The top-rated supplemental insurance agent in West New York, New Jersey is Justin Bush - State Farm Insurance Agent, rated 4.8 stars across 465 reviews. Other highly rated options include The Medicare Group, MedChoice Advisors, Onyx Insurance Solutions LLC. This directory lists 12 supplemental insurance agents serving West New York.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Justin Bush - State Farm Insurance Agent | 6136 Washington St | (201) 869-5400 |
| 2 | The Medicare Group | 5601 Bergenline Ave | (201) 409-0739 |
| 3 | MedChoice Advisors | 448 64th St | (201) 571-2459 |
| 4 | Onyx Insurance Solutions LLC | 4912 Bergenline Ave suite # 10 | (201) 273-9635 |
| 5 | DUVAN & ADVISORS | 6309 Bergenline Ave | (201) 899-6482 |
| 6 | United Healthcare | 5115 Bergenline Ave | (732) 201-3408 |
| 7 | Intelligent Insurance NJ | 5405 Bergenline Ave | (551) 213-0002 |
| 8 | Farmers Insurance - Edward Medina | 445 63rd St | (201) 879-0088 |
| 9 | Farmers Insurance - Hirian Machado | 5601 Bergenline Ave | (201) 867-4152 |
| 10 | GRAN COLOMBIA INSURANCE AGENCY, LLC | 519 60th St | (201) 868-8670 |
Serving West New York and the surrounding communities in New Jersey, Justin Bush - State Farm Insurance Agent handles supplemental insurance policies that help fill gaps in primary health or life coverage. These plans typically provide financial support for deductibles, copays, or lost income during a medical event. When working with a client, the agent reviews their existing coverage to identify potential shortfalls and then recommends appropriate supplemental options. This approach ensures the selected plan aligns with the individual’s specific financial situation and healthcare needs.
The Medicare Group serves West New York, New Jersey, and the surrounding Hudson County area as a supplemental insurance agent. This agency helps clients navigate plan options for covering medical gaps not included in Original Medicare. They specialize in Medicare Supplement plans, also called Medigap, as well as standalone outpatient prescription drug coverage. Their local agents assist area residents in choosing plans that coordinate with federal benefits while addressing individual healthcare needs and budgets.
MedChoice Advisors in West New York, NJ, offers a range of supplemental insurance agent services, including policy enrollment, plan comparisons, and ongoing claims support. It assists clients in navigating the complexities of Medicare supplements, hospital indemnity, and accident coverage, providing routine plan reviews to ensure ongoing policy alignment with client needs. The company services single-family homes, apartments, retail properties, and restaurants in the local area.
Onyx Insurance Solutions LLC serves clients in West New York, New Jersey, and the surrounding Hudson County communities. It specializes in supplemental insurance, helping individuals select policies that cover costs beyond primary health plans, such as accident, critical illness, or hospital indemnity benefits. A typical job begins with a thorough consultation to assess a client’s existing coverage and identify gaps. The agent then presents clear policy options suited to the client’s budget and needs, ensuring understanding of terms and benefits before enrollment.
DUVAN & ADVISORS serves homeowners, small business owners, and property managers in West New York, New Jersey, filling gaps left by standard health and life insurance policies. This supplemental insurance agency guides clients through options covering accidents, critical illness, hospital indemnity, and dental care. They assist in comparing plans that help with out-of-pocket expenses and deductibles typical of primary coverage. The firm also extends these services to residents and businesses in neighboring Union City and throughout the North Hudson area.
United Healthcare, located in West New York, NJ, provides one-time policy consultations to explain differences between supplement plans and recurring service options offering ongoing enrollment support for changing needs. Coverage options include Medicare supplement plans that fill gaps in Original Medicare, such as deductibles, coinsurance, and international travel emergencies. This agency also addresses supplemental needs for accident, critical illness, and hospital indemnity insurance with tailored individual guidance. Service runs on both a scheduled and as-needed basis, with agents available for annual reviews or immediate claim questions.
As seasons change across West New York, NJ, residents often review their existing health coverage for potential gaps. Intelligent Insurance NJ responds by offering supplemental insurance agent services tailored to the area, helping clients understand policies that address out-of-pocket costs. The company presents clear comparisons of available plans, ensuring that local families can make informed decisions without pressure. An Initial consultation involves a straightforward review of each client’s current coverage and personal healthcare needs, scheduled at their convenience to begin the assessment process.
Farmers Insurance - Edward Medina specializes in supplemental insurance, including accident, critical illness, and hospital indemnity plans, while also assisting clients with general coverage assessments. Based in West New York, NJ, it serves residents seeking financial protection beyond major medical policies. An agent helps explain gaps in existing health plans and suggests affordable add-on options. Seasonal concerns, such as higher illness rates during winter, lead many to inquire about hospital stay benefits or accident policies for outdoor activities.
Farmers Insurance - Hirian Machado provides core insurance coverage and specializes in supplemental insurance policies for residents of West New York, New Jersey. These supplemental plans can help fill gaps left by standard health or auto insurance, offering additional financial protection for unexpected medical costs or accidents. The agency serves a variety of commercial sectors, including local offices, warehouses, and food service establishments requiring tailored liability and property coverage.
GRAN COLOMBIA INSURANCE AGENCY, LLC serves residents in West New York, NJ, with supplemental insurance plans designed to cover medical gaps and out-of-pocket costs. Commercial clients in the same area receive similar supplemental coverage for business liability or income protection. The agency works within the local community to match policies with individual needs. Between regular primary health insurance visits, the agency remains available to adjust existing plans or address new coverage questions that arise from changing personal circumstances.
What Does a a Supplemental Insurance Agent in West New York Cost?
Supplemental insurance costs in New Jersey vary by plan type, age, and location. Medigap Plan G premiums for a 65-year-old in West New York typically range from $120 to $250 per month. Medicare Advantage plans may have $0 premiums but include copays and deductibles. Costs also depend on the insurer and your health history during underwriting. This is general information, not insurance advice.
About supplemental insurance agents in West New York
Supplemental insurance agents in West New York, New Jersey help residents find policies that cover gaps in Medicare or employer plans. New Jersey law requires agents to be licensed by the state Department of Banking and Insurance. These agents can explain plans like Medigap or Medicare Advantage to match your health needs and budget.
Frequently Asked Questions
What does a supplemental insurance agent in West New York do?
A supplemental insurance agent helps you compare and enroll in plans that cover costs not paid by Original Medicare. They explain options like Medigap plans A through N and Medicare Advantage plans available in Hudson County. Agents must follow New Jersey insurance regulations and provide clear policy details.
When can I enroll in a supplemental plan in New Jersey?
You have a six-month Medigap open enrollment period starting when you are 65 and enrolled in Medicare Part B. During this time, insurers cannot deny coverage or charge higher premiums due to health conditions. Outside this window, you may face medical underwriting in New Jersey.
Are supplemental insurance agents in West New York required to be licensed?
Yes, all insurance agents in New Jersey must hold a valid license from the New Jersey Department of Banking and Insurance. You can verify an agents license on the NJDOBI website. This ensures they meet state education and ethical standards.
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