The top-rated supplemental insurance agent in Lewiston, Idaho is Melody Sandahl - State Farm Insurance Agent, rated 5.0 stars across 802 reviews. Other highly rated options include Taylor Forge - State Farm Insurance Agent, Murray Insurance, Bruce Wyatt - State Farm Insurance Agent. This directory lists 20 supplemental insurance agents serving Lewiston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melody Sandahl - State Farm Insurance Agent | 1442 Idaho St | (208) 816-4823 |
| 2 | Taylor Forge - State Farm Insurance Agent | 2270 Thain Grd #103 | (208) 746-7052 |
| 3 | Murray Insurance | 1920 19th Ave | (208) 743-4880 |
| 4 | Bruce Wyatt - State Farm Insurance Agent | 502 Thain Rd | (208) 743-6249 |
| 5 | Martin Insurance Inc | 1122 Idaho St | (208) 743-6543 |
| 6 | American Insurance | 55 Southway Ave | (208) 746-9646 |
| 7 | Farm Bureau Insurance - Robie & Orellana Insurance Agency | 609 Bryden Ave | (208) 758-9010 |
| 8 | Richard Woods | 1053 21st St | (208) 746-7046 |
| 9 | Clearwater Insurance- Camas Prairie Insurance | 701 Bryden Ave | (208) 746-6184 |
| 10 | clearwater ins | 630 Preston Ave | — |
Melody Sandahl - State Farm Insurance Agent serves the Lewiston, Idaho area as a local supplemental insurance agent. This agency helps individuals and families bridge coverage gaps that major medical plans often leave behind. Working with standard health policies, the company offers financial protection for unexpected events and out-of-pocket costs. Common scenarios covered include hospital stays, critical illness diagnoses, and accident recovery expenses. The office specializes in providing hospital indemnity plans and accident medical coverage to local residents.
Taylor Forge - State Farm Insurance Agent serves homeowners, renters, and small business owners in the Lewiston area by providing supplemental insurance products designed to fill coverage gaps left by primary health or property plans. Such policies can include accident, critical illness, and hospital indemnity options tailored to local needs. Clients receive personalized guidance on plan selection and claims support from an experienced agent. The agency also serves clients in the neighboring communities of Clarkston, Washington, just across the Snake River.
Murray Insurance provides supplemental insurance services in the Lewiston, Idaho area, offering coverage options designed to fill gaps left by primary health plans. Its service approach includes helping clients understand available policies and assisting with claims support throughout the year. Routine maintenance of coverage involves annual policy reviews to adjust benefits as circumstances change. The agency services a variety of property types, including single-family homes, apartments, retail businesses, and restaurants.
Bruce Wyatt - State Farm Insurance Agent serves clients in Lewiston, Idaho, and the surrounding communities of the Lewis-Clark Valley. This agency handles supplemental insurance products that help cover gaps left by primary health plans, including accident, critical illness, and hospital indemnity policies. Each client’s situation is reviewed individually to identify coverage needs and explain how supplemental benefits apply to specific medical events. The agent organizes a clear, step-by-step consultation, comparing policy options side by side so the customer understands what each plan adds to their existing coverage.
Martin Insurance Inc in Lewiston, ID offers supplemental insurance by distinguishing between one-time products, such as short-term hospital indemnity plans, and recurring coverage like monthly gap policies that renew automatically. Their typical policies help cover out-of-pocket expenses not addressed by standard health insurance, including deductibles and co-pays in this region. For convenience, their services can be arranged on a one-time, scheduled, or as-needed basis to align with each client's specific enrollment preference.
As a supplemental insurance agent in Lewiston, Idaho, American Insurance specializes in offering policies that cover gaps left by primary health or Medicare plans. It provides general service work by helping clients select coverage for needs such as accidents, critical illness, or hospital indemnity. The company assists local residents in reviewing their existing benefits to avoid unexpected out-of-pocket costs. Its support is especially valuable during open enrollment periods or after a major medical event that changes one's coverage requirements.
Winter weather and unexpected medical bills can strain a Lewiston household budget. Farm Bureau Insurance, operating locally as the Robie & Orellana Insurance Agency, helps residents fill gaps with supplemental coverage that traditional health plans often exclude. As a supplemental insurance agent in this area, the agency works with clients to understand hospital indemnity, accident, or critical illness policies. Each case begins with a no-obligation, in-person review of the applicant's current benefits to identify specific coverage needs.
Richard Woods operates as a supplemental insurance agent in Lewiston, Idaho, offering policies that fill gaps left by standard health plans. His work typically includes presenting and enrolling clients in accident, critical illness, and hospital indemnity coverage to manage out-of-pocket costs. As a local professional in this category, he assists individuals and businesses in the area with selecting appropriate supplementary protection. His services commonly extend to commercial clients, including offices, warehouses, and food service establishments requiring supplemental benefits for their employees.
Clearwater Insurance- Camas Prairie Insurance offers supplemental insurance services to residents around Lewiston, Idaho. Commercial coverage is also provided, helping local businesses address gaps in their primary health or disability policies. Their service area encompasses Lewiston and the surrounding communities in the region. Between regular office visits, agents assist clients with filing claims, updating beneficiary information, or reviewing policy changes to ensure continuous, responsive support at each follow-up.
What Does a a Supplemental Insurance Agent in Lewiston Cost?
Supplemental insurance agent services in Idaho are typically free to the consumer because agents earn commissions from insurance companies. Medigap Plan G premiums in Idaho range from about $100 to $250 per month for a 65-year-old, depending on health status and location. Medicare Advantage plans often have low or zero monthly premiums but may have higher out-of-pocket costs. Costs vary by plan, age, and health history. This is general information, not insurance advice.
About supplemental insurance agents in Lewiston
Supplemental insurance agents in Lewiston, Idaho help residents choose Medigap or Medicare Advantage plans that work with original Medicare. Idaho law requires agents to be licensed through the Idaho Department of Insurance and follow strict rules about plan comparisons. Local agents understand the specific needs of Lewiston residents, including access to regional healthcare providers like St. Joseph Regional Medical Center.
Frequently Asked Questions
What is a supplemental insurance agent in Lewiston?
A supplemental insurance agent in Lewiston helps you buy Medigap or Medicare Advantage plans. These plans cover costs not paid by original Medicare, such as copayments and deductibles. Agents must be licensed in Idaho and can explain how different plans work with local doctors and hospitals.
When can I enroll in a Medigap plan in Idaho?
In Idaho, 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, insurers may ask health questions and could deny coverage or charge higher premiums.
Are there Idaho rules about Medicare Advantage plans?
Yes, Idaho follows federal Medicare Advantage rules but also requires agents to clearly explain plan differences. In Idaho, you can switch Medicare Advantage plans during the annual enrollment period from October 15 to December 7. Idaho also has a special enrollment period for those who move out of a plans service area.
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