The top-rated supplemental insurance agent in Madison, Connecticut is Farmers Insurance - Carmelo Pistritto, rated 5.0 stars across 30 reviews. Other highly rated options include Lauren LaTorre-Osterling - State Farm Insurance Agent, Carl Jeppesen: Allstate Insurance, Senior Health and Retirement Services. This directory lists 10 supplemental insurance agents serving Madison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Carmelo Pistritto | 724 Boston Post Rd Ste 302a-B | (860) 665-1204 |
| 2 | Lauren LaTorre-Osterling - State Farm Insurance Agent | 38 Academy St | (203) 245-4555 |
| 3 | Carl Jeppesen: Allstate Insurance | 1 Orchard Park Rd Ste 12 | (203) 245-7794 |
| 4 | Senior Health and Retirement Services | 71 Bradley Rd UNIT 11 | (860) 664-5596 |
| 5 | Nationwide Insurance: Michael Silberberg | 145 Durham Rd STE 5 | (203) 245-4311 |
| 6 | Kearney Insurance Agency LLC | 78 Bradley Rd 2nd floor | (203) 245-1238 |
| 7 | McLaughlin Associates Insurance Agency | 106 Wall St | (203) 245-8287 |
| 8 | Karen E Buck - Aflac Insurance Agent | 71 Deepwood Dr | (203) 687-7943 |
| 9 | Northeastern Underwriters Ltd | 5 Linden Ln | (203) 245-7169 |
| 10 | Cretella & Belowsky Insurance | 2 Samson Rock Dr | (203) 245-4107 |
Farmers Insurance - Carmelo Pistritto serves Madison, Connecticut, as a supplemental insurance agent offering policies that cover gaps left by standard health plans. These plans help residents manage out-of-pocket costs from accidents or critical illnesses. The agency works with local clients to explain benefits and choose coverage suited to their needs. Specific services handled include accident insurance to pay for unexpected medical bills and hospital indemnity plans that provide fixed cash payments during a covered hospital stay.
Lauren LaTorre-Osterling - State Farm Insurance Agent offers supplemental insurance options, including accident, critical illness, and hospital indemnity plans. Routine policy reviews and claim assistance are available to help clients understand their coverage. For those in Madison, CT, the agency services individual households, apartment dwellers, and local retail businesses. It also assists small restaurants seeking to protect their operations and employees.
Carl Jeppesen: Allstate Insurance in Madison, CT serves homeowners, renters, and small business owners in the local area. As a supplemental insurance agent, the agency offers policies that fill gaps in standard coverage, helping clients manage deductibles and unexpected costs. This work includes accident, critical illness, and hospital indemnity plans designed to provide additional financial protection. The agency also extends its services to clients in the neighboring communities of Guilford and Clinton along the Connecticut shoreline.
Serving Madison and the surrounding shoreline communities in Connecticut, Senior Health and Retirement Services handles Medicare supplements, cancer policies, and critical care plans for local residents. The agency assists clients in navigating their options for filling gaps in traditional health coverage. Evaluating each individual's current medical needs and financial situation thoroughly, it recommends specific plans accordingly. This review process guides the selection of a supplemental policy, followed by a straightforward enrollment handled directly with the client.
Nationwide Insurance: Michael Silberberg in Madison, CT offers supplemental insurance agents who help clients distinguish between policies that provide a single, one-time payment for a specific event and those that deliver recurring benefits over time. The coverage typically fills gaps left by major medical plans, addressing out-of-pocket costs like deductibles or copays for accidents or critical illnesses. Service is available on a one-time or as-needed basis depending on the client’s individual needs.
Kearney Insurance Agency LLC in Madison, CT specializes in helping clients fill gaps in their primary health coverage with supplemental insurance plans, such as policies for accident, critical illness, and hospital indemnity. The agency also assists individuals and families by explaining how these plans can reduce out-of-pocket costs not covered by major medical insurance. As colder weather increases the risk of seasonal illnesses and indoor accidents, the agency can help clients review their policies to ensure adequate protection during winter.
As summer storms approach, homeowners along the Connecticut shoreline often seek ways to cover deductibles or gap expenses not handled by major medical plans. McLaughlin Associates Insurance Agency in Madison helps local clients navigate these supplemental insurance gaps, explaining how modest monthly policies can offset out-of-pocket costs from accidents or routine care. Licensed agents focus on matching plans to individual budgets and health concerns without high-pressure sales. An initial consultation typically begins with a brief review of existing coverage and a no-cost assessment of potential supplemental needs.
Karen E Buck - Aflac Insurance Agent, based in Madison, CT, offers supplemental insurance policies designed to cover expenses not addressed by major medical plans. The company specializes in accident, critical illness, and hospital indemnity add-ons. Clients receive cash benefits directly, which help with deductibles, copays, and everyday living costs during recovery. Supporting local businesses, the agency serves commercial sectors including offices, warehouses, distribution centers, and food service operations throughout the area.
Northeastern Underwriters Ltd. provides supplemental insurance services to residential clients in Madison, Connecticut, helping fill gaps in existing health coverage. Commercial policies are also available for local businesses needing additional protection. Serving the Madison area, the agency assists with claims processing and policy reviews to ensure clients understand their supplemental benefits. Between scheduled visits, policyholders may contact the office for follow-up assistance and routine adjustments to their coverage.
Based in Madison, Connecticut, Cretella & Belowsky Insurance assists residents in the area with their supplemental insurance needs, offering coverage for gaps not addressed by standard policies. The agency also provides similar insurance solutions for commercial clients throughout the region. For policyholders requiring ongoing protection, the firm conducts scheduled follow-up inquiries between regular premium cycles, ensuring coverage remains aligned with any changes in circumstances or health.
What Does a a Supplemental Insurance Agent in Madison Cost?
Supplemental insurance agent services in Connecticut are typically free to the consumer because agents earn commissions from insurance carriers. Medigap plan premiums in Madison can range from about 100 dollars to 300 dollars per month depending on age gender and plan type. Medicare Advantage plans often have low or zero monthly premiums but may include copays and deductibles. This is general information and not insurance advice.
About supplemental insurance agents in Madison
Supplemental insurance agents in Madison Connecticut help residents choose Medigap or Medicare Advantage plans that cover gaps in Original Medicare. Connecticut state law provides a guaranteed issue right for Medigap plans during the six-month open enrollment period starting when you turn 65 and enroll in Part B. Local agents can also explain how Connecticut regulations protect your ability to switch plans without medical underwriting in certain situations.
Frequently Asked Questions
What is the role of a supplemental insurance agent in Madison?
A supplemental insurance agent helps you compare Medigap and Medicare Advantage plans from different carriers. They explain plan benefits, costs, and how each policy works with Original Medicare. In Connecticut agents must be licensed by the state Insurance Department.
When can I enroll in a Medigap plan in Connecticut?
You have a six-month Medigap open enrollment period that starts when you are 65 or older and enrolled in Medicare Part B. During this time you can buy any Medigap policy without medical underwriting. Connecticut also offers a guaranteed issue right for certain situations like losing employer coverage.
Are there Connecticut-specific rules for Medicare supplements?
Yes Connecticut requires Medigap insurers to offer plans A B C D F G K L M and N to eligible residents. The state also mandates that insurers cannot deny coverage or charge higher premiums based on health status during the open enrollment period. Connecticut does not allow Medigap plans to cover the Part B deductible for new enrollees after 2020.
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