The top-rated supplemental insurance agent in Winona, Minnesota is Schmit Insurance Group, rated 5.0 stars across 239 reviews. Other highly rated options include Anthony Vote - State Farm Insurance Agent, A.J. Kanz American Family Insurance, Strategic Insurance Group. This directory lists 20 supplemental insurance agents serving Winona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Schmit Insurance Group | 1159 Gilmore Ave #3 | (507) 458-0007 |
| 2 | Anthony Vote - State Farm Insurance Agent | 1201 Gilmore Ave Ste F-6 | (507) 452-9270 |
| 3 | A.J. Kanz American Family Insurance | 163 Walnut St | (507) 454-4638 |
| 4 | Strategic Insurance Group | 157 W 3rd St Suite E | (507) 858-5365 |
| 5 | Steve Young Agency Inc American Family Insurance | 1502 W Service Dr | (507) 454-1185 |
| 6 | Wunderlich Insurance Agency | 601 Main St | (507) 454-3348 |
| 7 | State Farm Insurance | 678 Mankato Ave #100 | (507) 452-2934 |
| 8 | Farm Bureau Financial Services: Steve Jansen | 163 W 2nd St | (507) 615-5166 |
| 9 | Farmers Insurance - David Jensen | 350 E Sarnia St Ste 5 | (507) 474-7005 |
| 10 | WA Group (formerly Winona Agency) | 174 Center St | (507) 452-3366 |
Schmit Insurance Group serves the Winona, Minnesota area as a supplemental insurance agent. It helps clients address financial gaps left by primary health plans, offering policies that cover expenses traditional insurance may not. The agency works with individuals to understand their specific coverage needs. Common policies include accident and cancer protection plans. It also handles critical illness insurance and hospital indemnity options.
Anthony Vote - State Farm Insurance Agent in Winona, MN offers a range of supplemental insurance services designed to fill gaps left by primary health or life coverage. The agency provides ongoing plan reviews and policy adjustments to ensure clients maintain appropriate protection as their needs change. Service discussions focus on matching supplemental options to individual budgets and health situations. The agent assists with claims support and policy questions throughout the year. The agency serves single-family homes, apartments, retail businesses, and restaurants in the local area.
Homeowners and property managers in Winona, Minnesota, turn to A.J. Kanz American Family Insurance when they need supplemental insurance coverage tailored to fill gaps left by standard policies. This local agency assists clients in securing additional protection for their assets and everyday risks, offering straightforward guidance throughout the selection process. For those seeking extra security beyond a primary plan, the agency also serves individuals and businesses in the neighboring communities of La Crescent and Goodview.
Serving Winona, Minnesota, and the surrounding communities, Strategic Insurance Group handles the role of a supplemental insurance agent. It assists clients in bridging coverage gaps left by standard health plans, addressing costs such as deductibles or hospital stays. For each individual situation, the company first reviews existing policies. It then recommends specific supplemental plans to match those personal circumstances and budget limits.
Steve Young Agency Inc American Family Insurance offers supplemental insurance plans, including policies that help cover gaps left by major medical coverage. It serves clients throughout the Winona, MN area, providing personalized consultations to explain plan options and assist with claims. The agency also works with individuals seeking extra financial protection for unexpected health events. Additional attention is given during open enrollment periods, when clients may require guidance on adjusting supplemental benefits to meet changing medical or budgetary needs.
As the seasons change in the Winona area, many residents find themselves reevaluating their existing health coverage to address new gaps that may have emerged. Wunderlich Insurance Agency provides supplemental insurance options, focusing on policies that can help manage out-of-pocket expenses not covered by primary plans. Their approach involves understanding a client’s current situation and explaining available plan types. An agent typically begins by conducting a personal needs review and discussing the initial assessment process required before any policy is finalized.
State Farm Insurance in Winona, MN offers supplementary coverage for gaps not addressed by major medical plans. Clients may choose a one-time policy for a specific short-term need or a recurring plan providing ongoing financial protection against unexpected health events. Services ensure a safety net for deductibles and out-of-pocket expenses. Appointments are available on an as-needed basis, allowing residents to secure tailored coverage without a mandatory ongoing commitment.
Farm Bureau Financial Services: Steve Jansen operates in Winona, Minnesota, focusing on the general work of supplemental insurance, including coverage for gaps left by major medical plans. Its specialty add-ons include accident, critical illness, and hospital indemnity policies that provide direct cash benefits for specific events. This agency addresses the financial gaps many standard health plans leave uncovered in local regional industries. Its commercial services are available for offices, warehouses, and food service operations throughout the area.
Farmers Insurance - David Jensen in Winona, MN, is known for helping local residents bridge gaps in their primary health coverage with supplemental insurance plans. Its service range includes accident, critical illness, and hospital indemnity policies designed to cover out-of-pocket costs and unexpected medical expenses. Each policy can be tailored to complement existing benefits for a more comprehensive safety net. A key add-on this agency specializes in is supplemental life insurance, providing additional financial protection for policyholders’ families.
WA Group, formerly Winona Agency, serves residents of the Winona area with supplemental insurance policies that help cover out-of-pocket costs. Commercial clients also benefit from tailored coverage options for small businesses in the region. The agency assists with Medicare supplement plans, accident policies, and similar products designed to fill gaps in primary health coverage. Following each policy sale or annual enrollment, the team schedules follow-up appointments to review coverage needs and make adjustments, maintaining regular contact between filed claims and open enrollment periods.
What Does a a Supplemental Insurance Agent in Winona Cost?
Costs for supplemental insurance in Winona vary by plan type, age, and health status. Medigap Plan A typically ranges from $100 to $200 per month, while Plan B may cost $150 to $300 per month. Cancer and accident plans often cost $30 to $80 per month. Premiums are regulated by the Minnesota Department of Commerce. This is general information and not insurance advice.
About supplemental insurance agents in Winona
Supplemental insurance agents in Winona, Minnesota help residents fill gaps in their primary health coverage. Common plans include Medicare Supplement (Medigap) policies, which in Minnesota must follow state-specific standardized benefit plans. Local agents can explain how Minnesota laws, such as the guaranteed issue period for Medigap, affect your options.
Frequently Asked Questions
What types of supplemental insurance are available in Winona?
Agents in Winona offer Medicare Supplement (Medigap) plans, cancer insurance, accident insurance, critical illness coverage, and hospital indemnity plans. Minnesota law requires Medigap policies to be standardized into Plan A, Plan B, and other defined options.
Is there a time limit to enroll in a Medigap plan in Minnesota?
Yes. In Minnesota, you have a six-month open enrollment period that starts when you are both 65 or older and enrolled in Medicare Part B. During this time, insurers cannot deny coverage or charge higher premiums due to health conditions.
Do Minnesota agents need a special license to sell supplemental insurance?
Yes. All agents selling supplemental health insurance in Minnesota must hold a valid insurance producer license with a health line of authority. They must also follow Minnesota Statutes Chapter 62A regarding policy standards and disclosures.
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