The top-rated health insurance agent in Richmond, Kentucky is Parsons & Howard Insurance Group LLC, rated 5.0 stars across 166 reviews. Other highly rated options include BluegrassMedicare, State Farm: Jerry Goble, The Richmond Insurance Group. This directory lists 21 health insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Parsons & Howard Insurance Group LLC | 332 High Land Park Dr | (859) 624-9199 |
| 2 | BluegrassMedicare | 369 Big Hill Ave | (859) 285-7600 |
| 3 | State Farm: Jerry Goble | 444 Big Hill Ave | (859) 623-0350 |
| 4 | The Richmond Insurance Group | 2130 Lexington Rd suite e | (859) 353-5596 |
| 5 | Insurance Pro | 226 E Main St | (859) 624-1500 |
| 6 | Bray and Oakley Insurance Agency | 2150 Lexington Rd d2 | (859) 623-1933 |
| 7 | Greg Neace: Kentucky Farm Bureau Insurance/ Madison County-North | 296 Michelle Dr | (859) 626-7725 |
| 8 | Kentucky Farm Bureau Insurance | 300 High Land Park Dr | (859) 623-5254 |
| 9 | Madison Insurance Agency | 310 Geri Ln | (859) 626-0002 |
| 10 | Linville Insurance Agency | 1060 Center Dr | (859) 626-5252 |
Parsons & Howard Insurance Group LLC provides a range of health insurance agent services, including plan selection assistance and enrollment support for individuals and families. It also offers ongoing service plans that help clients manage their coverage needs and navigate policy renewals throughout the year. These plans are designed to assist with claims questions and plan adjustments as circumstances change. The company services single-family homes, apartments, retail, and restaurants in the Richmond, KY area.
BluegrassMedicare serves local homeowners, individuals, and families in Richmond, Kentucky, by providing guidance through health insurance plan options. The agency helps clients compare coverage from major carriers to find suitable plans for their healthcare needs and budgets. As an health insurance agent, it assists with understanding enrollment periods and policy details. BluegrassMedicare also extends its services to residents in nearby Berea, ensuring those in the surrounding Madison County area have access to professional insurance assistance.
State Farm: Jerry Goble serves the Richmond, KY area with comprehensive local health insurance agent services. This agency assists individuals and families in navigating their health coverage options throughout the region. Clients receive guidance on plan selection to match their specific medical needs and budget. The office helps enroll clients in individual health plans and offers support for supplemental coverage during open enrollment periods.
The Richmond Insurance Group, based in Richmond, KY, differentiates between one-time plan reviews and recurring service engagements for ongoing policy adjustments. Coverage options include individual and family health plans that address routine care and major medical needs. As a local health insurance agent, they help clients navigate plan details and compare available carriers. Service is provided on a scheduled or as-needed basis to accommodate changing health circumstances or annual enrollment.
Serving Richmond, KY, and the surrounding communities, Insurance Pro handles health insurance agent services for individuals and families. The company assists clients with navigating plan options, including enrollment and coverage questions. It works with local and national carriers to present available choices. Its general approach includes assessing each client’s specific healthcare needs and budget to recommend suitable plans, then guiding them through the application and documentation process from start to finish.
Bray and Oakley Insurance Agency in Richmond, KY specializes in connecting individuals and families with health insurance plans that match their medical needs and budget. Its general service work involves guiding clients through open enrollment periods, explaining policy options, and assisting with claims questions. As seasonal changes bring cold and flu season, the agency helps residents review their coverage to ensure access to preventative care and urgent doctor visits without unexpected costs.
With Richmond winters driving increased concerns over flu and injury coverage, Greg Neace: Kentucky Farm Bureau Insurance/ Madison County-North assists area residents in selecting health insurance plans that fit varying household budgets. The agency reviews policy options regarding deductibles, networks, and prescription benefits to align with each client’s medical needs. An initial consultation examines current coverage gaps and upcoming care requirements before recommending next steps.
Kentucky Farm Bureau Insurance in Richmond, KY assists individuals and families in finding suitable health insurance coverage. Its agents guide clients through plan options to meet medical needs and budgets. The agency specializes in tailoring policies with add-ons such as dental or vision benefits. It serves commercial sectors, providing health insurance options for small offices, local warehouses, and food service establishments.
Madison Insurance Agency serves residential clients in Richmond, KY, helping them select health plans that match their medical needs and financial situations. The agency also works with local businesses to set up commercial group coverage, extending its services throughout the Richmond area. During each enrollment period, the agent explains plan options and helps customers compare deductibles and networks. After policies are active, the agent follows up to address any claims questions, ensuring smooth service between regular visits.
Linville Insurance Agency in Richmond, KY is known for connecting individuals and families with health insurance plans that match their medical needs and budgets. Its service range includes guiding clients through enrollment in private and marketplace options. The agency helps navigate plan details, from premium costs to provider networks. It also aids with understanding policy changes throughout the year. A specialty service it can add on is assisting with Medicare Advantage plan selection and annual enrollment updates.
What Does a a Health Insurance Agent in Richmond Cost?
Health insurance agents in Kentucky typically do not charge a direct fee to consumers. Their compensation comes from commissions paid by insurance carriers. These commissions are built into the premium you pay and do not increase your cost. For ACA plans, premiums vary widely based on age, income, and plan tier, ranging from under 200 dollars per month with subsidies to over 800 dollars for unsubsidized plans. Medicare Supplement plans may have agent commissions included in the premium. This is general information, not insurance advice.
About health insurance agents in Richmond
Health insurance agents in Richmond, Kentucky help individuals and families find coverage that meets their needs and budget. Kentucky follows federal guidelines for the Affordable Care Act marketplace, and agents can explain plan options, subsidies, and enrollment periods. Local agents understand the healthcare landscape in Madison County and can assist with both individual plans and group coverage for small businesses.
Frequently Asked Questions
What does a health insurance agent in Richmond do?
A health insurance agent helps you compare plans from different carriers, explains coverage details, and assists with enrollment. They can help with ACA marketplace plans, Medicare Advantage, Medicare Supplement, and private health insurance. Agents in Kentucky must be licensed by the Kentucky Department of Insurance.
How do I choose a health insurance agent in Richmond Kentucky?
Look for an agent who is licensed in Kentucky and has experience with the type of coverage you need, such as individual or family plans. You can verify an agents license through the Kentucky Department of Insurance website. Ask about their familiarity with local hospitals and providers in the Richmond area.
When can I enroll in health insurance through an agent in Kentucky?
Open Enrollment for ACA plans typically runs from November 1 to January 15 each year. Special Enrollment periods are available after qualifying life events like marriage, birth, or loss of other coverage. Medicare enrollment periods vary by circumstance, so an agent can help you determine your specific window.
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