Summit Benefits Group

Summit Benefits Group Independent insurance agency helping individuals and families find the right coverage.

🦷 Ancillary Wednesday: Does Your Health Insurance Include Dental Coverage?Medical coverage and dental coverage are not a...
09/03/2026

🦷 Ancillary Wednesday: Does Your Health Insurance Include Dental Coverage?

Medical coverage and dental coverage are not always the same thing.

Depending on the type of health or Medicare coverage you have, routine dental services may be limited, offered separately, or not included at all.

That can make standalone dental insurance worth considering.

Dental plans may help with costs for services such as:

✅ Routine exams

✅ Cleanings

✅ X-rays

✅ Fillings

✅ Extractions

✅ Crowns and other major dental services

Coverage can vary significantly from one plan to another.

Some plans may include waiting periods, annual benefit maximums, deductibles, provider networks, or different coverage percentages depending on the type of service you receive.

That’s why it’s important to look beyond the monthly premium.

When comparing dental coverage, consider things like:

✅ Whether your dentist is in-network

✅ Preventive care benefits

✅ Coverage for basic and major services

✅ Annual maximum benefits

✅ Waiting periods

✅ Your expected dental needs

Dental insurance is just one of several ancillary products that can help supplement your primary health coverage and provide additional protection for expenses that may otherwise come out of pocket.

At Summit Benefits Group, we can help you compare dental and other ancillary coverage options and understand how they may fit alongside your existing insurance.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about dental insurance or other supplemental coverage? Give us a call and speak with a licensed agent.

🩺 Medicare Supplement Tuesday: Why Does Your Medigap Open Enrollment Period Matter?If you’re considering a Medicare Supp...
09/01/2026

🩺 Medicare Supplement Tuesday: Why Does Your Medigap Open Enrollment Period Matter?

If you’re considering a Medicare Supplement, also called Medigap, when you apply can be just as important as which plan you choose.

For many people, the most important time to purchase a Medicare Supplement policy is during their Medigap Open Enrollment Period.

This is generally a 6-month period that begins the first month you are both:

✅ Age 65 or older

✅ Enrolled in Medicare Part B

During this period, you generally have strong federal protections when applying for a Medicare Supplement policy.

Insurance companies generally cannot:

✅ Deny you a Medigap policy because of your health

✅ Charge you more because of current or past health conditions

✅ Require you to pass medical underwriting to qualify

Why does the timing matter?

After your Medigap Open Enrollment Period ends, you can still apply for Medicare Supplement coverage—but depending on your circumstances, the insurance company may be allowed to use medical underwriting.

That could mean your health history may affect whether your application is approved or the premium you are offered.

There are also certain situations where you may qualify for guaranteed issue rights, allowing you to purchase specific Medigap coverage without medical underwriting.

Understanding these enrollment rules before making changes to your Medicare coverage can help you avoid losing important protections.

At Summit Benefits Group, we can help you understand Medicare Supplement enrollment periods, compare available plans, and determine what options may be available based on your situation.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about Medicare Supplement eligibility or enrollment? Give us a call and speak with a licensed agent.

🏥 Medicare Advantage Monday: What Does “Maximum Out-of-Pocket” Actually Mean?When comparing Medicare Advantage plans, on...
08/31/2026

🏥 Medicare Advantage Monday: What Does “Maximum Out-of-Pocket” Actually Mean?

When comparing Medicare Advantage plans, one number that deserves your attention is the plan’s maximum out-of-pocket limit, often called the MOOP.

This is the most you would generally have to pay during the year for covered Medicare Part A and Part B services before your plan begins paying 100% of the covered costs subject to that limit for the remainder of the year.

Why is this important?

Your monthly premium is only one part of the cost of a Medicare Advantage plan. Depending on how much healthcare you use, copays and coinsurance can also add up throughout the year.

Your costs may include things such as:

✅ Primary care and specialist visits

✅ Hospital stays

✅ Outpatient procedures

✅ Emergency and urgent care

✅ Diagnostic tests and imaging

The maximum out-of-pocket limit helps put a ceiling on certain medical expenses—but not every healthcare expense counts toward that limit.

For example, prescription drug costs under Part D are generally tracked separately from your Medicare Advantage plan’s medical out-of-pocket maximum.

Your plan type can matter, too. Some PPO plans may have different limits for in-network care and combined in- and out-of-network care.

That’s why it’s important to look beyond just the premium when comparing Medicare Advantage plans.

At Summit Benefits Group, we can help you compare plan costs, benefits, provider networks, prescription coverage, and out-of-pocket limits so you can better understand the full picture.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about your Medicare Advantage costs or coverage? Give us a call and speak with a licensed agent.

🛡️ Kynect Friday: Has Your Income Changed? Don’t Forget to Update Your Kynect ApplicationIf you have health coverage thr...
08/28/2026

🛡️ Kynect Friday: Has Your Income Changed? Don’t Forget to Update Your Kynect Application

If you have health coverage through Kynect, changes in your household income can affect the financial assistance you may qualify for.

That’s why it’s important to keep the information on your application up to date throughout the year—not just when it’s time to renew.

You may want to review your Kynect application if you experience a change such as:

✅ Starting a new job

✅ Losing a job or having your hours reduced

✅ Receiving a raise or other increase in income

✅ Becoming self-employed

✅ Adding or losing a household member

✅ Changes to other sources of household income

Why does this matter?

The amount of financial assistance available for Marketplace coverage is generally based on your household information and expected annual income.

If the information on your application no longer reflects your current situation, the assistance applied to your monthly premium may also need to change.

Keeping your application current can help make sure your eligibility is being determined using the most accurate information available.

At Summit Benefits Group, we can help Kentucky residents understand their Kynect coverage, update their application, and review available health insurance options.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about a change in income or your Kynect health coverage? Give us a call and speak with a licensed agent.

⭐ Medicare Tip Thursday: Don’t Ignore Your Annual Notice of ChangeIf you have a Medicare Advantage or Medicare Part D pr...
08/27/2026

⭐ Medicare Tip Thursday: Don’t Ignore Your Annual Notice of Change

If you have a Medicare Advantage or Medicare Part D prescription drug plan, you may receive an important document from your insurance company called the Annual Notice of Change, or ANOC.

This notice explains what will be changing with your current plan for the upcoming year.

Even if you’ve been happy with your coverage, it’s important to review these changes carefully.

Your plan may change things such as:

✅ Monthly premiums

✅ Deductibles, copays, or coinsurance

✅ Prescription drug coverage and formularies

✅ Pharmacy networks

✅ Doctor or hospital networks

✅ Dental, vision, hearing, or other extra benefits

✅ Maximum out-of-pocket costs

A plan that worked well for you this year may not necessarily be the best fit next year.

Your medications could move to a different tier. A copayment could increase. A provider could leave the network. Extra benefits could also be added, reduced, or changed.

That’s why reviewing your coverage each year is so important.

At Summit Benefits Group, we can help you understand your plan changes, compare your options, and make sure your Medicare coverage continues to fit your healthcare needs and budget.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about changes to your Medicare coverage? Give us a call and speak with a licensed agent.

🏥 Hospital Indemnity Wednesday: What Happens When a Hospital Stay Comes With Extra Costs?Even with Medicare or other hea...
08/26/2026

🏥 Hospital Indemnity Wednesday: What Happens When a Hospital Stay Comes With Extra Costs?

Even with Medicare or other health insurance, an unexpected hospital stay can still create out-of-pocket expenses.

Depending on your coverage, you may be responsible for deductibles, copayments, coinsurance, or other costs related to your care.

And while you’re dealing with a hospital stay, your normal household expenses don’t stop.

That’s where Hospital Indemnity insurance may help.

Hospital Indemnity plans are designed to provide additional cash benefits when certain covered medical events occur.

Depending on the policy, benefits may be available for things such as:

✅ Hospital admission

✅ Inpatient hospital stays

✅ Intensive care

✅ Certain outpatient or emergency services

✅ Additional covered hospital-related services

Unlike your primary health insurance, Hospital Indemnity coverage is designed to supplement your existing coverage rather than replace it.

Benefits are generally paid directly to you, which can give you more flexibility in deciding how that money is used.

That could mean helping with medical expenses or simply helping manage everyday costs while you recover.

Hospital Indemnity coverage isn’t necessary for everyone, but for some people it can provide an additional layer of financial protection when an unexpected hospital stay occurs.

At Summit Benefits Group, we can help you review your current coverage and determine whether Hospital Indemnity insurance may make sense for your needs.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about Hospital Indemnity coverage? Give us a call and speak with a licensed agent.

🩺 Medicare Supplement Tuesday: Plan G vs. Plan N — What’s the Difference?If you’re considering a Medicare Supplement pla...
08/18/2026

🩺 Medicare Supplement Tuesday: Plan G vs. Plan N — What’s the Difference?

If you’re considering a Medicare Supplement plan, two of the most common options you may hear about are Plan G and Plan N.

Both are designed to work alongside Original Medicare and help reduce certain out-of-pocket costs—but they are not identical.

Plan G generally offers more comprehensive cost-sharing coverage. After the Medicare Part B deductible is met, it typically covers most remaining Medicare-approved cost sharing that the plan is designed to cover.

Plan N can also provide strong protection, but you may still have certain copayments for some office and emergency room visits. Plan N also does not cover Medicare Part B excess charges.

A few things to consider when comparing the two:

✅ Monthly premium
✅ Expected doctor and specialist visits
✅ Potential copayments
✅ Part B excess charges
✅ How much cost predictability you prefer

Neither option is automatically better for everyone.

The right fit depends on your healthcare needs, budget, and how you prefer to balance your monthly premium against potential out-of-pocket costs.

At Summit Benefits Group, we can help you compare Medicare Supplement options and understand how the differences may affect you.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about Plan G, Plan N, or Medicare Supplement coverage? Give us a call and speak with a licensed agent.

🩺 Medicare Advantage Monday: Do You Know What Your Plan Really Covers?Medicare Advantage plans can include more than hos...
08/17/2026

🩺 Medicare Advantage Monday: Do You Know What Your Plan Really Covers?

Medicare Advantage plans can include more than hospital and medical coverage, but benefits can vary significantly depending on the plan and where you live.

Depending on the plan, you may have access to benefits such as:

✅ Dental, vision, and hearing coverage
✅ Prescription drug coverage
✅ Over-the-counter allowances
✅ Fitness and wellness benefits
✅ Transportation benefits
✅ An annual maximum out-of-pocket limit for covered medical services

But extra benefits are only part of the picture.

Your doctors, prescriptions, preferred pharmacies, expected healthcare needs, and budget should all be considered when deciding whether a Medicare Advantage plan is right for you.

At Summit Benefits Group, we help Kentucky Medicare beneficiaries review their options, understand their benefits, and make informed decisions about their coverage.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about Medicare Advantage? Give us a call and speak with a licensed agent.

🏥 Hospital Indemnity Wednesday: A Hospital Stay Can Affect More Than Your HealthEven with Medicare or other health cover...
08/12/2026

🏥 Hospital Indemnity Wednesday: A Hospital Stay Can Affect More Than Your Health

Even with Medicare or other health coverage, a hospital stay can still leave you with out-of-pocket expenses.

That’s where Hospital Indemnity insurance may help.

Depending on the policy, coverage may provide cash benefits for things like:

✅ Hospital admission
✅ Daily hospital confinement
✅ Intensive care stays
✅ Certain emergency or outpatient services

Those benefits are generally paid directly to you, giving you flexibility to use the money where it’s needed most.

That could mean helping with:

• Medical bills
• Transportation
• Groceries
• Utilities
• Other everyday expenses during recovery

Hospital Indemnity coverage is not a replacement for Medicare or health insurance. It is designed to provide an additional layer of financial protection when a covered hospital stay happens.

At Summit Benefits Group, we can help you understand how Hospital Indemnity coverage works and whether it may make sense alongside your current Medicare or health plan.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions? Give us a call and speak with a licensed agent.

🩺 Medicare Supplement Tuesday: What Does a Medicare Supplement Plan Actually Help Pay For?Original Medicare provides imp...
08/11/2026

🩺 Medicare Supplement Tuesday: What Does a Medicare Supplement Plan Actually Help Pay For?

Original Medicare provides important coverage—but it does not pay 100% of your healthcare costs.

That means you may still be responsible for certain deductibles, coinsurance, and other out-of-pocket expenses.

A Medicare Supplement plan, also known as Medigap, is designed to work alongside Original Medicare and help cover some of those remaining costs.

Depending on the plan, Medicare Supplement coverage may help with:

✅ Part A coinsurance and hospital costs
✅ Part B coinsurance or copayments
✅ Certain deductibles
✅ Skilled nursing facility coinsurance
✅ Some foreign travel emergency coverage
✅ Other Medicare-approved out-of-pocket expenses

One of the biggest reasons people consider Medicare Supplement coverage is predictability.

Instead of relying on a Medicare Advantage network or paying different copays for different services, a Medicare Supplement plan may help reduce certain out-of-pocket costs while allowing you to continue using Original Medicare.

It’s also important to remember that Medicare Supplement plans do not include prescription drug coverage, so a separate Part D plan may be needed.

At Summit Benefits Group, we can help you compare your Medicare options and understand whether a Medicare Supplement plan may fit your healthcare needs and budget.

📍 Servicing All Areas of Kentucky

📞 (606) 249-6880
🌐 summitgroupky.com

Have questions about Medicare Supplement coverage? Give us a call and speak with a licensed agent.

Address

119 N MAPLE Street BOX 112
London, KY
42503

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16033268966

Website

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