The top-rated supplemental insurance agent in Valparaiso, Indiana is Shurr Insurance, rated 4.9 stars across 450 reviews. Other highly rated options include Trish Geyer: Allstate Insurance, Sam Allie - State Farm Insurance Agent, Valparaiso First Insurance, Inc. This directory lists 20 supplemental insurance agents serving Valparaiso.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shurr Insurance | 833 Lincolnway | (219) 462-1146 |
| 2 | Trish Geyer: Allstate Insurance | 402 Wall St #61 | (219) 844-7420 |
| 3 | Sam Allie - State Farm Insurance Agent | 3809 N Calumet Ave | (219) 663-8799 |
| 4 | Valparaiso First Insurance, Inc | 9 Franklin St | (219) 462-4334 |
| 5 | Raines Insurance Group | 251 Indiana Ave | (219) 561-0102 |
| 6 | Todd Laczynski Agency INC American Family Insurance | 2502 Beech St STE 70 | (219) 531-9332 |
| 7 | Shepherd Insurance | 2600 Roosevelt Rd Suite 2007 | (219) 465-6530 |
| 8 | General Insurance Services | 407 E Lincolnway | (219) 464-3511 |
| 9 | Shelter Insurance - Erin Valdivia | 403 Lincolnway Ste A | (219) 464-3493 |
| 10 | Burt Insurance | 415 McKinley St | (219) 462-7901 |
Shurr Insurance serves the Valparaiso area of Porter County, Indiana, as a supplemental insurance agent. This company helps residents address gaps in their primary health coverage by offering policies designed to manage out-of-pocket expenses. Supplemental insurance typically provides fixed cash benefits for specific medical events, such as hospital stays or critical illness diagnoses. A local agent can guide clients through plan options that complement Medicare or employer-based insurance. Shurr Insurance handles both accident and hospital indemnity plans to meet regional coverage needs.
Trish Geyer: Allstate Insurance provides supplemental insurance agent services designed to bridge coverage gaps in existing health or life policies. Its service and maintenance plans include regular policy reviews to help ensure all coverage remains aligned with changing medical or financial needs. Clients may continue adjusting supplemental plans as necessary over the policy period. The company services single-family homes, apartments, retail locations, and restaurants.
Sam Allie - State Farm Insurance Agent in Valparaiso, IN, serves homeowners, businesses, and property managers seeking supplemental insurance coverage to fill gaps in existing policies. The agency assists clients with options like accident, critical illness, and hospital indemnity plans, providing additional financial protection. Coverage helps local residents and commercial property owners manage unexpected out-of-pocket costs. The agency also serves the surrounding communities, including Portage, IN, along the Lake Michigan shoreline.
Valparaiso First Insurance, Inc serves the Valparaiso, Indiana area and surrounding communities, helping individuals and families with supplemental insurance coverage. These policies address gaps left by standard health plans, such as accident, critical illness, and hospital indemnity benefits. The agents guide clients through plan options to fit diverse financial situations and personal needs. A typical job begins with a thorough assessment of the client's existing coverage and budget, then presents tailored solutions to provide meaningful financial protection against unexpected medical costs.
Unlike many service providers that require ongoing contracts, supplemental insurance through agents in Valparaiso typically offers either a one-time policy purchase or recurring annual coverage plans. These policies help individuals fill gaps left by major medical insurance, covering costs like copays, deductibles, and non-covered procedures with fixed cash benefits. A knowledgeable local agent can clarify how such supplemental plans integrate with existing coverage for residents. Service here generally operates on an as-needed basis, arranged when a client requests an initial consultation or needs assistance with a new policy or claim.
As winter weather in Valparaiso brings increased risks of slips and frozen pipes, Todd Laczynski Agency INC American Family Insurance helps residents secure supplemental coverage that fills gaps left by primary health plans. These policies can provide additional financial protection for deductibles, co-pays, or accident-related costs often not fully covered. The agency assists in explaining plan options and tailoring coverage to individual household situations. The process begins with a no-obligation assessment of current policies to identify specific coverage needs.
Shepherd Insurance provides supplemental insurance services for residential clients in Valparaiso, Indiana. Commercial coverage options are also available to local businesses throughout Porter County. As a supplemental insurance agent, the company helps clients bridge gaps left by primary health or life policies, offering policies that address specific financial needs. Service follow-up between regular visits ensures policies remain current with evolving client situations, allowing for adjustments or repeat service as circumstances change without requiring new applications each time.
General Insurance Services, a supplemental insurance agent in Valparaiso, Indiana, specializes in policies that fill coverage gaps left by major medical plans, such as accident, critical illness, and hospital indemnity insurance. The agency regularly advises clients throughout Porter County on integrating these additional protections with their existing health coverage to manage out-of-pocket costs effectively. As winter weather increases risks for slips and falls, the agency helps local residents review their policies to ensure adequate financial protection against seasonal injuries.
Shelter Insurance - Erin Valdivia offers specialized supplemental insurance policies that cover gaps left by major medical plans, including accident and critical illness protection. Located in Valparaiso, IN, the agency also provides general insurance services to help residents manage out-of-pocket expenses and income loss. Supplemental insurance becomes particularly relevant during winter months when seasonal hazards raise the risk of slips, cold-weather injuries, or unexpected hospital visits that standard plans may not fully cover.
As the seasons change in Valparaiso, Indiana, many residents review their existing health coverage for gaps that original Medicare does not fill. Burt Insurance assists with supplemental insurance, helping to address out-of-pocket costs like deductibles and copays that can arise during routine care or unexpected medical events. They serve as a local resource for navigating these additional plans, including Medigap policies. An initial assessment is conducted to review an individual's current coverage and identify potential gaps before any recommendations are made.
What Does a a Supplemental Insurance Agent in Valparaiso Cost?
Supplemental insurance costs vary by plan type age and location. In Indiana a Medigap Plan G for a 65-year-old in Valparaiso typically ranges from 120 to 200 dollars per month. Medicare Advantage plans often have low or zero monthly premiums but may have copays and network limits. Costs also depend on your health status and the insurance carrier. This is general information and not insurance advice.
About supplemental insurance agents in Valparaiso
Supplemental insurance agents in Valparaiso Indiana help residents find policies that cover costs not paid by original Medicare or employer plans. Indiana law requires agents to be licensed through the Indiana Department of Insurance and to follow specific sales rules for Medicare products. Local agents can explain how plans like Medigap or Medicare Advantage work with your current coverage.
Frequently Asked Questions
What is a supplemental insurance agent in Valparaiso?
A supplemental insurance agent helps you buy policies that pay for expenses your main health plan does not cover. In Indiana agents must hold a valid insurance license and complete annual training on Medicare products. They can compare plans from different carriers for you.
When can I enroll in a Medigap plan in Indiana?
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. Outside this window you may face higher rates or denial based on health history.
Are there Indiana rules for Medicare Advantage plans?
Yes Indiana follows federal Medicare rules but also requires agents to provide a scope of appointment form before discussing specific plans. You can switch Medicare Advantage plans during the annual enrollment period from October 15 to December 7. Special enrollment periods may apply if you move or lose other coverage.
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