The top-rated supplemental insurance agent in Owensboro, Kentucky is The Hayden Agency: Allstate Insurance, rated 4.9 stars across 177 reviews. Other highly rated options include T.H.E Insurance Group, Elevate Insurance Agency Inc, Owensboro Insurance Agency. This directory lists 20 supplemental insurance agents serving Owensboro.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Hayden Agency: Allstate Insurance | 700 Carlton Dr | (270) 926-7007 |
| 2 | T.H.E Insurance Group | 745 Carlton Dr | (270) 240-1835 |
| 3 | Elevate Insurance Agency Inc | 3118 Alvey Park Dr E Ste 4 | (270) 682-0001 |
| 4 | Owensboro Insurance Agency | 328 Legion Blvd W | (270) 685-5360 |
| 5 | Elite Risk Advisors | 111 W 3rd St Ste 2 | (270) 225-4445 |
| 6 | EM Ford Insurance & Financial Planning | 600 Frederica St | (270) 926-2806 |
| 7 | Kentucky Farm Bureau Insurance | 2645 Frederica St | (270) 926-9600 |
| 8 | WD Insurance | 2410 W Parrish Ave | (270) 240-2268 |
| 9 | Bennett Insurance Agency | 801 Old Hartford Rd | (270) 228-2323 |
| 10 | Nationwide Insurance: Aubrey M Beatty | 922 Triplett St Ste 1 | (270) 684-1006 |
The Hayden Agency: Allstate Insurance serves the Owensboro, Kentucky, area and operates as a local supplemental insurance agent. It provides coverage options that assist individuals with expenses often not fully covered by primary health plans, such as deductibles and copayments. Policyholders in the region can access plans for accident-related costs and critical illness treatment. The agency helps clients secure these supplemental benefits, including hospital indemnity and specified disease policies.
The T.H.E Insurance Group in Owensboro, KY offers supplemental insurance coverage to help individuals manage out-of-pocket medical costs. The agency assists clients in selecting policies that complement existing health plans. They provide guidance on plan options and support during the enrollment process. Ongoing service includes reviewing coverage needs as circumstances change. The office arranges convenient appointments for policy questions or claims assistance. The agency serves residents in single-family homes, apartments, retail locations, and restaurants throughout the local area.
Elevate Insurance Agency Inc serves the Owensboro, Kentucky area and its surrounding communities, handling supplemental insurance for individuals and families. It helps clients bridge gaps in primary health coverage by offering policies for specific needs such as accident recovery or critical illness. Each client first receives a personalized review of their existing coverage to identify potential shortfalls. The agency then presents a few tailored options, explaining policy terms in straightforward language before allowing the client to make an informed choice.
Owensboro Insurance Agency serves homeowners and local property managers who need supplemental coverage beyond standard policies. It assists families and landlords in protecting assets against gaps in primary insurance, focusing on tailored solutions for specific property needs. The agency understands regional risks, helping clients navigate policies covering unexpected damages or liability. Located in Owensboro, Kentucky, it also extends its supplemental insurance services to clients in nearby Daviess County communities such as Utica.
Elite Risk Advisors in Owensboro, Kentucky offers supplemental insurance agents who help clients understand the difference between one-time plans and recurring coverage options that may require periodic renewals. These plans can fill gaps left by primary health insurance, such as accident, critical illness, or hospital indemnity policies. Their service runs on both scheduled and as-needed appointments, allowing clients to review their needs and adjust their coverage throughout the year.
As the seasons shift in Owensboro, many residents begin to review gaps in their health coverage for unexpected medical costs. EM Ford Insurance & Financial Planning serves the local community as a supplemental insurance agent, offering plans that help cover hospital stays, accidents, or critical illness expenses not included in primary policies. This business works with individuals to identify suitable additional coverage for their personal situation. The process ordinarily begins with a complimentary initial-assessment step where current policies are discussed.
Kentucky Farm Bureau Insurance in Owensboro, Kentucky offers supplemental insurance policies that cover gaps left by primary health plans. It provides Medicare supplement plans designed to handle out-of-pocket expenses and critical illness coverage for unexpected medical events. The agency also works with local residents to explain how supplemental plans integrate with existing benefits. It particularly assists families during open enrollment periods when health needs change, offering guidance on adjusting coverage to match new medical requirements or seasonal transitions in employment.
WD Insurance offers supplemental insurance solutions in the Owensboro, Kentucky area. The company provides additional coverage that works alongside primary health plans to help clients manage out-of-pocket expenses. These supplementary policies can assist with costs from accidents, critical illnesses, or hospital stays. Supplemental insurance agents in this region often focus on closing gaps not covered by standard medical insurance. The agency can serve a variety of commercial sectors, including professional offices, industrial warehouses, and local food service establishments.
Bennett Insurance Agency in Owensboro, KY helps residents of the area secure supplemental insurance for gaps left by standard health or Medicare plans. Commercial policies are also offered to local businesses needing tailored coverage beyond group benefits. Service extends throughout Owensboro and surrounding Daviess County communities. The agency reviews each client's existing plan before recommending options. After an initial enrollment, agents remain available for follow-up assistance or to adjust coverage during regularly scheduled service visits.
Nationwide Insurance: Aubrey M Beatty in Owensboro, KY, is known for providing supplemental insurance policies that help cover expenses left by major medical plans. Its services include accident, critical illness, and hospital indemnity coverage to Kentucky residents. As a local agent, Aubrey M Beatty also offers whole life and term insurance options for long-term financial planning. An added specialty service is offering Medicare Supplement plans for those enrolled in Medicare.
What Does a a Supplemental Insurance Agent in Owensboro Cost?
Supplemental insurance agent services in Owensboro are typically free to consumers because agents earn commissions from insurance carriers. Medigap plan premiums in Kentucky vary by plan type, age, and location, ranging from roughly $100 to $300 per month for a 65-year-old. Costs can be higher for those who enroll outside the open enrollment period due to health rating. This is general information, not insurance advice.
About supplemental insurance agents in Owensboro
Supplemental insurance agents in Owensboro, Kentucky help residents find Medigap and other health coverage plans to fill gaps in Medicare. Kentucky law requires Medigap policies to be guaranteed renewable, meaning the insurer cannot cancel your coverage as long as you pay premiums. Local agents can explain how state-specific rules affect plan options and enrollment periods.
Frequently Asked Questions
What is a supplemental insurance agent in Owensboro?
A supplemental insurance agent in Owensboro helps you compare and enroll in Medigap plans, Medicare Advantage plans, or other gap coverage. These agents are licensed in Kentucky and must follow state regulations for policy sales and disclosures.
When can I enroll in a Medigap plan in Kentucky?
You have a six-month Medigap open enrollment period starting the month you turn 65 and enroll in Medicare Part B. During this time, insurers cannot deny coverage or charge more due to health conditions. After this window, you may face medical underwriting.
Are there Kentucky-specific rules for supplemental insurance?
Yes, Kentucky requires Medigap policies to be standardized as Plans A through N. The state also mandates a 30-day free look period for new policies, allowing you to cancel for a full refund if you change your mind.
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