Open Enrollment Explained (Health Insurance)

What does open enrollment mean? Does it have anything to do with Deer season?

Open enrollment is a period of time each year that you can or have to sign up for new health insurance benefits (if you don’t already have them) or change existing benefits. It has a lot to do with how old you are.

If you are over the age of 65, your open enrollment for 2015 is October 15, 2014 to December 7, 2014. If you are enrolled in Medicare and a Medicare advantage plan (Part C) or have a prescription-drug plan (Part D) you can change your benefits or change carriers during this time.

If you have a Medicare supplement, you are not affected by this open-enrollment period. Many, however, that are on a Medicare Supplement carry a separate prescription-drug plan (Part D). A Prescription Drug Plan (Part D)  can be changed during this open-enrollment period. Medicare Supplements can be changed anytime if meet health underwriting qualifications.

If you are under the age of 65 and not on Medicare, open enrollment for Kentucky kynect or runs from November 15, 2014 to February 15, 2015. If you do not have healthcare insurance you can sign up for coverage between those dates.  There are fines for not having health insurance.

If you have any questions about these “open enrollment” dates or Health Insurance please contact us!

OK, now for what you really want. When is the open season for DEER in Henderson KY? See this document from Kentucky Department of Fish & Wildlife Resources.

Health Insurance Common Questions

cartoon doctorAt Vaughn Insurance, our individual health insurance specialists have many years working in the individual health insurance marketplace. They are particularly skilled at simplifying what can be a very confusing product, especially during these times of uncertainty. Contact us to discuss your needs and review the options available to you. You have more choices than you might think in Kentucky!

Here are few of the ways we can help:

Do you need help understanding all the changes that are taking place in the health insurance marketplace because of the Affordable Care Act/Kentucky kynect/Obama-Care?

The experts at Vaughn Insurance have assisted over three hundred citizens of the Commonwealth in getting coverage either through the new Kentucky kynect or directly with insurance companies. Contact us to find out if you qualify for the Advanced Premium Tax Credit or reduced-cost  sharing amounts.

Are you losing coverage through your employer?

Vaughn Insurance is here to review your coverage needs and find the right plan to fit your personal situation.

Are the premiums on your current plan getting too high?

At Vaughn Insurance, we represent many fine companies, and we can help you explore other options to make sure you are spending your healthcare dollars wisely.

Are you between jobs and need a short term plan to bridge the gap until you start your new plan?

Vaughn Insurance has such plans available and can get you coverage as early as the next day.

Are you concerned about how you are going to pay for higher and higher deductibles?

At Vaughn Insurance, we have plans that can help cover some of your out-of-pocket  costs and reduce the amount you will have to pay for certain conditions.

Are you retiring early and want to know what your health insurance costs are going to be until you reach Medicare eligibility?

Vaughn Insurance can work with you to find the most affordable plans that can bridge that gap.

Are you losing coverage under your parents’ health insurance and need to find something until you get your career started?

At Vaughn Insurance, we provide simple answers to hard questions to make sure you understand all of your options and have good choices to pick from.

Complete this online request for information form.  We will respond to you immediately.

Chat with us LIVE NOW! 

Make an appointment with us for face to face meeting or phone conversation.

City of Henderson moving to a Protection Class 2 City (Fire Insurance Rating)

“This is a good thing for Henderson KY in terms of fire protection, but don’t look for a large decrease in your homeowners insurance premiums.” -Nibby Priest, Licensed Insurance Advisor

The Henderson City Fire Department announced today that they were moving to a protection class 2 effective January 1, 2015. Previously, they were a protection class 3.

What is a city protection class? This is the rating that the ISO (Insurance Service Office) gives a municipality based on their response time for fire and emergency services.  By obtaining a protection class 2 rating, our city (Henderson KY) has proven to ISO that they are responding faster, and they have better equipment.  This is a win/win for both residents and insurance carriers.  Better response for citizens and less potential for larger claims.


Henderson City Fire Department Engine R1

What will this do to my homeowners insurance rates? Most all of the homeowners insurance carriers give the same rate for both a protection class 2 as they do for protection class 3, and we will see very little if any rate decrease for this change. We as a city do not need to discount this, but embrace the idea that our Fire Department is better equipped and responding faster than before when it was rated a protection class 3.

Some carriers are moving away from rating homeowners insurance based upon protection class. Since a majority of homeowners, insurance claims come from weather-related perils rates might be more aptly determined by weather patterns of particular address.

If you have questions about this or any other homeowners insurance questions, we ask you to contact us.

Official Public Protection Classification Summary Report for Henderson KY September 2014

Need a Notary or a Notary Bond? We can help

If you need something Notarized in Henderson KY, we will be glad to do if for you free of charge.  

Most of our licensed agents are Kentucky Notaries.  We never charge to perform the duties of a Notary Public in Henderson Kentucky.

If you are or want to become a Notary, we here at Insurance can provide you with an official Kentucky Notary Bond.  

If you need to become a Notary Public in Henderson KY, you need to visit the Kentucky Secretary of  State Website.

The cost for a notary bond is $50 for a 3 year bond.

We write these through Liberty Mutual Bonding.

We have a online form for you to complete to request a Notary Bond.  We also have a form you can print and fax to us.

If you have any questions about becoming a Kentucky Notary or needing a Kentucky Notary Bond, please contact us.

original post 3/22/12

Drive Safe : Where Should Kids and Pets Sit

After mobile phones the leading cause of accidents is other passengers.

This video from our partner company Travelers Insurance explains where kids should sit while in a vehicle.


Home Based Business

What is a home based business?  Trade, profession, or occupation – full, part-time or occasional.  Any other activity engaged in for money or other compensation.  There are a few exceptions.

Home based businesses are one of the fastest growing segments in the small business segment.  Depending on the size and type of business you may have limited to no coverage.

Most homeowners have limits for business personal property at your home, with a reduced limit for business personal property away from your home.  These limits may be increased with a home based business endorsement.  You will need to check with your agent for eligibility.

If you operate your home based business out of a detached garage or shed, you may have eliminated that detached building from all coverage.  Again you will need to discuss this with your agent to determine if you have any coverage for the use of your detached building for a home based business.

Goods sold, but not delivered may also be excluded as that now becomes property of others.  If you are working on property of others, such as a gunsmith or a refinisher that will refinish woodwork, your client’s property may also be excluded.

Do you have a home based business?

Renting a vehicle – Should I purchase their insurance?

We frequently get calls from clients while they are at the rental shop asking if they have coverage for the vehicle they are renting.  There isn’t a simple answer to this question.  And actually we will have a few questions of our own.

  1. What type of vehicle are you renting?
  2. Is the vehicle being used for pleasure or business?
  3. Will you be leaving the covered territory of your policy? 
  4. Whose name will the vehicle be rented under?
  5. Who will be the driver(s) of the vehicle?


There are some situations where your personal auto policy will not extend to a rental car.  The size of the vehicle and the use of the vehicle are considered in this determination.  A personal auto policy will not usually extend coverage to a vehicle over 10,000 pounds gvw, so a 15 passenger van or that u-haul truck would not be a covered vehicle.

A child is listed as a driver on a parent’s policy, but they do not usually have the same coverage afforded to the first named insured, so a vehicle rented in their name would not be covered by the parent’s personal auto policy.

There are advantages of purchasing the rental shop’s coverage.  Here are just a few.

  1. If the vehicle is damage from a covered loss, you simply hand them the keys and walk away. There are some exclusions like racing & unauthorized drivers.
  2. No need to report the loss to your personal auto company, as the rental shop’s coverage will be primary, so your policy won’t get dinged with a claim and rates won’t increase.
  3. You will not have your credit card frozen until the claim is resolved.
  4. The rental company won’t charge you for down time / loss of use, which is the money they could have earned renting the vehicle.
  5. They will not charge you for diminished value from the vehicle being worth less after the accident.

Looking at these advantages, we strongly urge you to consider purchasing the rental companies’ insurance, but understand it is an option in most cases.  The cost of purchasing their coverage can make it seem unaffordable, but we are sure at the time of loss that you will be glad you did.

VIDEO: Washing Machine Safety Tips

Do you have questions about Washing Machine Safety?  Please contact us! 

Video provided by our partner company Travelers Insurance

Just What is Auto Insurance- watch this video

Video by our partner company Travelers Insurance

Graduating from college? Here are 4 ways to get health coverage


College students and recent graduates have several options for finding coverage in the Health Insurance Marketplace.

1. Special Enrollment Periods for College Grads

2. Medicaid and CHIP coverage

3. Coverage on a parent’s plan

4. Catastrophic coverage

We are certified kynect agents here at Vaughn Insurance and can help you with your questions relating to kynect, Affordable Care Act or Obama Care.

Contact us today! 

Vaughn Insurance Agency Co • 315 N Main St, Henderson, KY 42420 • 270.827.3505 •Trusted Choice | Privacy Notice
We are licensed to write insurance in the following states: Kentucky, Indiana & Illinois