Starts Soon
Medicare Annual Enrollment
October 15 – December 7, 2026
Review your Medicare Advantage or prescription drug coverage, understand changes for 2027, and explore available options.
Speak With a Licensed Kentucky Agent
Mon–Fri • 9:00 AM–5:00 PM ET
Call (606) 249-6880Trusted Local Guidance
Honest Insurance Guidance for Every Stage of Life
From first Medicare questions to life insurance, Kynect marketplace decisions, and supplemental planning, Summit Benefits Group brings calm, local guidance to Kentucky families — based in Somerset, KY and serving residents statewide.
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A licensed Kentucky advisor will reach out within 1 business day. No cost, no pressure.
2027 Coverage
2027 Open Enrollment: Know Your Dates
Medicare and kynect Marketplace coverage have different enrollment periods. Explore your options and get guidance from Summit Benefits Group.
Starts Soon
kynect Marketplace Open Enrollment
November 1, 2026 – January 15, 2027
Compare Marketplace health insurance options for 2027, including monthly costs, provider networks, and coverage for you or your family.
Medicaid and KCHIP applications are accepted year-round.
Licensed Independent Agency
A licensed independent insurance agency, not a captive sales office.
Independent Plan Guidance
We work with multiple carriers so options stay focused on fit, not quotas.
Kentucky-Focused
Based in Somerset, KY and serving individuals and families statewide.
Support Before & After Enrollment
Questions do not stop at signup. Neither does our help.
Find Your Starting Point
A 4-question starter to point you in the right direction.
Answer a few plain-English questions and we'll suggest where to begin.
Step 1 of 41 / 4
No personal information required.
Which situation sounds most like you right now?
Explore Coverage
Insurance Guidance Across Four Major Coverage Lines
Medicare leads what we do. Life insurance, Kynect, and supplemental benefits round out the picture — so Kentucky families can sort it all out in one place.
Life Insurance
Term, whole life, final expense, and mortgage protection — built around your family.
Explore Life InsuranceWhy Summit
A relationship-first approach to insurance guidance.
We earn trust the same way most local agencies do — one conversation at a time. Every conversation starts with your questions instead of a pitch, and you decide if and when to move forward.
See what we share with our Kentucky community- Independent appointments, not a single company
- We are a licensed independent agency, so we compare options from a range of carriers instead of selling one company’s lineup.
- Plans reviewed against your Kentucky providers
- Carrier networks only matter locally. We look at how an option lines up with the doctors and pharmacies you already use.
- Plain-English explanations
- We translate Medicare, Kynect, and supplemental terminology into the choices that actually affect you.
- Help that continues after enrollment
- Most coverage questions show up after a plan starts. We stay available when those questions arrive — not just at signup.
Local Trust & Accreditation
A community-connected, accountability-focused local business.
Recognized local business relationships that help reinforce trust, accountability, and community connection. These relationships do not replace personalized insurance guidance.
BBB Accredited Business
A commitment to trust, accountability, and ethical business practices.
Member of the London-Laurel County Chamber of Commerce
A locally rooted business connected to the London, KY business community.
How We Help
A Clear, Reassuring Process From First Question to Next Step
1
We Start With You
We begin with your questions and concerns.
2
We Sort What Matters
We organize timing, budget, doctors, and prescriptions.
3
We Walk Through the Options
We explain your choices in a calm, clear way.
4
We Help You Move Forward
We help you take the next step with confidence.
Coverage Expertise
What we help Kentuckians work through most often.
Medicare
For people turning 65, already on Medicare, or leaving employer coverage.
Explore All Medicare OptionsLife Insurance
For protecting the people who depend on you — income years through final expenses.
Explore Life Insurance OptionsAncillary Benefits
For filling the specific gaps your main coverage leaves behind.
Browse Supplemental Options Resources
Helpful reading for smarter coverage decisions.
Explore practical articles on Medicare, life insurance, Kynect, and supplemental coverage.
Medicare 9 min read
Medicare Advantage Plans Leaving Counties in 2027: What Kentucky Seniors Need to Know
National data shows major insurers leaving hundreds of counties for 2027. Here is what that does and does not mean for Kentucky, and how to confirm whether your own plan is changing.
October 10, 2026Read
Medicare 7 min read
2027 Medicare Advantage PPO Changes: Will Your Doctors Still Be Covered?
Major insurers say more 2027 Medicare Advantage plans will use narrower networks. Here is how PPOs and HMOs differ and what to verify before you choose a plan.
October 10, 2026Read
Medicare 6 min read
2027 Medicare Part D Changes: The $2,400 Drug Cost Limit Explained
The Part D out-of-pocket limit rises to $2,400 in 2027, the maximum deductible rises to $700, and 15 more drugs get negotiated prices. Here is what it means for your costs.
October 10, 2026Read
Kentucky Service Areas
Local insurance guidance, no matter where you are in the Commonwealth.
Based in Somerset, KY — with local pages for the communities we serve most often.
If you want clearer direction, this is a good place to start.
One conversation can turn scattered questions into a more confident next step for Medicare, life insurance, Kynect, or supplemental coverage.