65 year old in Santa Cruz typically range from 120 to 250 dollars per month. Medicare Advantage plans often have lower monthly premiums, sometimes 0 to 50 dollars, but may have higher out of pocket costs. Costs can change each year. This is general information, not insurance advice.
About supplemental insurance agents in Santa Cruz
Supplemental insurance agents in Santa Cruz, California help residents find policies that cover gaps in original Medicare or health plans. California law requires agents to be licensed by the California Department of Insurance and follow strict rules about plan comparisons. Local agents often assist clients in Santa Cruz County with Medigap plans, Medicare Advantage, and dental or vision add-ons.
Frequently Asked Questions
What is a supplemental insurance agent in Santa Cruz?
A supplemental insurance agent in Santa Cruz helps you find policies that cover expenses not paid by original Medicare or your health plan. They are licensed by the California Department of Insurance and can show you plans from multiple carriers.
How do California rules affect supplemental insurance in Santa Cruz?
California has a Medigap open enrollment period that starts when you turn 65 and enroll in Medicare Part B. During this time, you cannot be denied a Medigap policy due to health conditions. Agents must follow state rules on plan presentation and cannot charge extra fees.
What types of supplemental plans are available in Santa Cruz?
Common supplemental plans include Medigap plans A through N, Medicare Advantage plans, and standalone dental or vision policies. Agents in Santa Cruz can explain the differences and help you choose based on your budget and health needs.
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