The top-rated supplemental insurance agent in La Crosse, Wisconsin is Coulee Region Insurance & Financial, Inc., rated 4.9 stars across 413 reviews. Other highly rated options include Preferred Insurance Agency, Strive Medicare, Tim Best Agency LLC American Family Insurance. This directory lists 17 supplemental insurance agents serving La Crosse.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Coulee Region Insurance & Financial, Inc. | 2942 Darling Ct | (608) 784-8280 |
| 2 | Preferred Insurance Agency | 401 King St | (608) 881-6566 |
| 3 | Strive Medicare | 210 7th St S Suite 202 | (608) 784-8969 |
| 4 | Tim Best Agency LLC American Family Insurance | 4535 Mormon Coulee Rd | (608) 519-3396 |
| 5 | Townsend Insurance | 3629 Mormon Coulee Rd # C | (608) 788-4258 |
| 6 | Ryan Schultz and Associates, LLC American Family Insurance | 1901 State Rd | (608) 782-5780 |
| 7 | O'Brien Insurance Agency, Inc | 700 3rd St N LL2 | (608) 785-7854 |
| 8 | Rita Sanger Agency LLC American Family Insurance | 3502 Mormon Coulee Rd | (608) 787-1820 |
| 9 | SMA Insurance Group | 3167 Berlin Dr | (800) 344-3948 |
| 10 | Sandmire Insurance | 401 King St Suite D | (608) 782-2060 |
Coulee Region Insurance & Financial, Inc., serving the La Crosse, Wisconsin area, specializes as a supplemental insurance agent. It helps clients bridge gaps in primary health coverage by offering policies that address out-of-pocket expenses. The agency works with individuals seeking to manage deductibles, copayments, and other unforeseen medical costs. Typical services include enrolling clients in accident and critical illness plans to provide additional financial protection when unexpected health events arise.
Preferred Insurance Agency in La Crosse, WI, offers a range of supplemental insurance plans designed to fill gaps in standard health coverage, including accident, critical illness, and hospital indemnity policies. It provides straightforward service options, with policyholders receiving support for claims filing and benefit coordination. Local clients rely on these plans to cover deductibles and out-of-pocket expenses. The agency serves single-family homes, apartments, retail stores, and restaurants throughout the La Crosse area.
Strive Medicare serves area seniors and those preparing for Medicare enrollment who seek guidance through the complexities of supplemental insurance options. The agency helps clients review and select Medicare Supplement and Part D plans that match individual health needs and budgets. Located in La Crosse, Wisconsin, the company provides personalized consultations to clarify coverage choices and enrollment timelines. Strive Medicare also assists residents in surrounding communities such as Onalaska and the greater Coulee Region with their insurance decisions.
Serving La Crosse, Wisconsin, and the surrounding communities, Tim Best Agency LLC American Family Insurance handles supplemental insurance coverage designed to fill gaps left by primary health plans. The agency helps clients evaluate options for accident, critical illness, or hospital indemnity policies that provide direct cash benefits. To manage a typical request, an agent first reviews the client’s existing coverage before explaining how specific supplemental plans might address uncovered out‑of‑pocket costs.
Townsend Insurance in La Crosse, WI assists clients with supplemental insurance, which differs from one-time health policies by offering recurring benefits that help cover gaps in primary coverage. These regularly renewed plans address expenses like deductibles or hospital stays. Service is arranged on either a scheduled or as-needed basis, depending on the client’s need for ongoing enrollment assistance or occasional policy review.
As winter approaches in La Crosse, unexpected medical expenses can strain a household budget. Ryan Schultz and Associates, LLC American Family Insurance helps residents explore supplemental insurance options to address coverage gaps that standard health plans often leave behind. They assist clients in understanding policies designed for specific needs, such as accident or hospital indemnity plans. The process begins with a thorough review of a person’s current coverage during a complimentary initial consultation to identify where supplemental protection may be beneficial.
O'Brien Insurance Agency, Inc in La Crosse, WI offers specialized supplemental insurance coverage for gaps in primary health plans. It works on behalf of individual clients to find policies that address out-of-pocket costs and income loss from illness or injury. The agency serves as a local resource for navigating plan options and managing claims. It assists with financial protection during the seasonal uptick in cold and flu claims each winter.
Rita Sanger Agency LLC American Family Insurance serves residents of La Crosse, Wisconsin, helping them select supplemental insurance policies that fill gaps in their primary health coverage. Commercial clients in the area can also obtain supplemental plans to protect their businesses and employees. The agency provides guidance on various options tailored to individual needs and budgets. After an initial enrollment, agents remain available for follow-up questions and schedule periodic policy reviews between regular medical visits.
SMA Insurance Group works with individuals to close the gaps left by standard health coverage, offering supplemental insurance add-ons that manage out-of-pocket costs. These elective policies target specific needs like hospital stays or accident injuries. Located in La Crosse, WI, the agency assists employers in commercial sectors including professional offices, large warehouses, and food service operations by designing benefits packages suited to each workforce environment.
Sandmire Insurance in La Crosse, WI is known for helping local residents select supplemental insurance coverage that fills gaps in major medical plans. Their service range includes policies designed to cover expenses like hospital stays, critical illness treatment, and accident-related costs. By offering personalized consultations, they aim to match each client’s unique needs with available plans. Their specialty service is a dental and vision add-on option for those seeking broader protection.
What Does a a Supplemental Insurance Agent in La Crosse Cost?
Typical costs for supplemental insurance in Wisconsin range from $50 to $300 per month for Medigap plans, depending on age, location, and plan type. Medicare Advantage plans may have lower premiums but higher out-of-pocket costs. Agent services are usually free to you because they earn commissions from insurers. This is general information, not insurance advice.
About supplemental insurance agents in La Crosse
Supplemental insurance agents in La Crosse, Wisconsin help residents fill gaps in Medicare coverage, such as copayments and deductibles. Wisconsin law provides special protections for Medigap policies, including guaranteed issue rights during open enrollment. Agents can explain how Wisconsin’s unique Medicare supplement rules affect your choices.
Frequently Asked Questions
What is a supplemental insurance agent in La Crosse?
A supplemental insurance agent helps you buy Medigap or Medicare Advantage plans that cover costs not paid by Original Medicare. In Wisconsin, agents must be licensed by the state and follow Wisconsin insurance regulations.
When can I enroll in a Medigap plan in Wisconsin?
You have a six-month Medigap open enrollment period starting when you are 65 and enrolled in Medicare Part B. During this time, insurers cannot deny coverage or charge higher premiums due to health conditions under Wisconsin law.
Are there special Wisconsin rules for Medigap plans?
Yes, Wisconsin requires standardized Medigap plans labeled A through L. These plans have specific benefits and cannot be modified by insurers. Wisconsin also allows a one-time trial period for switching Medigap plans.
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