The top-rated supplemental insurance agent in Rochester, New York is VanScoter Insurance Agency LLC, rated 5.0 stars across 438 reviews. Other highly rated options include Elmwood Agency, Quinton Insurance, Freeway Insurance. This directory lists 51 supplemental insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | VanScoter Insurance Agency LLC | 1577 W Ridge Rd Suite 218 | (585) 663-2004 |
| 2 | Elmwood Agency | 1 Reserve View Blvd | (585) 548-4500 |
| 3 | Quinton Insurance | 2700 Elmwood Ave | (585) 244-9004 |
| 4 | Freeway Insurance | 2199 E Henrietta Rd | (585) 283-2053 |
| 5 | FLANAGAN MILLS INSURANCE AGENCY | 448 Titus Ave | (585) 678-8008 |
| 6 | Flour City Insurance Agency | 1260 Scottsville Rd Suite 202A | (585) 861-2002 |
| 7 | Insurance Marketplace Agency | 150 Allens Creek Rd Suite 220 | (585) 482-9980 |
| 8 | InsuranceTrak Services | 4515 Culver Rd # 206 | (585) 282-0934 |
| 9 | Ferris Insurance Agency | 2314 Lyell Ave | (585) 254-7440 |
| 10 | Lifetime Financial Group, LLC | 35 State St | (585) 325-2525 |
VanScoter Insurance Agency LLC, based in Rochester, New York, assists clients with general supplemental insurance coverage designed to fill gaps left by major medical plans, including accident and critical illness policies. The agency’s specialty add-ons allow individuals to address specific financial exposures that standard health insurance does not cover. These customizable solutions provide support during unexpected health events, ensuring a smoother recovery process. The agency serves a diverse range of commercial sectors, including offices, warehouses, and food service establishments, tailoring coverage to meet workplace-specific needs.
The long winters in Rochester often prompt families to review their protection plans, and Elmwood Agency helps residents navigate supplemental insurance options to fill gaps in standard health coverage. As a nearby agency, it focuses on explaining plan differences without assuming prior knowledge of the field. The typical process begins with an inspection-style review of current policies and household needs, starting with a simple initial-assessment phone call to identify the right area of coverage.
Based in Rochester, New York, Quinton Insurance works as a Supplemental Insurance Agent to help clients bridge gaps in standard coverage. The company specializes in offering secondary policies that provide added financial protection for unexpected events not fully covered by primary plans. These supplemental products help manage out-of-pocket costs and offer additional security for individuals and businesses. Quinton Insurance serves a variety of commercial sectors, including local offices, warehouses, and food service operations requiring tailored coverage solutions.
Freeway Insurance serves residents of Rochester, New York, providing supplemental insurance coverage to help fill gaps in primary health plans. The agency also assists local businesses with commercial policies designed to protect their operations and employees. Service extends throughout the Rochester area, offering tailored options for individuals and organizations. Clients often contact the agency between regular visits to adjust their coverage as their needs change, ensuring ongoing protection.
FLANAGAN MILLS INSURANCE AGENCY is a Supplemental Insurance Agent company serving clients in Rochester, New York. This agency helps individuals fill gaps in their primary health coverage by offering policies that cover deductibles, copays, and other out-of-pocket costs. Such supplemental plans are designed to provide financial protection against unexpected medical expenses. The agency also specializes in enrolling clients in short-term medical plans to bridge coverage between job changes or other life transitions.
Flour City Insurance Agency serves the Rochester, New York metro area by helping residents and families navigate the complexities of supplemental health coverage. Supplemental insurance agents in this region typically address gaps left by primary medical and hospital plans. The agency focuses on policies that provide additional financial protection for unexpected medical events and everyday healthcare expenses. These offerings often include critical illness coverage and hospital indemnity plans, which help policyholders manage out-of-pocket costs not covered by major medical insurance.
Insurance Marketplace Agency provides a range of supplemental insurance options to help clients manage out-of-pocket costs not covered by major medical plans. Its service approach focuses on guiding individuals through plan selection and assisting with claims and policy questions. These plans help cover expenses like deductibles, copays, and other gaps. The agency services a variety of properties, including single-family homes, apartments, retail locations, and restaurants in the Rochester, New York, area.
Ferris Insurance Agency serves homeowners, small businesses, and property managers in Rochester, New York, who need supplemental coverage beyond standard policies. The agency assists clients with selecting accident, critical illness, and hospital indemnity plans that help fill gaps left by major medical insurance. Each policy option is explained with attention to individual risk situations and budget constraints. Licensed agents guide customers through enrollment and ongoing claims support. The agency also provides coverage assistance for residents in the nearby town of Irondequoit.
What Does a a Supplemental Insurance Agent in Rochester Cost?
The cost of working with a supplemental insurance agent in New York is typically free to you because the agent earns a commission from the insurance company. Plan premiums vary widely: a Medigap Plan G in Rochester can range from $150 to $300 per month for a 65-year-old, while a cancer policy might cost $30 to $80 per month. Costs depend on your age, health, and the specific policy. This is general information, not insurance advice.
About supplemental insurance agents in Rochester
Supplemental insurance agents in Rochester, New York help residents fill gaps in their primary health coverage. These agents can explain plans like Medicare Supplement (Medigap) and fixed-benefit policies that comply with New York Insurance Law. Local agents understand the unique needs of the Rochester community, including coverage for seasonal workers and retirees.
Frequently Asked Questions
What is a supplemental insurance agent in Rochester?
A supplemental insurance agent in Rochester helps you buy policies that pay cash benefits for specific events, such as hospital stays or critical illness. These plans are separate from major medical insurance and are regulated by the New York State Department of Financial Services.
Do I need a supplemental insurance agent if I have Medicare in New York?
It can be helpful because New York has special rules for Medigap. For example, under New York law, you have a guaranteed issue right to buy a Medigap policy during your initial enrollment period. An agent can compare plans from different carriers to find one that fits your budget.
How do I choose a supplemental insurance agent in Rochester?
Look for an agent licensed by the New York State Department of Financial Services. Ask about their experience with plans like hospital indemnity or accident insurance. Check online reviews and confirm they represent multiple insurance companies to offer you options.
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