The top-rated supplemental insurance agent in Holbrook, New York is Brian O'Keefe - State Farm Insurance Agent, rated 4.9 stars across 391 reviews. Other highly rated options include VRP Insurance Agency, Fairway Insurance Agency, GMJ Insurance Brokerage LLC. This directory lists 12 supplemental insurance agents serving Holbrook.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brian O'Keefe - State Farm Insurance Agent | 411 Furrows Rd | (631) 580-3276 |
| 2 | VRP Insurance Agency | 955 Main St Suite 2 | (631) 738-7300 |
| 3 | Fairway Insurance Agency | 101 Colin Dr #7 | (631) 676-2200 |
| 4 | GMJ Insurance Brokerage LLC | 4250 Veterans Memorial Hwy Suite 3100W | (631) 855-0281 |
| 5 | The Coste Agency, Inc. | 1000 Main St | (631) 588-2116 |
| 6 | Matthew Fox: Allstate Insurance | 4250 Veterans Memorial Hwy Ste 228e | (631) 981-4900 |
| 7 | Florence Insurance NY | 233 Union Ave | (347) 315-1511 |
| 8 | Enterprise Insurance | 761 Coates Ave N Ste #41 | (631) 536-5100 |
| 9 | Aflac Insurance Agent - Michael P Destefano | 4250 Veterans Memorial Hwy | (631) 676-5608 |
| 10 | Primerica | 4250 Veterans Memorial Hwy | (631) 439-0386 |
Brian O'Keefe - State Farm Insurance Agent serves the Holbrook, New York area and the surrounding Suffolk County region as a supplemental insurance agent. This office assists clients by offering policies that fill gaps left by primary health coverage. These plans can help manage out-of-pocket costs not covered by a major medical plan. The agency focuses on individual needs and explains how supplemental options provide additional financial protection. Services handled here include accident insurance and critical illness coverage, which pay benefits directly to the policyholder for eligible events.
VRP Insurance Agency provides supplemental insurance coverage designed to fill gaps left by major medical policies, including accident, critical illness, and hospital indemnity plans. It offers personalized service to help clients understand their options and maintain coverage through renewal support and claims assistance. This Holbrook agency serves individual policyholders and local businesses, working with single-family homes, apartments, retail locations, and restaurants.
Fairway Insurance Agency serves homeowners, renters, and small business owners in the Holbrook, New York area who need supplemental insurance coverage beyond standard policies. The agency helps clients fill gaps in health and property protection, offering tailored plans for accident recovery, critical illness, and income replacement. Every client receives personal guidance in selecting cost-effective coverage that fits their specific circumstances. The agency also extends its supplemental insurance services to clients throughout nearby Ronkonkoma and the surrounding Suffolk County communities.
GMJ Insurance Brokerage LLC serves Holbrook, New York, and the surrounding communities on Long Island, handling supplemental insurance needs for local residents and families. This category of insurance helps cover gaps left by major medical policies, such as disability income or critical illness support. The company generally reviews each client’s existing coverage, identifies areas where out-of-pocket costs could arise, and explains suitable plan options. It then completes the enrollment paperwork and coordinates with insurers to ensure a straightforward, efficient process from start to finish.
The Coste Agency, Inc. in Holbrook, NY specializes in offering supplemental insurance plans that help cover costs traditional health policies do not, such as accident, hospital indemnity, and critical illness gaps. It guides local clients through selecting coverage that complements existing major medical insurance to reduce out-of-pocket expenses. This service is especially relevant when open enrollment periods end, as individuals are often then left without a chance to add protection against unforeseen medical bills.
Matthew Fox: Allstate Insurance in Holbrook, NY offers supplemental insurance agents who help clients distinguish between one-time service options, such as signing a single policy, and recurring service options that involve annual policy reviews and updates. Coverage typically includes accident, hospital indemnity, and critical illness plans that fill gaps left by primary health insurance. These agents provide local guidance to match plans with individual needs. Service runs on an as-needed basis, with clients scheduling appointments for policy changes, claims assistance, or annual check-ins.
As winter utility costs rise in Holbrook, NY, families often seek ways to protect against unexpected financial strain. Florence Insurance NY helps local residents evaluate supplemental insurance options to cover gaps that standard health plans may leave. Their agents meet with clients in person, providing clear explanations of available policies tailored to individual needs in the community. After an initial conversation about coverage priorities and household budget, they schedule a thorough assessment of each client’s current insurance situation.
Enterprise Insurance serves as a supplemental insurance agent in Holbrook, NY, providing policies that fill coverage gaps left by standard health plans. Its specialty includes accident, critical illness, and hospital indemnity add-ons designed to offset out-of-pocket costs. The agency assists clients in securing financial protection for unexpected medical events. It can serve commercial sectors such as offices, warehouses, and food service establishments.
Aflac Insurance Agent - Michael P Destefano in Holbrook, NY offers supplemental insurance to residents in their homes, helping cover gaps left by major medical plans. Commercial clients in the local area also receive policies for accident or critical illness support. Service focuses on explaining coverage for long-term needs during an initial visit. Regular follow-up appointments are scheduled to adjust plans as customer circumstances change or claim questions arise between routine reviews.
What Does a a Supplemental Insurance Agent in Holbrook Cost?
Costs for supplemental insurance in New York vary by plan type, age, and insurer. Medigap Plan G premiums for a 65-year-old in Suffolk County typically range from $150 to $300 per month. Other supplemental plans like accident or hospital indemnity may cost $30 to $100 per month. This is general information, not insurance advice.
About supplemental insurance agents in Holbrook
Supplemental insurance agents in Holbrook, New York help residents choose policies that cover gaps in primary health plans. New York state law guarantees issue of Medigap policies during open enrollment and special periods. Agents guide clients through options like Medicare Supplement Plans A through N and other ancillary coverages.
Frequently Asked Questions
What is a supplemental insurance agent in Holbrook?
A supplemental insurance agent in Holbrook helps you buy policies that pay for costs not covered by your main health insurance. This includes Medicare supplements, accident plans, and critical illness coverage. Agents must be licensed by the New York State Department of Financial Services.
When can I enroll in a Medigap plan in New York?
In New York, you have a six-month open enrollment period starting when you are both 65 and enrolled in Medicare Part B. New York also offers a guaranteed issue right for Medigap plans year-round for eligible individuals. Outside these periods, insurers may use medical underwriting.
Are supplemental insurance plans regulated in New York?
Yes, New York regulates all supplemental insurance plans under state insurance law. For example, New York Insurance Law Section 3216 sets standards for individual health policies. Agents must follow strict rules about marketing and disclosure.
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