Helping you navigate your healthcare journey
Covington Agency is a female-owned, veteran-led and family run independent insurance agency helping families and seniors throughout Oldham County and Greater Kentuckiana. With more than 20 years of Medicare and insurance expertise, we provide personal, face-to-face guidance for Medicare, health, life, dental, vision, and more.

Welcome to Covington Agency
As a veteran-owned and family-operated agency, we believe in building lifelong relationships with our clients. We proudly serve Crestwood, Oldham County, and Louisville with personalized Medicare, health, and life insurance solutions.
Insurance tailored to your life
Whether you need Medicare Advantage, an individual health plan, or long-term care coverage, our team is here to help you compare options and choose the plan that best fits your needs.
Helping you find clarity in Medicare, health, and more
Our Insurance Services

Medicare Insurance
All-in-one guidance for Medicare Advantage, Supplement, and Prescription Drug Plans.

Health Insurance
Affordable individual and short-term health coverage options for under 65.

Life Insurance
Protect your family with term, whole life, and final expense coverage.

Dental & Vision
Keep your care complete with dental and vision insurance options.
Carriers We Work With



20+
Years of Experience
Decades of Medicare expertise and community service.
1000+
Local Clients Helped
Personalized guidance for families in Oldham County and beyond.
100%
Certified Agents
AHIP-certified, Medicare-certified, and trusted in Kentucky.
What Our Clients & Agents Say
Why Choose Covington Agency
We are not a call center. We live and work in the communities we serve. With 20+ years in insurance industry leadership, our founders Tim & Dana bring leadership and integrity to every consultation. You’ll get honest recommendations from people who treat you like family.
Your Questions Answered
What Medicare plans are available in Crestwood?
Residents in Crestwood and Oldham County have access to all major types of Medicare coverage, including Medicare Advantage (Part C), Medicare Supplement (Medigap), and Prescription Drug Plans (Part D). At Covington Agency, we work with multiple carriers to give you side-by-side comparisons so you can see which plan best fits your doctors, prescriptions, and budget.
Can I meet with an agent in person?
Yes. Unlike national call centers, we offer face-to-face consultations right here in Crestwood, KY, or in nearby communities like La Grange and Louisville. We also provide virtual appointments if that’s more convenient. You’ll always meet with a licensed, AHIP-certified agent who understands your local healthcare options.
Do you help compare Prescription Drug Plans?
Absolutely. Prescription Drug coverage (Medicare Part D) can vary widely depending on your prescriptions and pharmacy preferences. Our agents will input your medications, preferred pharmacies, and zip code into our comparison tools so you can see which Part D plan provides the most value in your area.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage plans (Part C) are all-in-one alternatives to Original Medicare that often include additional benefits like dental, vision, and prescription drug coverage. Medicare Supplement (Medigap) plans work alongside Original Medicare to help cover out-of-pocket costs like copayments and deductibles. Which option is best depends on your healthcare needs, travel habits, and budget — and we’ll walk you through both choices to help you decide.
Ready to Find the Right Plan?
Start your Medicare or insurance search today with our online tools or connect directly with a local agent. Virtual and in-person consultations available.