The top-rated supplemental insurance agent in Helena, Montana is Rocky Mountain Medicare, rated 5.0 stars across 237 reviews. Other highly rated options include Joe Mitchell - State Farm Insurance Agent, Jon Miller - State Farm Insurance Agent, Rocky Mountain Insurance Group. This directory lists 20 supplemental insurance agents serving Helena.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rocky Mountain Medicare | 1134 Butte Ave | (406) 204-1580 |
| 2 | Joe Mitchell - State Farm Insurance Agent | 601 Euclid Ave Suite D | (406) 443-0867 |
| 3 | Jon Miller - State Farm Insurance Agent | 900 N Last Chance Gulch #103 | (406) 502-2200 |
| 4 | Rocky Mountain Insurance Group | 1111 N Rodney St Suite 3 | (406) 422-4437 |
| 5 | Bison Insurance, PLLC | 3171 N Montana Ave | (406) 442-1414 |
| 6 | Mike Miller - State Farm Insurance Agent | 900 N Last Chance Gulch #103 | (406) 442-9900 |
| 7 | Cochrane Insurance Agency | 201 E Lyndale Ave | (406) 442-6700 |
| 8 | MATHIS INSURANCE AGENCY LLC | 1313 11th Ave | (406) 442-9680 |
| 9 | Marsh McLennan Agency | 1108 Livingston Ave | (406) 442-5360 |
| 10 | Insurance Unlimited | 1040 Helena Ave | (406) 442-4144 |
Rocky Mountain Medicare serves the Helena, Montana area as a supplemental insurance agent, offering coverage options that complement original Medicare plans. The agency works with individuals to navigate Medicare Supplement plans, often known as Medigap, which help cover out-of-pocket costs like deductibles and coinsurance. It also assists with Medicare Advantage plan comparisons, helping clients find local network options that may include additional benefits. To support informed decisions, the agency provides personalized guidance on Part D prescription drug plans available in the region.
Joe Mitchell - State Farm Insurance Agent in Helena, MT, provides a range of supplemental insurance plans designed to address gaps in standard health coverage. Services include accident, hospital indemnity, and critical illness policies, which help manage out-of-pocket costs during unexpected medical events. The agency assists clients in reviewing their existing benefits and recommends specific supplemental options to match individual needs. Ongoing service includes policy reviews and claims assistance to ensure coverage remains appropriate over time. The agency serves properties across Helena, MT, including homes, apartments, retail locations, and restaurants.
Homeowners and property managers in Helena rely on Jon Miller - State Farm Insurance Agent for supplemental insurance coverage. The agency helps clients fill gaps in health, life, or disability policies with tailored plans. These supplemental products provide additional financial protection when primary insurance falls short. The team guides customers through plan options and benefit details. Jon Miller also serves businesses needing extra coverage layers. The agency extends its services to the East Helena community as well.
Rocky Mountain Insurance Group serves Helena, Montana, and the surrounding communities in the region. It operates as a supplemental insurance agent, handling policies that fill gaps in primary health coverage for local residents. This includes helping clients understand options for accident, critical illness, or hospital indemnity plans. The company approaches each case by offering personalized consultations to explain policy details and match coverage to individual needs.
Bison Insurance, PLLC, specializes in offering supplemental insurance policies that cover gaps left by major medical plans, such as accident, critical illness, and hospital indemnity plans. It provides residents of Helena, MT, with personalized guidance to select the right level of coverage for their individual needs and budgets. During Montana’s harsh winter months, the company helps clients prepare for potential medical costs from seasonal slips on ice or unexpected respiratory illnesses.
Mike Miller - State Farm Insurance Agent in Helena, MT, is known for offering supplemental insurance coverage designed to bridge gaps in primary health plans. The agency provides options such as accident, critical illness, and hospital indemnity policies, giving residents flexible protection for unexpected medical costs in the local area. Agents help clients evaluate their existing coverage and identify where additional support may be beneficial. A specialty service the office can add on is a short-term medical plan for those between jobs or waiting for other benefits to begin.
As the Montana winter sets in, residents of Helena often look for ways to manage unexpected health costs. Cochrane Insurance Agency helps local individuals and families address this need by offering various supplemental insurance plans that can fill gaps in primary coverage. Their services include helping clients understand how these policies can cover out-of-pocket expenses not paid by major medical plans. An initial consultation with the agency typically involves a review of a client’s current health coverage to identify potential gaps in protection.
Mathis Insurance Agency LLC works in Helena, Montana, providing supplemental insurance agent services to help individuals and businesses fill coverage gaps. The agency focuses on voluntary policies that add protection beyond standard health or property plans. These offerings assist with unexpected expenses, income loss, and specific risk scenarios. Mathis Insurance Agency LLC serves commercial sectors including offices, warehouses, and food service operations.
What Does a a Supplemental Insurance Agent in Helena Cost?
Costs for supplemental insurance in Helena Montana vary by plan type age and health status. A Medigap Plan G for a 65-year-old 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. Long-term care insurance can cost 150 to 300 dollars per month for a healthy 60-year-old. This is general information not insurance advice.
About supplemental insurance agents in Helena
Supplemental insurance agents in Helena Montana help residents find policies that cover costs not paid by original Medicare or employer plans. Montana law allows agents to offer plans from multiple carriers so you can compare options. Local agents understand the specific healthcare needs of the Helena community and can guide you through enrollment periods and plan changes.
Frequently Asked Questions
What is a supplemental insurance agent in Helena Montana?
A supplemental insurance agent in Helena helps you buy policies like Medigap Medicare Supplement or Medicare Advantage. These agents are licensed by the Montana Commissioner of Securities and Insurance and must follow state rules for marketing and sales. They do not work for the government but can explain your options.
When can I enroll in a supplemental plan in Montana?
You have a six-month Medigap open enrollment period that starts when you are 65 and enrolled in Medicare Part B. Outside that window you may face medical underwriting. Montana also has a special enrollment period for those who lose other coverage or move out of a plan service area.
Do Montana laws protect me when buying supplemental insurance?
Yes. Montana law requires agents to give you a Guide to Health Insurance for People with Medicare and a policy outline before you buy. You also have a 30-day free look period to cancel a policy for a full refund if you change your mind. These rules are in Montana Code Annotated Title 33.
Supplemental Insurance Agents in Other Montana Cities
Billings · Bozeman · Great Falls · Kalispell · Missoula