The top-rated supplemental insurance agent in Carmel, Indiana is Dean Ballenger Agency Inc, rated 5.0 stars across 610 reviews. Other highly rated options include Hittle Insurance, Adam Jurs State Farm Insurance Agency, Howard Medicare and Health Insurance. This directory lists 19 supplemental insurance agents serving Carmel.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dean Ballenger Agency Inc | 14767 Oak Rd | (317) 867-5433 |
| 2 | Hittle Insurance | 14801 Market Center Dr Suite 130 | (317) 895-5555 |
| 3 | Adam Jurs State Farm Insurance Agency | 718 Adams St # A | (317) 844-7243 |
| 4 | Howard Medicare and Health Insurance | 4933 Briarwood Ct | (317) 663-7602 |
| 5 | Penwell Insurance | 600 E Carmel Dr Suite 162 | (317) 559-3022 |
| 6 | BWC Insurance | 13295 Illinois St # 134 | (317) 324-1489 |
| 7 | ShieldPoint Insurance | 571 Monon Blvd Ste 200 | (317) 395-3877 |
| 8 | Shepherd Insurance | 111 Congressional Blvd Suite 200 | (317) 846-5554 |
| 9 | Binford Insurance | 600 E Carmel Dr #269 | (317) 588-3825 |
| 10 | Independent Senior Insurance, Inc | 3309 E 146th St | (317) 921-5919 |
Dean Ballenger Agency Inc serves the Carmel, Indiana area as a supplemental insurance agent. The agency helps clients bridge gaps in their primary health coverage by offering policies that pay cash benefits directly to them. These plans are typically used to cover out-of-pocket medical expenses not paid by major medical insurance, such as deductibles and copays. Common supplemental options it arranges include accident insurance and critical illness plans.
Hittle Insurance provides a range of supplemental insurance solutions designed to fill coverage gaps that standard policies may leave uncovered. Their service offerings include tailored support for clients seeking additional protection for health, life, or income needs, with maintenance plans focused on periodic policy reviews to ensure coverage remains relevant. Operating in Carmel, IN, the agency services single-family homes, apartments, retail establishments, and restaurants throughout the local area.
Adam Jurs State Farm Insurance Agency serves homeowners, renters, and small business owners in Carmel, IN, by providing supplemental insurance policies that help cover gaps left by major medical plans. These accident, hospital indemnity, and critical illness plans offer financial protection when unexpected health events arise. The agency also assists property managers and local entrepreneurs with tailored coverage to safeguard their assets and income. In addition to the Carmel area, it serves clients throughout Hamilton County, including nearby Noblesville.
Serving the residents of Carmel, Indiana, and the surrounding communities, Howard Medicare and Health Insurance specializes as a supplemental insurance agent, handling Medicare supplements, Medigap plans, and other ancillary health coverage options. The company works to help individuals navigate their choices during enrollment periods. For a typical job, its general approach involves first reviewing a client's current coverage and needs before presenting plan options that fill gaps in original Medicare, often covering out-of-pocket costs like copays and deductibles.
Penwell Insurance specializes in offering supplemental insurance policies that help cover costs not fully addressed by primary health plans, such as accident, critical illness, and hospital indemnity coverage. Serving the Carmel, Indiana area, the agency assists clients in selecting suitable plans to manage out-of-pocket expenses and income loss from unexpected medical events. They work with individuals and families to explain policy details and enrollment options clearly. During open enrollment periods or following a sudden health crisis, Penwell Insurance provides guidance on bridging gaps in existing coverage.
As Carmel residents begin to plan their annual health coverage during the Medicare open enrollment period, BWC Insurance provides specialized guidance on supplemental plans that fill gaps left by primary policies. This locally based agent helps individuals evaluate cost-sharing options for deductibles and out-of-pocket expenses that often surprise retirees. For each new client, the process begins with a no-obligation review of existing coverage to identify potential shortfalls.
ShieldPoint Insurance works as a supplemental insurance agent in Carmel, IN, helping clients fill coverage gaps left by standard health plans. The agency specializes in add-on policies such as accident and critical illness protection. By evaluating individual needs, it matches customers with targeted plans that provide financial support during unexpected medical events. Its services are available to a range of commercial sectors, including professional offices, warehouses, and food service operations.
Shepherd Insurance serves homeowners, business owners, and property managers in the Carmel, Indiana area by evaluating their coverage needs and offering supplemental insurance policies to fill gaps in standard plans. The agency works with clients to explain how additional protection can cover deductibles or common exclusions in primary policies. Its services extend to residents and commercial operators in the surrounding metro region, including Fishers and the broader Hamilton County area.
Binford Insurance serves residential clients in the Carmel, Indiana area who need supplemental coverage for expenses not fully addressed by primary health plans. The agency also assists local commercial clients seeking similar gap protection for their businesses. They work closely with policyholders to explain supplemental plan options and tailor coverage to individual situations during the initial enrollment. Following each scheduled health event or claim, the agency provides follow-up service to ensure proper application of benefits before the next regular visit or policy review.
What Does a a Supplemental Insurance Agent in Carmel Cost?
Costs for supplemental insurance in Indiana vary widely by policy type age and health status. Medicare Supplement Plan G for a 65-year-old in Carmel typically ranges from $120 to $200 per month. Dental and vision plans may cost $30 to $80 monthly. Hospital indemnity plans often run $50 to $150 per month. Agent commissions are paid by the insurance company so you usually do not pay extra for agent services. This is general information and not insurance advice.
About supplemental insurance agents in Carmel
Supplemental insurance agents in Carmel Indiana help residents fill gaps in their primary health coverage. Indiana law requires agents to be licensed by the Indiana Department of Insurance and follow specific rules for selling Medicare supplements and other policies. Local agents understand the needs of Hamilton County residents and can explain how state regulations affect your coverage choices.
Frequently Asked Questions
What does a supplemental insurance agent in Carmel do?
A supplemental insurance agent helps you find policies that cover costs not paid by your main health plan. This includes Medicare Supplement plans Medigap dental vision and hospital indemnity insurance. The agent compares options from multiple carriers to find a plan that fits your budget and health needs.
Do I need a license to sell supplemental insurance in Indiana?
Yes all insurance agents in Indiana must hold a valid license from the Indiana Department of Insurance. They must complete continuing education courses and pass background checks. You can verify an agents license on the Indiana Department of Insurance website before working with them.
Are there time limits for buying Medicare supplements in Indiana?
Yes Indiana follows federal rules for Medicare Supplement Open Enrollment. This six-month period 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 window insurers may deny coverage or charge higher rates based on health history.
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