The top-rated supplemental insurance agent in Melville, New York is First Heritage Insurance Agency, rated 4.9 stars across 1,453 reviews. Other highly rated options include PRK Insurance Agency Inc, Brian M. Gill - State Farm Insurance Agent, Clarity Insurance Agency. This directory lists 21 supplemental insurance agents serving Melville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Heritage Insurance Agency | 324 S Service Rd | (631) 659-0189 |
| 2 | PRK Insurance Agency Inc | 425 Broadhollow Rd Suite 415 | (516) 799-9001 |
| 3 | Brian M. Gill - State Farm Insurance Agent | 713 Walt Whitman Rd | (631) 549-9444 |
| 4 | Clarity Insurance Agency | 35 Melville Park Rd #400 | (516) 862-4422 |
| 5 | YZ Insurance Group | 555 Broadhollow Rd # 303 | (516) 464-2100 |
| 6 | Coverland Brokerage Inc | 555 Broadhollow Rd #117 | (516) 696-3590 |
| 7 | Plan Medicare - Long Island Medicare Agent | 48 S Service Rd Suite 400 | (516) 900-7877 |
| 8 | The Modern Medicare Agency | 445 Broadhollow Rd #25 | (631) 387-4403 |
| 9 | ASAP Insurance Brokerage | 200 Broadhollow Rd Suite 207 | (888) 205-6660 |
| 10 | MICHAEL M INSURANCE SERVICES | 445 Broadhollow Rd #25 | (631) 774-3786 |
First Heritage Insurance Agency serves the Melville, New York area as a supplemental insurance agent. The company helps individuals bridge coverage gaps that traditional health plans often leave unfilled. Clients in the region can obtain policies designed to manage out-of-pocket expenses from medical events. The agency guides customers through selecting appropriate supplementary coverage for their specific needs. Common policies in this area include hospital indemnity plans and accident insurance, which provide direct cash benefits for covered incidents.
PRK Insurance Agency Inc provides access to supplemental insurance plans designed to cover gaps left by major medical coverage in and around Melville, NY. Service includes explaining policy details, comparing benefit options, and processing claims to help clients manage out-of-pocket costs. The agency assists with plan renewals and answers coverage questions throughout the year. It serves individuals residing in single-family homes, apartments, local retail businesses, and restaurants.
Brian M. Gill - State Farm Insurance Agent in Melville, NY, serves homeowners, renters, and local business owners seeking supplemental insurance coverage. This agency helps clients fill gaps in their existing policies by offering additional protection for specific needs, such as accident recovery or critical illness expenses. Solutions are tailored to support financial stability when standard insurance falls short. The agency also provides services to property managers and residents in Huntington, extending its coverage options across the surrounding Nassau County area.
Serving Melville, NY, and the surrounding communities on Long Island, Clarity Insurance Agency handles supplemental insurance policies to help fill gaps left by primary health coverage. It works with common areas such as accident, critical illness, and hospital indemnity plans. For each client, the agency first reviews an existing health plan to identify specific coverage needs. It then recommends appropriate supplemental options from its available portfolio. To handle a typical job, the agency presents a side-by-side comparison of policy benefits and premium costs for clear client decision-making.
At YZ Insurance Group in Melville, NY, clients choose between one-time policies that cover a single medical event and recurring plans that provide ongoing financial protection. The agency offers supplemental coverage designed to bridge gaps left by primary health insurance, helping with deductibles, co-pays, and unexpected expenses for local residents. Service operates on an as-needed basis, allowing individuals to select appointments or request quotes whenever their specific situation requires it.
Coverland Brokerage Inc, located in Melville, NY, specializes in supplemental insurance, offering policies that fill gaps left by primary health coverage. As a local agent, it works with individuals and families to select plans for expenses such as deductibles, copays, and outpatient care. A typical area of focus involves explaining how these plans coordinate with Medicare and employer benefits. This coverage proves especially valuable during open enrollment periods, when clients must weigh options for the coming year to avoid unexpected out-of-pocket medical costs.
With Medicare enrollment periods arriving each year, many older adults on Long Island find themselves sorting through complex coverage options and gaps in their current plans. Plan Medicare - Long Island Medicare Agent, based in Melville, assists local residents by explaining supplemental insurance choices in straightforward language. The agency focuses on matching policies to individual healthcare needs and budgets without assuming prior knowledge. An initial assessment appointment is scheduled to review the client’s existing coverage and specific medical requirements before any recommendations are made.
The Modern Medicare Agency operates as a supplemental insurance agent in Melville, NY, assisting clients in bridging coverage gaps left by primary health plans. The agency specializes in Medicare supplements, hospital indemnity, and critical illness add-ons, addressing out-of-pocket costs. Serving individual policyholders across the local area, it extends its services to commercial sectors such as offices, warehouses, and food service.
ASAP Insurance Brokerage serves residents in Melville, New York, offering supplemental insurance policies to help cover healthcare costs outside standard plans. The agency also supports local commercial clients with comparable coverage options for their businesses. By focusing on specific gaps in medical and dental protection, they enable policyholders to manage out-of-pocket expenses more effectively. Their service area extends throughout Melville and the surrounding regions on Long Island. After each enrollment, the agent follows up proactively to ensure coverage remains suitable, providing ongoing support between regular visits.
MICHAEL M INSURANCE SERVICES in Melville, NY, is known for personalized supplemental insurance coverage that fills gaps left by major medical plans. The agency helps clients navigate options for hospital indemnity, accident, and critical illness policies. They also assist with dental, vision, and short-term disability plans for individuals and families. A specialty service they offer is policy review and coordination with existing benefits to ensure comprehensive protection.
What Does a a Supplemental Insurance Agent in Melville Cost?
Supplemental insurance costs in New York vary widely by plan type, age, and health status. For example, a Medigap Plan G for a 65-year-old in Melville might cost between $120 and $250 per month. Hospital indemnity plans can range from $30 to $100 per month. These are general estimates only. This information is general and does not constitute insurance advice.
About supplemental insurance agents in Melville
Supplemental insurance agents in Melville, New York help residents fill gaps in their primary health coverage. These agents can explain plans like Medicare Supplement (Medigap) and hospital indemnity insurance, which are regulated by the New York State Department of Financial Services. New York law allows a six-month open enrollment period for Medigap plans starting when you first enroll in Medicare Part B at age 65.
Frequently Asked Questions
What is a supplemental insurance agent in Melville?
A supplemental insurance agent in Melville is a licensed professional who helps you buy policies that cover costs not paid by your main health insurance. They can assist with plans like accident, critical illness, or hospital indemnity insurance.
Do I need supplemental insurance if I have Medicare in New York?
Medicare does not cover all costs, such as deductibles and copayments. A Medicare Supplement (Medigap) policy can help pay these out-of-pocket expenses. In New York, you have guaranteed issue rights during your initial enrollment period.
How do I choose a supplemental insurance agent in Melville?
Look for an agent licensed in New York with experience in supplemental health products. You can verify their license through the New York State Department of Financial Services website. Ask about the specific insurers they represent.
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