Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

6 Best Cedar Rapids Life Insurance Companies

AAA Cedar Rapids

1519 42nd Street Northeast, Cedar Rapids, IA 52402

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Life Insurance
Health Insurance

AAA Cedar Rapids offers life and health insurance products to the residents of the Cedar Rapids metro. Clients can conveniently request insurance quotes or ask for more information about its products and services through its mobile app and website 24/7. AAA Cedar Rapids offers life and health insurance products, such as annuities, disability, term life, long-term care, group health, and life insurance. Its team of professionals is likewise available to assist clients face-to-face through its 1,000 branches across North America.

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Catherine Riggs Insurance Inc

465 Northland Avenue Northeast, Cedar Rapids, IA 52402

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Life Insurance

Catherine Riggs Insurance, Inc., is an affiliate company of Aflac Insurance that serves the financial security needs of individuals and businesses within the Cedar Rapids metro. It offers portable life insurance products that include term life and whole life insurance policies. Its team also provides supplemental insurance plans that directly pay the policyholder in the event of an unexpected situation. Furthermore, the company offers health, dental, and vision insurance plans through its partnership with several carrier companies.

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Chad Johnson

3726 Queen Court Southwest, Cedar Rapids, IA 52404

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Life Insurance
Health Insurance

Chad Johnson is a State Farm insurance agent who serves clients in Cedar Rapids. He offers life insurance which provides financial security to beneficiaries in the event of an untimely death. His agency also covers insurance products for automobiles, businesses, homes, properties, and pets. In addition, Chad Johnson has been a State Farm agent since 2002. This insurance professional supports local youth and high school sports as a way to give back to the community.

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Insurance Gurus

2310 Johnson Avenue Northwest, Cedar Rapids, IA 52405

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Life Insurance

Founded by Ed Faber in 2015, Insurance Gurus is a local and independent insurance agency. The company serves individuals and corporate clients in Cedar Rapids and its nearby communities. It offers business, event, life, home, and auto insurance products. Insurance Gurus’ term life insurance provides death protection within the term and can cover final and burial expenses. The company carries different products from AAA Insurance, Encompass, Progressive Insurance, Foremost Insurance Group, and State Auto Insurance.

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Kari Klien

3011 Johnson Avenue Northwest, Cedar Rapids, IA 52405

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Life Insurance
Health Insurance

Kari Klien, the founder of Kari Klien Insurance and Financial Services, Inc., is an insurance agent providing life insurance products to residents of Cedar Rapids. She has been affiliated with State Farm Insurance since 1995. Products offered include whole life insurance, term life insurance, and universal life insurance. Kari has designations as a chartered financial consultant, advisor for senior living, and life underwriter from the American College of Financial Services.

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Klug Insurance Services

2750 1st Avenue Northeast, Cedar Rapids, IA 52402

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Individual Plans
Life Insurance

Klug Insurance Services is a full-service independent agency providing life insurance options to its residential and commercial clients in Cedar Rapids. The service provider was formed in 1982 by Ken Klug, along with his son Kevin. The father and son help individuals acquire basic life insurance, including term, whole, and universal plans. Its team also offers disability income protection. The company has access to various carriers such as Progressive, Secura, and Westbend. Other insurance products available include auto, homeowners, and commercial.

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Best Life Insurance Companies in Cedar Rapids

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Life Insurance Companies FAQs

AAA Cedar Rapids

Catherine Riggs Insurance Inc

Chad Johnson

Insurance Gurus

Kari Klien

Klug Insurance Services

Frequently Asked Questions

Q: Who should buy supplemental health insurance?

Q: Can I buy health insurance anytime?

Q: Can I buy health insurance that is not Obamacare?

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