Humana Authorized Agent | Medicare Plans in Lexington, KY
🏢 Agency Overview: Humana MarketPoint® in Lexington
The Humana Authorized Agent listing represents Humana MarketPoint®, a captive agency dedicated to connecting individuals with Humana’s comprehensive suite of health and wellness products. As a captive agency, these agents specialize exclusively in Humana’s portfolio, ensuring a deep, expert-level understanding of every plan detail, network restriction, and benefit enhancement available through the carrier.
In This Listing
Based in Lexington, KY, this agency functions as a localized hub for Medicare beneficiaries and those seeking supplemental health coverage. The mission is to provide personalized, local support to help residents navigate the often-complex landscape of Medicare and private health insurance. The team includes dedicated professionals such as Al Spencer, Ella Towns, Terri Barach, and Cynthia Smith, who work to ensure that every client receives guidance tailored to their specific healthcare needs and financial goals.
🩺 What Insurance Products Are Available Through Humana?
Humana Authorized Agents provide access to a wide array of health-focused insurance products. Whether you are transitioning to Medicare for the first time or looking to enhance your current employer-sponsored coverage, the agency offers several specialized products:
- Medicare Advantage (Part C): These plans often combine Part A, Part B, and sometimes Part D coverage into one plan, frequently including extra benefits like dental, vision, and fitness programs.
- Medicare Prescription Drug Plans (Part D): Standalone coverage designed to help lower the cost of prescription medications.
- Medicare Supplement Plans (Medigap): Policies that help pay for some of the healthcare costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.
- Individual Dental and Vision Plans: Standalone insurance options to cover routine exams, cleanings, and corrective lenses.
- Group Benefits & Group Medicare: Specialized health solutions for employers and retired employee groups.
🤝 Which Carriers Does This Agency Represent?
As a Captive / Authorized Agency, this office writes policies exclusively for Humana. This specialization allows the agents to serve as subject matter experts on Humana’s specific provider networks and formulary lists. In addition to standard health insurance, the agency also manages Humana Military support, which facilitates the TRICARE East Program for active duty and retired military members and their families.
While independent brokers might represent multiple companies, a captive Humana agent focuses entirely on maximizing the value of a Humana policy for the member. They are the primary point of contact for understanding how Humana’s internal programs—such as SilverSneakers or Go365—can be integrated into a member’s daily life.
💰 How Can You Save on Humana Insurance Plans?
Cost transparency is a vital part of choosing a health plan. While specific premiums are subject to change based on location and eligibility, the agency currently highlights several cost-effective structures for qualified members. Below is a summary of typical costs for specific group plans:
| Expense Category | Estimated Cost/Copay |
|---|---|
| Monthly Premium | $0 (For specific Group MAPD plans) |
| Annual Deductible | $0 (On select plans) |
| PCP Office Visit | $0 copay |
| Specialist Office Visit | $25 copay |
Savings are often found by bundling dental and vision coverage with a Medicare Advantage plan or by utilizing the TRICARE East benefits for military-affiliated families. To find the most accurate and current rates for your specific zip code, it is recommended to contact an agent directly at (312) 726-6565.
📍 Where Does This Humana Authorized Agent Provide Service?
Although the administrative mailing address is located in Lexington, KY (P.O. Box 14309, 40512), this agency has a massive geographic reach. Humana MarketPoint® agents are licensed to provide Medicare and health insurance consultations across 33 US states. This broad licensing allows them to assist clients who may spend part of the year in different regions or those who are relocating.
The licensed service areas include: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin.
⭐ Why Choose a Humana MarketPoint® Authorized Agent?
Choosing an authorized agent means working with a professional who is deeply embedded in the Humana ecosystem. These agents are Licensed Medicare Agents who undergo rigorous annual certifications to remain compliant with CMS (Centers for Medicare & Medicaid Services) regulations. This ensures that the advice you receive is not only expert but also adheres to the highest ethical standards in the insurance industry.
Key differentiators for this agency include:
- Direct Carrier Access: Faster resolution for claims inquiries and authorization issues.
- Military Expertise: Specialized knowledge in TRICARE East Program management through Humana Military.
- Online Convenience: Online quotes are available for those who prefer to research at their own pace before speaking with a professional.
- Local Presence: Despite the wide licensing, the agency maintains a local focus to help members find doctors and pharmacies within their specific neighborhood networks.
❓ Frequently Asked Questions
Does this agency offer SR-22 filings?
No, this agency specializes in health and Medicare insurance. They do not provide auto insurance services or SR-22 filings. For those needs, you would need to contact a local property and casualty insurance agent.
What do I need to enroll in a Medicare Advantage plan?
To enroll in a Medicare Advantage plan through a Humana agent, you must be currently enrolled in both Medicare Part A and Part B. You must also live in the plan’s service area. Agents can help you verify your enrollment status during your consultation.
Can I authorize someone else to speak to my agent?
Yes. Humana requires a specific “Authorization to Share Personal Information” form to be completed before an agent can discuss your private health information with a third party, such as a spouse or adult child.
What are the office hours for this Lexington agency?
The agency is available to assist you from 8:00 am to 8:00 pm, seven days a week. This extended availability is designed to accommodate the needs of seniors and working professionals alike. You can reach them at 800-457-4708.
🔗 Verified Sources
For further verification of licensing and plan availability, you may visit these official resources:
Editorial review: March 7, 2026 — Sources: medicareagent.humana.com, humana.com, finder.humana.com, provider.humana.com, humanamilitary.com. If you notice any inaccurate data, please report it.
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