The top-rated supplemental insurance agent in Union City, New Jersey is Diverse Solutions, rated 5.0 stars across 654 reviews. Other highly rated options include SValencia Insurance Agency LLC, Frank Ciappi - State Farm Insurance Agent, Freeway Insurance. This directory lists 20 supplemental insurance agents serving Union City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Diverse Solutions | 3916 Bergenline Ave | (201) 751-5454 |
| 2 | SValencia Insurance Agency LLC | 412 37th St | (201) 679-8026 |
| 3 | Frank Ciappi - State Farm Insurance Agent | 3196 John F. Kennedy Blvd | (201) 758-5470 |
| 4 | Freeway Insurance | 1306 John F. Kennedy Blvd | (201) 829-2004 |
| 5 | Diaz Insurance Agency | 815 Bergenline Ave | (201) 348-1288 |
| 6 | TORO TAXES UNION CITY & VIP INSURANCE | 527 42nd St | (201) 331-3771 |
| 7 | Valentino Services | 4606 Bergenline Ave | (201) 392-8585 |
| 8 | Candida Seymour - State Farm Insurance Agent | 4014 Bergenline Ave | (201) 392-1010 |
| 9 | Goosehead Insurance - Edward T. Mauricio | 500 Paterson Plank Rd Unit 08 | (551) 430-5655 |
| 10 | Fiorentino Anillo Insurance LLC | 202 38th St | (201) 223-2331 |
Diverse Solutions, serving the Hudson County region from Union City, New Jersey, provides supplemental insurance agency services to local residents. This agency helps individuals obtain policies that cover gaps left by major medical plans, offering financial protection during unexpected health events. It works with clients to explore options for closing coverage shortfalls. Among the specific services it handles in this area are Medicare supplement plans and hospital indemnity insurance policies.
SValencia Insurance Agency LLC provides supplemental insurance services to residents and businesses throughout the Union City, NJ area, offering policies that help cover gaps left by primary health or property insurance. Its service approach includes assisting clients with plan selection, claims coordination, and routine policy reviews to maintain appropriate coverage levels. The agency services a range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Serving homeowners, renters, and small business owners in Union City, New Jersey, Frank Ciappi - State Farm Insurance Agent specializes in supplemental insurance policies that help cover gaps left by major medical plans. They assist clients with understanding and selecting accident, critical illness, and hospital indemnity options tailored to individual needs. The agency also provides local support for policy questions and claims assistance. Its service area extends to residents and businesses in neighboring communities throughout North Hudson County, including West New York.
Freeway Insurance serves Union City, New Jersey, and its surrounding communities as a supplemental insurance agent. The agency handles policies that help cover costs not paid by standard major medical plans, such as accident, hospital indemnity, and critical illness coverage. To address a typical client need, it begins by discussing existing coverage, then presents supplemental plan options that fit budgets and specific health concerns, using a straightforward consultation to guide selection.
Diaz Insurance Agency in Union City, NJ distinguishes between one-time policies that cover a single event and recurring supplemental plans that provide ongoing financial backup against gaps in major medical coverage. These plans often help with out-of-pocket costs like deductibles, copays, or hospital stays. Service is offered on an as-needed basis, allowing clients to purchase or adjust coverage when their primary health insurance situation changes or specific needs arise.
TORO TAXES UNION CITY & VIP INSURANCE specializes in supplemental insurance plans that fill gaps in primary coverage. It serves Union City, NJ residents needing policies for accident, hospital indemnity, or critical illness. The agency stands ready to explain how these plans interact with Medicare and major medical policies. Claimants often seek its help during open enrollment season, when many individuals must decide whether to add coverage for unforeseen medical costs like deductibles or co-pays.
As the seasons shift in Union City, many residents look to close coverage gaps that major medical plans leave unfilled. Valentino Services, a supplemental insurance agent in the area, helps individuals locate appropriate policies for dental, vision, or hospital indemnity needs. Their work assists clients in understanding options for out-of-pocket cost protection. After an initial discussion of a household’s current plan, a representative typically schedules a brief in-person or phone inspection of the existing coverage to identify potential shortfalls.
Candida Seymour operates as a supplemental insurance agent in Union City, NJ, providing additional coverage that helps fill gaps left by standard health plans. This agency specializes in offering policies for accidents, critical illness, and hospital indemnity, giving clients extra financial protection during unexpected medical events. Such supplemental plans can be tailored to cover deductibles, co-pays, and lost income. The office serves a range of commercial sectors, including small offices, industrial warehouses, and food service establishments, helping their employees secure added peace of mind through voluntary benefit options.
Goosehead Insurance - Edward T. Mauricio in Union City, NJ is known for providing supplemental insurance agent services that fill gaps in primary health coverage. The agency serves local residents needing policies such as accident, critical illness, and hospital indemnity plans. Clients can expect support in reviewing their existing benefits to identify potential coverage shortfalls. A specialty service this agent can add on is tailored dental and vision insurance plans for individuals and families.
Fiorentino Anillo Insurance LLC serves residents of Union City, New Jersey, providing supplemental insurance coverage to help fill gaps in primary health plans. The company also extends its services to local businesses needing similar ancillary protection. Operating throughout the Union City area, the agency works with clients to explain Medicare supplements, accident policies, and other voluntary benefits. Representatives schedule follow-up visits during annual enrollment periods and arrange repeat service whenever policyholders or their circumstances change, ensuring ongoing coordination between regular check-ins with primary carriers.
What Does a a Supplemental Insurance Agent in Union City Cost?
Costs for supplemental insurance in Union City vary by plan type and provider. Medigap premiums in New Jersey typically range from $100 to $300 per month for standard plans, depending on age and health status. Dental or vision plans may cost $20 to $60 per month. These figures are estimates only. This is general information and not insurance advice.
About supplemental insurance agents in Union City
Supplemental insurance agents in Union City, New Jersey help residents find policies that cover costs not paid by primary health insurance, such as deductibles and copays. Under New Jersey law, Medigap policies must follow federal and state regulations, including guaranteed issue rights during open enrollment. Local agents can explain how plans like Medicare Supplement or accident insurance work with your existing coverage.
Frequently Asked Questions
What does a supplemental insurance agent in Union City do?
A supplemental insurance agent helps you compare and enroll in policies that pay for out-of-pocket expenses not covered by your main health plan. They explain options like Medigap, dental, or vision plans available in New Jersey. The agent must hold a valid New Jersey insurance license.
When can I enroll in a Medigap plan in New Jersey?
In New Jersey, you have a six-month Medigap open enrollment period starting when you are both 65 and enrolled in Medicare Part B. During this time, insurers cannot deny coverage or charge higher premiums due to pre-existing conditions. Outside this window, you may face medical underwriting.
Are there New Jersey rules for supplemental insurance agents?
Yes, New Jersey requires all insurance agents to be licensed by the New Jersey Department of Banking and Insurance. Agents must follow state laws on policy disclosures and cannot misrepresent plan benefits. They must also provide clear information about premiums and coverage limits.
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