Get Clear Answers from Northern Kentucky’s Insurance Experts

As an independent, family-owned agency, Beatrice Insurance Agency represents multiple A+ rated carriers instead of being tied to just one. This means you get the power of choice with unbiased, personalized comparisons across top providers like Humana, Cigna, and UnitedHealthcare. Our team in Union, KY helps you find the best fit for your needs—whether that’s health, life, Medicare, or business insurance—without hidden fees or corporate sales pressure.

We provide a full range of individual and family health insurance plans, including HMO and PPO models, Health Savings Accounts (HSA), short-term medical, life insurance (term, whole, and custom), dental and vision coverage, and disability insurance. If you’re a 1099 contractor or self-employed, we offer specialized plans designed to mirror corporate benefits. Our local experts guide you through every option, ensuring your doctors and hospitals remain in-network.

We specialize in group health, dental, vision, and life coverage for businesses across Union, Florence, Burlington, and beyond. Our consultative approach means we handle ACA compliance, benefit customization, enrollment, and renewals—helping you attract and retain top talent. We also offer payroll integration, Web Benefits Design support, and commercial coverage for property, liability, and workers’ compensation. Our advocacy continues year-round, including expert claim consulting for denied or complex claims.

With over a decade of Medicare expertise, our agency provides comprehensive guidance on Part A, Part B, Medicare Advantage (Part C), Part D prescription coverage, and Medigap plans—including high-value options like Plan F. We conduct detailed drug lookups and network research, helping retirees across Northern Kentucky and Cincinnati avoid costly surprises. Our service always includes plain-language explanations and ongoing support, at no cost to you.

No—our consultation and enrollment services are always provided at no cost to you. As your trusted local insurance advocates, we work on your behalf to compare carriers and plans transparently. You’ll never encounter hidden fees, and our compensation comes directly from the insurance carriers, not from your pocket. This allows you to get professional advice and advocacy with complete peace of mind.

Absolutely. We specialize in helping 1099 contractors and self-employed professionals in Northern Kentucky, Cincinnati, and Indiana find quality, affordable health coverage. By leveraging our relationships with major carriers, we can secure plans that offer many of the same benefits as traditional group insurance—without the high costs or HR headaches. We’ll handle the paperwork, compare your options, and ensure your coverage meets regulatory requirements.

Yes. One of our key differentiators is expert insurance claim consulting. If you face a denied or complex claim, our team steps in as your advocate—reviewing the details, clarifying your policy, and working directly with the carrier to resolve issues. This hands-on support is available for individuals, families, and businesses throughout the year, providing peace of mind long after your policy is in place.