Medicare Insurance Plans

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Understanding Your Medicare Options

Choosing Medicare coverage doesn’t have to be overwhelming. At Covington Agency, we help you compare Medicare plans in Crestwood KY and across Oldham County so you can find the right fit for your doctors, prescriptions, and budget.

There are three main ways to get Medicare coverage:

  • Medicare Advantage plans (Part C): All-in-one plans that often include drug coverage and extra benefits.

  • Medicare Supplement plans (Medigap): Add-on coverage for out-of-pocket costs under Original Medicare.

  • Prescription Drug Plans (Part D): Standalone drug coverage if you have Original Medicare without Advantage.
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Medicare Advantage Plans

All-in-one coverage that often includes prescription drugs and extra benefits like dental and vision. Advantage plans usually have lower monthly premiums but require you to use a provider network.

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Medicare Supplement (Medigap)

Helps pay out-of-pocket costs not covered by Original Medicare, like copayments and deductibles. Medigap offers more flexibility in provider choice but typically has higher premiums.

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Prescription Drug Plans (Part D)

Standalone drug coverage designed to pair with Original Medicare or Medigap. Plans vary based on prescriptions and preferred pharmacies, and our agents can help you compare options.

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Local Guidance You Can Trust

1
Licensed & Certified

Our agents are AHIP-certified and Medicare-certified to provide accurate, compliant advice.

2
Most Carriers

We work with top carriers, giving you unbiased plan comparisons.

3
Local Support

We live in Crestwood and serve Oldham County, Louisville, and surrounding areas with in-person consultations.

Frequently Asked Questions – Medicare

  • What Medicare plans are available in Kentucky and Oldham County?

    There are dozens of Medicare Advantage plans, multiple Medigap options, and a wide variety of Part D plans available. Covington Agency compares all the choices so you can find the one that fits you best.

  • Do I need a Medicare Supplement or a Medicare Advantage plan?

    It depends on your budget, provider preferences, and travel habits. Medigap may be better for those who want nationwide flexibility, while Advantage works well for those comfortable with networks. We help you compare both.

  • How does Medicare enrollment work when I turn 65?

    You’ll sign up for Medicare Part A and B through Social Security. After that, Covington Agency can help you choose additional coverage such as Advantage, Medigap, or Part D.

  • Can Covington Agency help me if I’m already on Medicare?

    Yes. We provide free annual policy reviews during the Annual Enrollment Period and year-round support to make sure your plan continues to meet your needs.

Get Help With Medicare Today

Whether you’re new to Medicare, turning 65 soon, or reviewing your current coverage, Covington Agency is here to guide you. Our team of local Medicare agents in Crestwood and Oldham County offers free consultations, both virtual and in-person.