The top-rated supplemental insurance agent in Lakewood, New Jersey is PRIME Insurance Agency, rated 4.9 stars across 357 reviews. Other highly rated options include Cosmo Insurance Agency, Sterling Property and Casualty, Stonebrook Insurance Group. This directory lists 18 supplemental insurance agents serving Lakewood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRIME Insurance Agency | 960 E County Line Rd | (732) 886-5751 |
| 2 | Cosmo Insurance Agency | 1600 Ave of the States #408 | (732) 363-3888 |
| 3 | Sterling Property and Casualty | 20 4th St Suite 211 | (732) 730-7130 |
| 4 | Stonebrook Insurance Group | 500 River Ave Suite 230 | (732) 905-4100 |
| 5 | Ben Goldfischer: Allstate Insurance | 300 Main St | (732) 719-4050 |
| 6 | Diamant & Associates | 1700 Ave of the States Suite 401 | (732) 276-5089 |
| 7 | Wilhelm | 699 Cross St #1 | (732) 961-1551 |
| 8 | 65 and Ready | 1187 Coughlin St | (732) 497-2273 |
| 9 | Insurance Agency New Jersey | 1166 River Ave | (551) 273-4713 |
| 10 | J&R Insurance Agency & Financial Services LLC | 1400 Ocean Ave | (732) 363-1625 |
PRIME Insurance Agency serves Lakewood, New Jersey, and the surrounding Ocean County area as a local supplemental insurance agent. It helps clients fill gaps left by major medical coverage by offering policies that address out-of-pocket costs and specific health events. Seniors and working families often seek these plans to manage expenses from accidents or critical illnesses. The agency handles Medicare supplement plans and hospital indemnity coverage designed for this community.
Cosmo Insurance Agency provides a full range of supplemental insurance services in the Lakewood, New Jersey area, offering policies that help cover gaps left by major medical plans. Its service includes claims support and policy maintenance, ensuring straightforward access to benefits for routine medical or accident-related expenses. The agency also assists with long-term care and dental coverage applications. It serves various properties, including single-family homes, apartments, retail establishments, and restaurants.
Homeowners, businesses, and property managers in Lakewood, New Jersey turn to Sterling Property and Casualty for supplemental insurance coverage. This local agency helps clients fill gaps in their primary policies, offering options such as accident, critical illness, or hospital indemnity plans. By addressing specific financial exposures, they provide an added layer of security for unforeseen events. Their service area also extends into the nearby Toms River community and across Ocean County.
Serving Lakewood, New Jersey, and the surrounding communities, Stonebrook Insurance Group handles a comprehensive range of supplemental insurance needs for local residents and families. Its agents primarily assist clients in selecting policies that fill coverage gaps left by primary health plans. The firm typically handles an application process by first sitting down with a client to explain the features of relevant plans and then comparing the available options to determine the most suitable fit for their specific situation and budget.
Ben Goldfischer: Allstate Insurance in Lakewood, NJ offers supplemental insurance as either a standalone, one-time policy or as an add-on to an ongoing primary health plan, bridging gaps in existing coverage. These plans typically cover unexpected medical expenses not included in standard health insurance, such as hospital copays or extended recovery care. Service is available on a one-time basis for initial enrollment or as an as-needed consultation for plan adjustments during open enrollment periods.
Diamant & Associates specializes in supplemental insurance that bridges gaps in standard health and Medicare coverage, including dental, vision, and hospital indemnity plans. It serves residents in Lakewood and the surrounding New Jersey communities by helping them manage out-of-pocket medical expenses. The agency explains how different policies can complement existing benefits without requiring extensive paperwork. As the winter season approaches, it assists clients in evaluating whether their current coverage adequately addresses potential cold-weather health issues like flu complications or accidental injuries at home.
As the colder months approach in the Ocean County area, many residents begin reviewing their health coverage to protect against unexpected medical costs. Wilhelm, located in Lakewood, NJ, works as a local supplemental insurance agent, helping individuals fill gaps left by primary plans. They focus on explaining how policies can cover out-of-pocket expenses during seasonal illnesses or routine procedures. Their process typically begins with a no-obligation review of a client's current coverage to identify potential shortfalls before recommending any specific plan.
65 and Ready is known in Lakewood, New Jersey for helping clients navigate supplemental insurance coverage that fills the gaps left by original Medicare. Their services include assisting with Medigap plans, prescription drug plans, and Medicare Advantage options available in the local area. An agent reviews individual health needs to recommend suitable policies from major carriers. A common add-on service they provide is helping clients enroll in standalone dental or vision insurance that does not come with standard Medicare coverage.
What Does a a Supplemental Insurance Agent in Lakewood Cost?
Typical costs for supplemental insurance in New Jersey vary widely. Medicare Supplement Plan G premiums can range from 100 to 250 dollars per month depending on age and location. Dental and vision plans may cost 20 to 60 dollars monthly. Life insurance premiums depend on age, health, and coverage amount. This is general information and not insurance advice.
About supplemental insurance agents in Lakewood
Supplemental insurance agents in Lakewood, New Jersey help residents find policies that cover gaps in primary health insurance. New Jersey law requires agents to be licensed by the state Department of Banking and Insurance. These agents can assist with Medicare Supplement plans, dental, vision, and life insurance options tailored to local needs.
Frequently Asked Questions
What does a supplemental insurance agent in Lakewood do?
A supplemental insurance agent helps you compare and purchase policies that fill coverage gaps not paid by your primary health plan. They guide you through options like Medicare Supplement, critical illness, and accident insurance. Agents in New Jersey must follow state regulations on disclosure and suitability.
How do I choose a supplemental insurance agent in Lakewood?
Look for a licensed agent who specializes in the type of coverage you need, such as Medicare or dental. Check their standing with the New Jersey Department of Banking and Insurance. Ask about the insurers they represent and how they receive compensation.
Are there time limits to enroll in supplemental insurance in New Jersey?
Yes, for Medicare Supplement plans you have a six-month open enrollment period starting when you turn 65 and enroll in Medicare Part B. Outside this window, insurers may use medical underwriting. For other supplemental plans, enrollment periods vary by insurer and policy type.
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