Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Lexington

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lexington Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5297

Reviewed

3179

Curated

3

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2443 Sir Barton Way, Lexington, KY 40509
  • Individual Plans

Why choose this provider?

Founded in 2011, AssuredPartners is an insurance agency that has served the insurance needs of families and businesses in Lexington. The professionals at this firm help clients determine the amount of coverage for their unique needs. They carry life insurance plans like term life, return of premium term, whole life, universal life, and key man insurance. AssuredPartners was founded from the partnership of leading independent property, casualty, and employee benefits brokerage firms. It now has offices in 38 states and two countries.

License Verified:

License: 16357598

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.0 / 5 (20)
Facebook
3.2 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7321 New Lagrange Road, Lexington, KY 40222
  • Life Insurance

Why choose this provider?

Cornerstone Insurance Agency, LLC, is a health insurance firm that serves clients in the Lexington area. Headed by David Phillips and John Cullinane, who are both insurance agents, its major medical insurance covers doctor consultations, hospital expenses, and emergency needs. This healthcare plan is offered to individuals, families, and those who do not have health benefits from their employer. The company also crafts other customized insurance products, including auto, commercial, home, life, and Medicare plans.

License Verified:

License: 949096

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10340 Bluegrass Parkway, Lexington, KY 40299
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

Coleman & Associates Insurance Group is an independent insurance agency that provides insurance services to residents and businesses in Lexington. Its partnership with multiple carriers allows it to offer a variety of insurance options for individuals, families, and business owners. It carries health insurance policies, such as Medicare Supplement insurance, Medicare Advantage plans, Medicare prescription drug coverage (Part D), and long-term care insurance. Additionally, the professionals at the agency help businesses with risk management and loss prevention.

License Verified:

License: 702669

Kentucky Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Are still protected if your health insurance company goes out of business in Lexington?

    As a resident of Lexington, you can still get health insurance protection even if your local insurance company goes out of business. If you are an individual owner of a life, accident, or health insurance policy, including individual certificate owners under group policies, the Kentucky Life & Health Insurance Guaranty Association will continue your coverage as long as you make your premium payments. Note that the obligation to continue health policies and cancelable individual health policies is limited by KLHIGA as prescribed in the Act.

  • What are some of the benefits employers in Lexington are required to provide in their health insurance policies?

    Some of the benefits employers in Lexington are required to provide in their health insurance policies are home healthcare and hospice services, diabetes services, colorectal cancer screenings, autism spectrum disorders, and hearing aids and related services. Other state-required benefits include emergency medical conditions and emergency department services, reconstructive surgery, and minimum inpatient post-delivery care for mothers and their newborn children.

  • What medical services are required to be covered in health insurance plans in Lexington?

    In Lexington, health insurance plans are required to cover particular medical services, according to Kentucky's health insurance laws. These services include diabetes care, mammograms, hearing aids for children, and medical care for pregnant women. In Kentucky, the standard plan options include Fee-For-Service or indemnity plans, Health Maintenance Organizations, and Point-of-Service plans.

  • Who is eligible for the Kentucky Medical Program in Lexington?

    As a resident of Lexington, you are eligible for Kentucky Medicaid if you meet certain conditions such as being a resident of the state of Kentucky, a U.S. national or citizen, a permanent resident, or a legal alien. You should also be in need of healthcare insurance and you are categorized as a low or very low-income resident.

  • What medical and health insurance programs are available to low-income residents in Lexington?

    Low-income residents in Lexington have access to different healthcare and insurance coverage programs, which include Kentucky Medicare, Medicaid, Kentucky Children’s Health Insurance Program, and Kentucky Women’s Cancer Screening Program. Other programs include the Kentucky Integrated Health Insurance Premium Payment Program, Qualified Health Plan with or without premium payment assistance, and Child Care Assistance Program.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

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