Covington Agency of Kentucky

11/03/2026

November is National Long-Term Care Awareness Month, a good reminder that planning ahead means more than having a retirement account. It also means thinking about how you and your loved ones would be protected if extended care ever became a reality.

The numbers are worth knowing. Seven in 10 Americans turning 65 today will need some form of long-term care. The national median cost of a private nursing home room is now over $129,500 per year; assisted living runs around $74,400 annually; and in-home care averages $80,080 per year.

That's where long-term care insurance can come in. This coverage can help with costs related to:

✅ In-home care
✅ Assisted living
✅ Nursing home care
✅ Adult day care
✅ Memory care

Long-term care can be costly if you don't plan ahead. So, if you have questions or want to explore your options, don't hesitate to reach out to our team. We are happy to have that conversation with you.

10/27/2026

ACA Open Enrollment begins on November 1st, and knowing your key dates and taking a few steps now can make the process much smoother when the time comes. Swipe through for a practical overview of what to do before enrollment opens.

Have questions about your health coverage options? Give us a call. We are here to help you navigate it.

10/20/2026

If you or someone you know has a preexisting health condition, you may have wondered whether life insurance is still an option. The good news is that it often is. You just need to take the right approach. Swipe to learn more.

If you'd like to explore your life insurance options or have any questions, feel free to reach out. We are happy to help.

10/16/2026

10/15/2026

As of 2026, nearly 35 million eligible Medicare beneficiaries are enrolled in a Medicare Advantage plan, underscoring that Medicare Advantage remains a popular choice among beneficiaries. So, to help you fully understand your options, we wanted to share a breakdown of key features of Medicare Advantage. Swipe for more information.

If you have questions about Medicare Advantage, please don't hesitate to reach out to our team. We are here to help.

10/01/2026

October is Breast Cancer Awareness Month, making it the perfect time to review a few key facts and statistics about early screening. Breast cancer remains one of the most common cancers in the U.S., and early detection through routine screenings can make a meaningful difference.

Swipe for a few important facts and statistics to keep in mind.

As a reminder, many health insurance plans cover preventive screenings at little or no cost, making it easier to take an active role in your health. And, if you're not sure whether your plan covers preventive breast cancer screenings, our team is happy to help. Please do not hesitate to reach out with any questions.

09/30/2026

Open Enrollment for ACA Marketplace plans starts November 1, and now is the perfect time to start preparing. Whether you want to keep your current coverage, explore new options, or get health insurance for the first time, a little planning can make enrollment much smoother.

We're sharing key dates and simple steps to help you feel ready for the season ahead. Our team at Covington Agency is here to make navigating ACA health insurance in Kentucky easier, especially for families and individuals across Crestwood, Oldham County, and the greater Louisville area.

If you'd like help reviewing your options or want to compare plans, reach out to us anytime. We're here to guide you through every step.

09/17/2026

Life moves fast, and big changes can affect your health insurance coverage more than you might realize. Our team at Covington Agency is here to help you understand whether a recent event qualifies you for a Special Enrollment Period.

A Special Enrollment Period gives you a 60‑day window to update or enroll in coverage outside of Open Enrollment. If any of these situations have happened in your household recently, it may be worth a conversation:

• Getting married, divorced, or welcoming a new child
• Moving to a new ZIP code, county, or state
• Turning 26 or losing employer coverage
• Changes in income or household size
• Turning 65 and becoming eligible for Medicare
• Becoming a U.S. citizen

If any of these sound familiar, we’d be glad to walk you through your options. Our team is right here in Crestwood and ready to help you make the most of a Special Enrollment Period. Reach out anytime to get started.

09/15/2026

Navigating health insurance for the first time can feel overwhelming, especially with so many acronyms, options, and plan types to sort through. The good news is that once you understand the core differences, finding a plan that fits your life becomes much simpler.

We put together a quick, easy breakdown of the most common individual health insurance plans so you can feel more confident exploring your options.

If you're thinking about getting started with ACA health insurance in Kentucky or want help comparing plans, our team at Covington Agency is here to guide you every step of the way. Reach out anytime—we’re always here to help you make the most of your coverage.

09/11/2026

As we reflect on the events of September 11, we’re reminded of the courage, unity, and resilience that carried our nation through an unthinkable moment.

At Covington Agency, we pause on Patriot Day to honor the lives lost and to recognize the first responders, service members, volunteers, and everyday people who stepped forward with extraordinary strength.

We remember their sacrifice, and we carry their legacy with us. We will never forget.