The top-rated supplemental insurance agent in Rome, New York is Stephanie Utter - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Freeway Insurance, Michael Collea - State Farm Insurance Agent, Moore Insurance Group. This directory lists 14 supplemental insurance agents serving Rome.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Utter - State Farm Insurance Agent | 8060 Turin Rd | (315) 339-3300 |
| 2 | Freeway Insurance | 211 E Dominick St | (315) 444-3298 |
| 3 | Michael Collea - State Farm Insurance Agent | 146 Erie Blvd E | (315) 371-4225 |
| 4 | Moore Insurance Group | 1002 Black River Blvd | (315) 371-4288 |
| 5 | Joseph Zullo: Allstate Insurance | 241 E Dominick St | (315) 339-1134 |
| 6 | Alan I. Spindler: Allstate Insurance | 813 Black River Blvd N | (315) 336-4040 |
| 7 | Better Fund Insurance | 255 Hill Rd | (516) 893-4317 |
| 8 | Dimaggio Insurance Agency | 200 E Garden St | (315) 336-8875 |
| 9 | Prudential | Dick Presky | Life Insurance & Financial Services | 214 N Washington St | (315) 336-0375 |
| 10 | Barry Scott | 211 E Dominick St | (315) 339-5897 |
Stephanie Utter - State Farm Insurance Agent serves the Rome, New York, metro area as a supplemental insurance agent. The agency provides health and life insurance policies intended to fill coverage gaps for local residents and families. These supplemental plans can help with costs not covered by primary medical insurance. Among its core services, the company offers accident and cancer-specific supplemental insurance policies designed to provide additional financial protection.
Freeway Insurance in Rome, New York offers customers access to supplemental insurance policies that help cover gaps left by standard health plans. As a Supplemental Insurance Agent, the company assists local residents in selecting and enrolling in additional coverage tailored to their individual needs, such as accident, critical illness, or hospital indemnity plans. The agency provides guidance through the enrollment process and ongoing policy management throughout the year. It helps clients address rising out-of-pocket healthcare expenses or prepare for unexpected medical events that may occur during winter flu season.
Michael Collea - State Farm Insurance Agent in Rome, NY, offers supplemental insurance policies that help cover costs not included in major medical plans. The agency provides assistance selecting and enrolling in suitable plans, along with ongoing support for claims and policy questions. Service includes reviewing customers' existing coverage to identify potential gaps and recommending supplemental options as needed. The office serves properties throughout the area, including single-family homes, apartments, retail stores, and full-service restaurants.
Moore Insurance Group serves homeowners, small businesses, and property managers in the Rome, New York area with supplemental insurance policies that help cover gaps left by standard plans. Its agents assist clients in selecting financial protection for income loss during illness or accidental damage not covered by primary coverage. The company provides guidance on comparing plan options to meet individual needs. Its service area also extends to the nearby community of Utica for those seeking local supplemental insurance support.
Joseph Zullo: Allstate Insurance serves the residents of Rome, New York, and the surrounding communities in Oneida County. The agency works as a supplemental insurance agent, offering policies that cover needs not addressed by primary health or life plans. These services include dental, vision, critical illness, and accident coverage. To handle a typical job, the agency starts with a personal consultation to review existing benefits before recommending specific options that fill any identified gaps.
Alan I. Spindler: Allstate Insurance in Rome, NY provides supplemental insurance to fill gaps in primary health coverage. Clients can choose between a one-time policy for a specific need or recurring plans that offer ongoing protection. Coverage is designed to help with expenses that major medical plans may not address. These policies function on an as-needed basis, allowing policyholders to select services only when a particular financial protection requirement arises.
Better Fund Insurance offers supplemental insurance plans designed to fill gaps left by major medical coverage, assisting residents of Rome, NY with routine cost management. It provides general agency services such as policy education, plan comparisons, and claims support for Medicare supplements, cancer, and accident policies. This local agent helps individuals prepare for unexpected out-of-pocket expenses during open enrollment periods and can assist with urgent coverage needs following a recent hospitalization.
Springtime in Rome often brings questions about healthcare gaps not covered by major medical plans, especially among retirees and self‑employed workers. Dimaggio Insurance Agency provides supplemental insurance agents who explain how fixed‑benefit plans and hospital indemnity policies can help with coinsurance or deductibles. These agents help clients assess personal coverage needs and financial situations. An initial review typically begins with a no‑cost consultation to examine existing benefits and identify potential gaps in protection.
Prudential | Dick Presky | Life Insurance & Financial Services serves as a supplemental insurance agent in Rome, NY, helping clients fill coverage gaps with focused add-on policies. The agency specializes in securing extra financial protection through life insurance and related financial products. These supplemental plans address needs that primary policies may not fully cover, offering an additional layer of security. The agency can serve businesses and employees within commercial sectors such as local offices, warehouses, and food service operations.
Barry Scott provides supplemental insurance agent services to residents in the Rome, New York area, helping individuals navigate options that cover gaps left by primary health plans. Commercial clients also receive attention, with tailored solutions available for local businesses seeking additional coverage for their employees or operations. Services extend throughout Rome and surrounding communities in Oneida County. Between regular office visits, the company offers dedicated follow-up to address policy questions or adjust coverage as client needs evolve.
What Does a a Supplemental Insurance Agent in Rome Cost?
Costs for supplemental insurance in Rome, New York vary by plan type, age, and health status. Medigap Plan G premiums typically range from $120 to $250 per month for a 65-year-old. Cancer or critical illness policies may cost $30 to $80 per month. New York does not allow insurers to use gender or health status to set Medigap rates during open enrollment. This is general information, not insurance advice.
About supplemental insurance agents in Rome
Supplemental insurance agents in Rome, New York help residents fill gaps in their primary health coverage. Common plans include Medicare Supplement (Medigap), hospital indemnity, and critical illness policies. Under New York Insurance Law, insurers must offer guaranteed issue Medigap plans during certain enrollment periods, providing important consumer protections.
Frequently Asked Questions
What is a supplemental insurance agent in Rome New York?
A supplemental insurance agent is a licensed professional who helps you buy policies that pay cash benefits for specific events like hospital stays or cancer diagnosis. They work with carriers approved 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 guaranteed issue right to buy a Medigap plan during your one-time Medigap Open Enrollment Period. This period starts when you are both 65 or older and enrolled in Medicare Part B. During this time, insurers cannot deny coverage or charge more due to health conditions.
Are supplemental insurance premiums tax deductible in New York?
Premiums for supplemental health insurance may be deductible as medical expenses on your federal tax return if you itemize deductions. New York State generally follows federal rules for medical expense deductions. Consult a tax professional for your specific situation.
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