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Health Insurance

The United States health system is one of the most complex and expensive systems in the world. Your choice in health insurance can have lasting financial impacts. With all the information and misinformation circulating around; it's no wonder people are frustrated and confused. We are here to help! 

How We Can Help

Medicare

Are you Medicare eligible?  You have many options - Medicare Supplement Plans (Medigap Plans), Medicare Advantage Plans and Medicare Prescription Drug Plans.  You are likely bombarded by telemarketers, commercials, mail and LOTS of strong opinions.  Who can you trust?  Do they have your best interest in mind? Do they understand the pros and cons of each option?  Make sure you understand your options.  Give us a call to talk about your situation and find out what is best for YOU.  


We have agents in Bedford and Loogootee who will review your current situation and can educate you about your options. We offer plans from a variety of carriers including United Healthcare, Humana, Anthem, Aetna, Mutual of Omaha and more.  Click on the office nearest you for a variety of ways to reach us.  We are here to help!   



Bedford                     Loogootee

 MEDICARE NOTICE: We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.  


 Kerns Insurance is not affiliated with or endorsed by the Government or Federal Medicare Program 

Individual Health Insurance (ACA/Obamacare)

Do you need health insurance for you or your family? Wanting to retire early? If you do not have access to employer sponsored health insurance (through you or your spouse) and do not qualify for government programs such as Medicaid, CHIP or Medicare, this may be a great option for you.  Many people/families qualify for subsidies to decrease the monthly premium cost.  


We highly recommend you talk with Kasey Knepp or Alyssa Kerns to make sure you understand all your options and accurately calculate your income (or your accountant may have some bad news at tax time).  


Alyssa Kerns' Marketplace link:

https://www.healthsherpa.com/?_agent_id=alyssa-kerns


Kasey Knepp's Marketplace link:

 https://www.healthsherpa.com/?_agent_id=kasey-knepp-ax-jsg 

Short Term Insurance

Did you change jobs and have a couple months between employer sponsored health insurance? We have short term plans available.

We will work to get you the coverage you need at the best price we can find.  Let's be real, it isn't cheap, but we will use every resource we have to find the best options for your situation.

Employer Group Health

Looking for coverage for your employees?  From groups of 2 to over 100, we have you covered. Each group has unique needs and concerns. We are here to listen to what is important to YOU and tailor a plan to meet your needs. 

Looking for something besides major medical?

VISION, DENTAL & MORE

Are you looking for insurance besides major medical?  We offer a variety of dental, vision, accident, cancer plans and more.  The best part is there are very few restrictions on when you sign up, so for most products, you can sign up any time during the year!

Find out more about these types of insurance

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Medicare Annual Election Period

The Medicare Annual Election Period is from 10/15/26 to 12/7/26. We are here to help review your options for your Medicare Supplement, Medicare Advantage or Prescription Drug plan.  Reach out to us in Loogootee (812) 295-9737 or Bedford (812) 275-5899 for help.


MEDICARE NOTICE: We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.  


 Kerns Insurance is not affiliated with or endorsed by the Government or Federal Medicare Program.