The top-rated supplemental insurance agent in Chelmsford, Massachusetts is Premiere Insurance, rated 5.0 stars across 1,256 reviews. Other highly rated options include Allstate Insurance: Todd Seesman, L'Hussier Insurance, Talbot Insurance Agency. This directory lists 10 supplemental insurance agents serving Chelmsford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Premiere Insurance | 7 Summer St # 19 | (978) 221-0139 |
| 2 | Allstate Insurance: Todd Seesman | 83 Parkhurst Rd #10 | (978) 710-7040 |
| 3 | L'Hussier Insurance | 63 Chelmsford St #2 | (978) 256-1583 |
| 4 | Talbot Insurance Agency | 205 Chelmsford St | (978) 256-3367 |
| 5 | Kaplansky Insurance - Chelmsford Branch | 118 Chelmsford St | (978) 256-0900 |
| 6 | Kevin Lynch office of Commonwealth Property & Casualty | 233 Chelmsford St | (978) 322-5639 |
| 7 | Family First Life | 139 Billerica Rd | (781) 358-5995 |
| 8 | Time Insurance Solutions LLC | 48 Chelmsford St #5b | (978) 455-7774 |
| 9 | Alpine Insurance Inc | 15 Fletcher St STE 2 | (978) 453-0076 |
| 10 | Smart Financial Inc | 48 Chelmsford St #5b | (978) 226-3856 |
Premiere Insurance serves the greater Chelmsford, Massachusetts area as a local supplemental insurance agent. The agency helps individuals fill coverage gaps left by major medical plans, offering policies that provide financial support for unexpected health needs. These supplemental plans can assist with out-of-pocket costs such as deductibles and copayments. The company handles both hospital indemnity policies to cover inpatient stays and accident insurance to help with expenses from injuries.
Allstate Insurance: Todd Seesman provides supplemental insurance agent services in the Chelmsford, MA area. These offerings help fill coverage gaps left by primary health policies. The agent works with clients to select appropriate plans for accidents, critical illness, or hospital stays. Regular policy reviews and claim assistance help maintain coverage alignment with changing needs. This agency serves single-family homes, apartments, retail spaces, and restaurants.
L'Hussier Insurance in Chelmsford, Massachusetts provides insurance solutions designed to close coverage gaps in standard policies. This supplemental insurance agent helps individuals and businesses address specific financial vulnerabilities not fully covered by primary plans. By offering targeted add-ons, the company enables clients to mitigate risks associated with gaps in health, disability, or property coverage. These extra plans require careful consideration and tailored application. L'Hussier Insurance can serve commercial clients operating in office environments, warehouses, and food service establishments, ensuring their supplementary coverage aligns with distinct operational exposures.
Talbot Insurance Agency serves Chelmsford, Massachusetts, and the surrounding Merrimack Valley communities, handling supplemental insurance policies that address gaps left by major medical coverage. These plans typically assist with out-of-pocket costs from accidents or critical illnesses. The agency helps clients select suitable plans by explaining coverage terms clearly and presenting manageable options. It generally handles each case by reviewing the individual's existing benefits, identifying potential financial exposures, and then recommending supplemental products that align with the person's specific healthcare needs and budget.
Kaplansky Insurance in Chelmsford serves homeowners and businesses seeking supplemental insurance coverage, offering policies that help fill gaps left by standard plans. The agency works with property managers to address liability and income protection needs common in this area. Residents and commercial clients rely on its team for personalized guidance on selecting appropriate supplemental options. The firm extends its services throughout the Merrimack Valley, including nearby communities like Lowell.
When considering supplemental insurance, clients often choose between one-time policies that cover a specific need and recurring options that provide ongoing protection. The Kevin Lynch office of Commonwealth Property & Casualty, located in Chelmsford, MA, focuses on helping local residents evaluate these choices for broader health coverage gaps. Their typical services supplement primary insurance with plans for accidents, critical illness, or hospital indemnity. Understanding complex terms is part of the consultation process. This office operates on a scheduled basis, arranging convenient appointments for clients to review their present and future supplemental insurance requirements.
Family First Life specializes in supplemental insurance coverage, including plans that address gaps left by major medical policies. As a supplemental insurance agent serving the Chelmsford area, the company helps clients explore options for dental, vision, accident, or critical illness protection. A key focus is offering guidance on policies that can cover out-of-pocket costs from deductibles and copays. Seniors approaching Medicare enrollment often seek its help during the annual open enrollment period to review and adjust their supplement plans accordingly.
Time Insurance Solutions LLC works as a supplemental insurance agent in Chelmsford, MA, helping individuals fill coverage gaps left by standard health plans. The company specializes in offering add-on policies for accident, critical illness, and hospital indemnity. These plans provide financial support during unexpected medical events, covering costs such as deductibles and lost income. Their services can benefit a range of commercial sectors, including local offices, warehouses, and food service establishments.
As the changing seasons in Chelmsford bring new health considerations, Alpine Insurance Inc helps local residents review their existing coverage for gaps. Working as a supplemental insurance agent, the company specializes in policies that address costs not fully covered by major medical plans. This can include benefits for hospital stays or recovery periods. Alpine Insurance Inc begins by scheduling a straightforward, no-obligation conversation to evaluate a client’s current situation and identify potential needs. That initial assessment naturally includes a careful review of any existing policy documents.
Smart Financial Inc serves residential clients in Chelmsford, Massachusetts, with supplemental insurance policies designed to fill gaps left by standard health or Medicare plans. The agency also provides commercial coverage for local small businesses seeking additional protection for their employees or operations. Their service area extends across greater Chelmsford and surrounding communities in Middlesex County. After an initial consultation and enrollment, the agency maintains contact with clients to review coverage needs and adjust policies between regular annual visits.
What Does a a Supplemental Insurance Agent in Chelmsford Cost?
Supplemental insurance agent services in Chelmsford are usually free to you because agents earn commissions from insurance companies. Medigap Plan G premiums in Massachusetts range from 110 to 300 dollars per month depending on your age gender and health status. Medicare Advantage plans can have zero dollar premiums but may charge copays for doctor visits and hospital stays. This is general information not insurance advice.
About supplemental insurance agents in Chelmsford
Supplemental insurance agents in Chelmsford Massachusetts help residents choose Medigap and Medicare Advantage plans that fill gaps in original Medicare coverage. Massachusetts law requires standardized Medigap plans labeled A through N which makes comparing options simpler for consumers. Local agents can explain how these plans work with your existing health coverage and guide you through annual enrollment periods.
Frequently Asked Questions
What is a supplemental insurance agent in Chelmsford?
A supplemental insurance agent in Chelmsford is a licensed professional who helps you buy Medigap or Medicare Advantage plans. They explain plan benefits and costs and assist with enrollment. Agents must follow Massachusetts insurance regulations and cannot sell plans that do not meet state standards.
When can I enroll in a supplemental insurance plan in Massachusetts?
You can enroll in a Medigap plan during your six-month Medigap open enrollment period which starts when you are 65 and enrolled in Medicare Part B. Massachusetts also has an annual Medicare Advantage open enrollment period from January 1 to March 31 each year. Missing these windows may limit your options.
Are supplemental insurance plans in Massachusetts expensive?
Costs vary by plan type and insurer. In Massachusetts Medigap Plan G premiums typically range from 120 to 250 dollars per month for a 65 year old. Medicare Advantage plans often have lower monthly premiums but may include copays and deductibles. An agent can provide quotes based on your age and location.