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Find Supplemental Insurance Agents Near You in Santa Cruz, CA

Browse supplemental insurance agents serving Santa Cruz, California. Updated 2026-07-14.

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.

Showing 19 supplemental insurance agents in Santa Cruz, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Chris Buich - State Farm Insurance Agent2222 E Cliff Dr Ste 200(831) 464-4300
2Lydia Harville - State Farm Insurance Agent1044 41st Ave(831) 476-6665
3O'Brien Insurance Agency1722 Seabright Ave(831) 621-1311
4DCD Financial & Insurance Services1123 Soquel Ave(831) 423-8542
5Paul Nelson Insurance Services730 Mission St #201(831) 426-9900
6Skip Leonard - State Farm Insurance Agent1101 Water St(831) 429-2700
7Ace Althouse - State Farm Insurance Agent1215 Mission St(831) 420-1555
8Shockley Insurance Solutions519 Seabright Ave Suite #213(831) 600-8755
9Erin Irvine Independent Insurance Producer406 Mission St # F(408) 316-5362
10HealthMarkets Insurance - Manfred Luedge505-A River St(831) 750-9343
CB
2222 E Cliff Dr Ste 200
Chris Buich - State Farm Insurance Agent
Supplemental Insurance Agent · Santa Cruz, CA

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.

LH
1044 41st Ave
Lydia Harville - State Farm Insurance Agent
Supplemental Insurance Agent · Santa Cruz, CA

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.

OB
1722 Seabright Ave
O'Brien Insurance Agency
Supplemental Insurance Agent · Santa Cruz, CA

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.

DF
1123 Soquel Ave
DCD Financial & Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA

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.

PN
730 Mission St #201
Paul Nelson Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA

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.

SL
1101 Water St
Skip Leonard - State Farm Insurance Agent
Supplemental Insurance Agent · Santa Cruz, CA

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.

AA
1215 Mission St
Ace Althouse - State Farm Insurance Agent
Supplemental Insurance Agent · Santa Cruz, CA

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.

SI
519 Seabright Ave Suite #213
Shockley Insurance Solutions
Supplemental Insurance Agent · Santa Cruz, CA

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.

EI
406 Mission St # F
Erin Irvine Independent Insurance Producer
Supplemental Insurance Agent · Santa Cruz, CA

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.

HI
505-A River St
HealthMarkets Insurance - Manfred Luedge
Supplemental Insurance Agent · Santa Cruz, CA
BN
2035 N Pacific Ave
Bedell & Nelson-Harbert Insurance
Supplemental Insurance Agent · Santa Cruz, CA
(831) 426-3700
CP
2035 N Pacific Ave ste a
Clarion Pacific Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA
(831) 337-4661
clarionpacificinsurance.com
DR
542 Ocean St #J
D and R Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA
(831) 427-3272
mercuryinsurance.com/local/d-and-r-insurance-services-045022.html
SI
133 Mission St
SteelBridge Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA
(831) 226-8500
PB
9035 Soquel Ave #200
Progressive Benefit Group
Supplemental Insurance Agent · Santa Cruz, CA
(877) 724-7187
progressivebenefit.com
CI
201 River St Suite 102
Cecy Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA
(831) 477-1730
cecyinsurance.com
SC
125 Mission St # 1
Santa Cruz Health & Life Insurance
Supplemental Insurance Agent · Santa Cruz, CA
(831) 426-7200
PI
877 Cedar St #150
Pozos Insurance Services Inc
Supplemental Insurance Agent · Santa Cruz, CA
(831) 713-6438
pozosinsuranceservices.net
PI
9035 Soquel Ave STE 105
Prinz Insurance Services
Supplemental Insurance Agent · Santa Cruz, CA
(831) 475-4091
ca-ins.com

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.

Supplemental Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each supplemental insurance agent's credentials and current standing with your state Department of Insurance.