The top-rated supplemental insurance agent in Kalispell, Montana is Sandra Goode-Long - State Farm Insurance Agent, rated 4.9 stars across 572 reviews. Other highly rated options include Flathead Insurance- Kalispell Montana Insurance, TJ Wendt - State Farm Insurance Agent, Grachek Insurance. This directory lists 20 supplemental insurance agents serving Kalispell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sandra Goode-Long - State Farm Insurance Agent | 475 N Main St | (406) 257-7714 |
| 2 | Flathead Insurance- Kalispell Montana Insurance | 2330 U.S. Hwy 2 E | (406) 752-8000 |
| 3 | TJ Wendt - State Farm Insurance Agent | 2129 US-2 | (406) 752-9300 |
| 4 | Grachek Insurance | 1147 S Main St | (406) 755-4000 |
| 5 | Tamarack Insurance | 185 Commons Loop Suite C | (406) 270-2463 |
| 6 | Bailey Insurance Services | 4 Meridian Ct | (406) 752-7676 |
| 7 | Montana First Insurance, Inc. | 1088 N Meridian Rd | (406) 755-0719 |
| 8 | Paradox Insurance Agency | 1205 S Main St | (406) 451-0180 |
| 9 | Hebert Insurance Agency - Marlene Hebert | 114 1st Ave W | (406) 755-6453 |
| 10 | Marsh McLennan Agency | 165 Timberwolf Pkwy | (406) 758-4200 |
Sandra Goode-Long - State Farm Insurance Agent serves Kalispell, MT and the surrounding Flathead County area, providing supplemental insurance coverage options for individuals and families. These policies help bridge gaps left by primary health plans, addressing out-of-pocket costs for unexpected medical events. Plans are designed to offer financial support during recoveries from illness or injury. The agency specifically handles accident policies, which provide lump-sum cash for covered incidents, and hospital indemnity plans, which pay fixed amounts directly to the policyholder for each day of a qualifying hospital stay.
Flathead Insurance- Kalispell Montana Insurance provides supplemental insurance agent services to clients in the Kalispell area. It assists individuals in adding coverage for gaps not addressed by primary health or life policies. The agency guides customers through plan selection and helps coordinate filings when claims arise. It offers yearly policy reviews to adjust coverage as client needs change. These services are available for single-family homes, apartments, retail locations, and restaurants.
Residents, renters, and small business owners in Kalispell can turn to TJ Wendt - State Farm Insurance Agent for supplemental insurance policies. These plans help cover gaps in primary health or property coverage, offering additional financial protection for unexpected medical costs or home repairs. The agency tailors each policy to the specific needs of local clients, ensuring relevant options are clearly explained. Service extends to the surrounding Flathead Valley communities and Whitefish.
Serving Kalispell and the surrounding Flathead Valley communities, Grachek Insurance handles supplemental insurance policies designed to fill gaps left by major medical plans. This local agency focuses on providing coverage for accident, hospital indemnity, and critical illness events. To handle a typical job, the agent first assesses a client’s existing health plan and personal risk factors before recommending appropriate policies that complement it.
Tamarack Insurance serves the Kalispell, MT area as a local supplemental insurance agent, helping clients bridge gaps in primary coverage. Unlike one-time purchases for standalone policies, supplemental plans often require recurring policy updates and renewal management to maintain benefits. These products typically cover specific gaps such as accident, hospital, or critical illness expenses that primary health plans may not fully address. The agent’s service runs on a scheduled basis, with regular policy reviews and annual enrollment periods to ensure coverage remains aligned with changing client needs.
Bailey Insurance Services, located in Kalispell, MT, specializes in supplemental insurance solutions, including coverage for gaps not addressed by standard health plans. It assists local residents with general insurance management needs common to the area, such as policy reviews and claims support for accidents or critical illnesses. As Montana’s harsh winters arrive, the company helps clients secure additional financial protection against medical costs from seasonal injuries like slips on ice.
As winter settles over the Flathead Valley, homeowners and businesses in Kalispell often seek added financial protection against medical gaps not covered by standard health plans. Montana First Insurance, Inc. serves as a supplemental insurance agent, helping local residents navigate these coverage decisions. Their consultants review individual policy options to address specific out-of-pocket risks such as deductibles or copayments. The process begins with a straightforward meeting to assess current coverage needs and ensure clients understand available benefits before making any commitment.
Paradox Insurance Agency in Kalispell, MT offers supplemental insurance plans that fill gaps left by standard health or Medicare coverage. These plans help cover out-of-pocket costs such as deductibles, copays, and unexpected medical expenses. As a local supplemental insurance agent, it works with individuals to select policies that address specific healthcare needs. The agency can serve a variety of commercial sectors, including offices, warehouses, and food service operations.
Hebert Insurance Agency in Kalispell, Montana serves residential clients with supplemental insurance policies that help cover gaps in primary health coverage. For local businesses, the agency also offers commercial supplemental options designed to protect against unexpected costs. The service area extends throughout the Kalispell region and surrounding Flathead County. Many customers find that follow-up assistance is provided as needed between regular policy review visits, ensuring coverage continues to meet evolving needs without unnecessary gaps.
Marsh McLennan Agency serves residents in Kalispell and the surrounding area by explaining supplemental insurance policies that fill gaps in standard coverage. For commercial clients, the agency identifies additional protections suited for local businesses facing regional risks. Their service area spans from the Flathead Valley into broader northwestern Montana. Client relationships continue through periodic policy reviews and timely enrollment assistance for coverage changes, ensuring regular follow-up attention between scheduled annual visits.
What Does a a Supplemental Insurance Agent in Kalispell Cost?
Supplemental insurance costs in Montana vary by plan type, age, and insurer. Monthly premiums for Medigap Plan G in Kalispell typically range from $120 to $250 for a 65-year-old. Plan N may cost $90 to $180 per month. Rates can increase over time due to inflation and claims experience. This is general information and not insurance advice.
About supplemental insurance agents in Kalispell
Supplemental insurance agents in Kalispell help residents fill gaps in Medicare coverage. Montana law requires Medigap policies to follow federal standards, ensuring certain consumer protections. Agents can explain plan options and help you compare costs from multiple carriers serving Flathead County.
Frequently Asked Questions
What is a supplemental insurance agent in Kalispell?
A supplemental insurance agent helps you buy Medigap or Medicare Supplement plans. They are licensed in Montana and can explain how plans work with Original Medicare. They do not sell Medicare Advantage plans unless they hold a separate license.
When can I enroll in a Medigap plan in Montana?
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 health questions and higher rates.
Are there Montana-specific rules for Medigap plans?
Yes. Montana law requires that Medigap policies be guaranteed renewable. Insurers cannot cancel your policy as long as you pay premiums. Also, Montana does not allow Medigap policies to cover the Part B deductible for new enrollees after 2020.
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