The top-rated supplemental insurance agent in Oak Ridge, Tennessee is Bradley Roberts: Allstate Insurance, rated 4.8 stars across 277 reviews. Other highly rated options include Farm Bureau Insurance, Madison Insurance Group, Inc., Thompson Insurance Group. This directory lists 13 supplemental insurance agents serving Oak Ridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bradley Roberts: Allstate Insurance | 106 S Illinois Ave | (865) 482-9596 |
| 2 | Farm Bureau Insurance | 1574 Oak Ridge Turnpike | (865) 482-5666 |
| 3 | Madison Insurance Group, Inc. | 795 Main St W Suite 200 | (865) 425-7300 |
| 4 | Thompson Insurance Group | 697 Emory Valley Rd E | (865) 685-5069 |
| 5 | Fox Insurance Group | 110 S Illinois Ave | (865) 482-0513 |
| 6 | Health Plan Solutions Insurance Agency | 140 Talmeda Rd #138 | (865) 294-4359 |
| 7 | Chris Smith Insurance | 471 Oak Ridge Turnpike Ste.B | (865) 272-3387 |
| 8 | Southern Protection Insurance TN | 113 Raleigh Rd | (865) 290-0191 |
| 9 | Herron-Connell Insurance | 665A Emory Valley Rd | (865) 483-8483 |
| 10 | Wholesure Oak Ridge, TN (Appalachian Underwriters Inc.) | 800 Oak Ridge Turnpike # A1000 | (888) 376-9633 |
Bradley Roberts: Allstate Insurance serves the Oak Ridge, Tennessee area as a supplemental insurance agent. The agency focuses on providing additional coverage options that help fill gaps left by primary health plans. Many local residents seek policies for unexpected medical expenses or income protection during recovery. The office assists customers with understanding how these plans coordinate with existing benefits. Common policies include accident insurance and critical illness coverage to manage financial risks associated with sudden health events.
Farm Bureau Insurance in Oak Ridge, Tennessee focuses on helping clients manage financial risk through general coverage offerings. Its specialization includes supplemental insurance policies that fill gaps left by primary health plans, such as covering deductibles or lost income. These additional plans can be tailored for individual needs or group situations. The agent works with local commercial sectors, including offices, warehouses, and food service operations, to identify appropriate supplemental solutions for their specific business exposures.
Homeowners, businesses, and property managers in Oak Ridge, Tennessee turn to Madison Insurance Group, Inc. for their supplemental insurance needs. As a dedicated local agency, it helps clients fill coverage gaps left by primary health or property policies. Typical services include assistance with accident, hospital indemnity, and critical illness plans designed to protect personal finances. The agency also serves neighboring communities throughout the Anderson County metro area, including Clinton and the surrounding suburban region.
Thompson Insurance Group in Oak Ridge, TN offers both one-time policy evaluations and ongoing recurring enrollment services, helping clients choose between short-term gap coverage and long-term benefit plans. As a supplemental insurance agent, the company provides policies that address expenses not covered by primary health insurance, such as accident or critical illness costs. Service runs on a one-time, scheduled, or as-needed basis depending on the client's preference and policy requirements.
Fox Insurance Group serves the Oak Ridge area and surrounding East Tennessee communities, handling supplemental insurance policies for individuals and families. It helps clients obtain specialized coverage that complements primary health plans, addressing gaps for hospital stays, accidents, or critical illnesses. The agency typically begins with a detailed review of existing benefits, then presents clear options to meet specific needs, ensuring clients understand their choices before making any decisions.
Specializing in Medicare supplements and hospital indemnity plans, Health Plan Solutions Insurance Agency in Oak Ridge, TN matches clients with supplemental coverage that fills gaps left by major medical insurance. Its general service includes comparing policies from multiple carriers to address individual health needs and budgets. The agency regularly helps seniors understand their options during the Annual Enrollment Period from October to December to avoid late enrollment penalties.
As Medicare annual enrollment and spring flooding season bring financial questions to East Tennessee residents, Chris Smith Insurance helps Oak Ridge individuals explore supplemental plans that cover gaps in primary health or property policies. The agency focuses on matching each client with suitable Medigap or hospital indemnity options. After an initial consultation, a brief fact-finding interview is conducted to identify the appropriate coverage level and potential policy exclusions before any formal inspection of existing coverage takes place.
Southern Protection Insurance TN serves residents in Oak Ridge by offering supplemental insurance that helps cover gaps in primary health plans. The agency also provides commercial coverage options for local businesses needing tailored protection beyond standard policies. Across the Oak Ridge area, agents work with clients to explain policy details and adjust coverage as needs change. Between regular visits, the agency follows up to address claims assistance or policy updates, ensuring continued support without requiring a new appointment.
Herron-Connell Insurance provides supplemental insurance coverage designed to fill gaps left by standard health plans. Common add-ons available through the agency include accident, critical illness, cancer, hospital indemnity, and short-term disability policies. These plans help policyholders manage out-of-pocket expenses and income loss during medical events. Herron-Connell Insurance serves local commercial clients, including office environments, industrial warehouses, and food service operations in Oak Ridge, TN.
Wholesure Oak Ridge, TN (Appalachian Underwriters Inc.) provides a comprehensive range of supplemental insurance options designed to fill critical gaps in standard health and life policies. The agent works with clients to select suitable plans, such as those covering accident, critical illness, or hospital indemnity, and offers ongoing service to manage claims and adjust coverage as needs change. In the Oak Ridge area, these services support homeowners, single-family households, apartment dwellers, retail businesses, and restaurants.
What Does a a Supplemental Insurance Agent in Oak Ridge Cost?
Supplemental insurance premiums in Tennessee vary by plan type age and insurer. Medigap Plan G for a 65-year-old in Oak Ridge typically ranges from 120 to 200 dollars per month. Medicare Advantage plans may have low or zero monthly premiums but include cost-sharing. Costs change each year and depend on your health status and the insurer. This is general information not insurance advice.
About supplemental insurance agents in Oak Ridge
Supplemental insurance agents in Oak Ridge Tennessee help residents find Medigap and Medicare Advantage plans that fit their needs. Tennessee law guarantees a six-month Medigap open enrollment period starting when you turn 65 and enroll in Medicare Part B. Local agents can explain how Tennessee-specific rules affect your coverage options and costs.
Frequently Asked Questions
What is the best time to buy a Medigap policy in Oak Ridge Tennessee?
The best time is during your six-month Medigap open enrollment period that starts when you are 65 and enrolled in Medicare Part B. During this time insurers cannot deny coverage or charge more for pre-existing conditions. After this period you may face medical underwriting.
Do Tennessee supplemental insurance agents charge a fee for their help?
Most supplemental insurance agents are paid by the insurance company through commissions, not by you. You do not pay extra for their guidance. Always confirm with the agent that there is no additional fee.
Can I switch Medicare supplement plans in Tennessee at any time?
You can switch plans at any time but you may have to answer health questions outside of guaranteed issue periods. Tennessee allows you to change plans during your Medigap open enrollment or under special circumstances like losing other coverage. An agent can explain your options.
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