The top-rated supplemental insurance agent in Avon Lake, Ohio is Christina Estes - State Farm Insurance Agent, rated 5.0 stars across 130 reviews. Other highly rated options include Chip Wentz - State Farm Insurance Agent, Cobos Insurance Center, Dover Insurance Agency. This directory lists 10 supplemental insurance agents serving Avon Lake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Christina Estes - State Farm Insurance Agent | 379 Lear Rd #200 | (440) 695-1069 |
| 2 | Chip Wentz - State Farm Insurance Agent | 445 Avon Belden Rd Ste A1A | (440) 933-2720 |
| 3 | Cobos Insurance Center | 32745 Walker Rd Suite A | (440) 933-5223 |
| 4 | Dover Insurance Agency | 215 Miller Rd #6 | (440) 756-5636 |
| 5 | Adam Noll Agency: Allstate Insurance | 445 Avon Belden Rd Suite B3 | (440) 930-8570 |
| 6 | Lance Meiners Insurance Agency Inc | 152 Lear Rd | (440) 933-6277 |
| 7 | Barco Insurance Agency | 659 Canter Ct | (440) 933-4402 |
| 8 | O'Donnell Insurance Agency | Beck Rd | (440) 517-4814 |
| 9 | Total Insurance Agency Group Inc. | 445 Avon Belden Rd | (440) 250-4463 |
| 10 | Meiners Insurance | 152 Lear Rd | (440) 933-6277 |
Christina Estes - State Farm Insurance Agent serves the Avon Lake, Ohio area, offering supplemental insurance coverage designed to fill gaps not addressed by primary health plans. These policies typically provide direct cash benefits to help policyholders manage deductibles, copayments, or lost income during recovery from an illness or injury. The agency works with local residents to explain options through in-person consultations or phone discussions. Supplemental coverage for accident recovery and hospital confinement are specific services handled in this area.
Chip Wentz - State Farm Insurance Agent in Avon Lake, OH, provides supplemental insurance options designed to help cover gaps left by primary health plans. These policies typically include accident, critical illness, and hospital indemnity coverage, offering financial support during unexpected medical events. Service includes personalized policy reviews to ensure coverage aligns with individual needs. The agent services a variety of properties throughout the local area, including single-family homes, apartments, retail businesses, and restaurants.
Cobos Insurance Center provides supplemental insurance policies designed to fill gaps left by standard health coverage. Its specialty add-ons include accident, critical illness, and hospital indemnity plans. These policies can assist with out-of-pocket costs, deductibles, and daily expenses during medical events. Located in Avon Lake, Ohio, the company serves commercial clients in sectors such as offices, warehouses, and food service.
Dover Insurance Agency serves residential clients in Avon Lake, Ohio, by providing supplemental insurance coverage designed to fill gaps left by standard health plans. For commercial clients, the agency extends these same supplemental insurance solutions to local businesses throughout the broader community. Their work involves helping customers select plans for accident, critical illness, or hospital indemnity needs. After an initial enrollment, the agency follows up between regular visits to adjust coverage as circumstances change, ensuring policyholders maintain appropriate protection.
Homeowners, property managers, and small business owners in Avon Lake, Ohio, turn to Adam Noll Agency: Allstate Insurance for supplemental insurance coverage. These policies help fill gaps left by standard health or property plans, addressing specific financial risks such as accident recovery or income interruption. The agency provides personalized guidance to match each client’s unique needs, ensuring appropriate protection without overcomplicating the process. It also serves residents and business operators across the greater Lorain County metro area, including communities west of Cleveland.
Lance Meiners Insurance Agency Inc serves Avon Lake, Ohio, and the surrounding communities in Lorain and Cuyahoga counties. The company specializes in supplemental insurance, handling policies related to accident, critical illness, hospital indemnity, and disability coverage. It assists clients in understanding gaps left by major medical plans. To handle a typical job, the agency conducts a personalized needs assessment, reviews existing coverage, and presents tailored plan options for consideration.
Barco Insurance Agency of Avon Lake, Ohio, assists individuals in distinguishing between one-time accident plans and recurring supplemental coverage that helps with everyday medical gaps. These policies typically cover hospital stays, critical illness expenses, or accident-related deductibles that primary insurance leaves behind. The agency helps clients evaluate options for filling such shortfalls, focusing on clear explanations of how each plan applies to specific health events or ongoing needs. Service appointments are available on an as-needed basis, allowing residents to request assistance only when reviewing or updating their protection.
O'Donnell Insurance Agency in Avon Lake, OH specializes in supplemental insurance plans that cover gaps left by primary health policies. The agency provides individual consultations to help clients select policies tailored to their financial situation and healthcare needs. In this area, supplemental agents assist with both short-term medical needs and long-term coverage planning. As local healthcare costs fluctuate, the agency helps residents manage the financial impact of unexpected medical bills during open enrollment periods or after a sudden diagnosis.
When Ohio's open enrollment season closes or a life event creates a coverage gap, many Avon Lake residents seek a local agent to navigate their options. Total Insurance Agency Group Inc. serves this need by offering supplemental insurance policies, such as those for accident, critical illness, or hospital indemnity, which help cover costs that primary health plans leave behind. Their process begins by examining an individual's current coverage to identify specific gaps, followed by a no-obligation in-home or virtual consultation to assess initial needs.
Meiners Insurance works with individuals and families to fill gaps in standard health coverage by offering supplemental insurance policies. These plans are designed to provide additional financial protection for unexpected medical expenses, hospital stays, or critical illness events. Based in Avon Lake, OH, the agency serves clients throughout the region. Supplemental insurance agents like Meiners typically tailor coverage to meet diverse needs, supporting clients in offices, warehouses, and food service environments.
What Does a a Supplemental Insurance Agent in Avon Lake Cost?
Costs for supplemental insurance in Ohio vary by plan type and provider. Medicare Supplement Plan G in Avon Lake typically ranges from 120 to 250 dollars per month for a 65-year-old. Hospital indemnity plans may cost 30 to 80 dollars per month. Rates depend on age, gender, and tobacco use. This is general information and not insurance advice.
About supplemental insurance agents in Avon Lake
Supplemental insurance agents in Avon Lake Ohio help residents fill gaps in Medicare and major medical coverage. Ohio law requires agents to be licensed through the Ohio Department of Insurance. Local agents can explain plans like Medigap and hospital indemnity policies for Avon Lake seniors and families.
Frequently Asked Questions
What does a supplemental insurance agent in Avon Lake do?
A supplemental insurance agent helps you compare and enroll in plans that cover costs not paid by your primary insurance. This includes Medicare Supplement plans and accident or critical illness policies. Agents in Avon Lake must follow Ohio insurance regulations and disclose all plan details.
What is the open enrollment period for Medicare supplements in Ohio?
In Ohio, the best time to buy a Medicare Supplement plan is during the six-month open enrollment period that starts when you are 65 and enrolled in Medicare Part B. During this time, you cannot be denied coverage or charged more for pre-existing conditions. After this window, insurers may use medical underwriting.
Are supplemental insurance agents in Avon Lake required to be licensed in Ohio?
Yes. All insurance agents in Ohio must hold a valid license from the Ohio Department of Insurance. You can verify an agents license on the ODI website. Agents must also follow Ohio Revised Code Chapter 3905 regarding ethical sales practices.
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