Lee Boyd · Industry Leader since 2010
Clear, one-to-one guidance for Medicare decisions and family protection—handled in separate conversations and explained in plain language. Call Lee directly; there is no call center and a first conversation carries no obligation.
Serving Kentucky, Virginia, West Virginia, Ohio, Tennessee & Indiana
Clear choices. Personal service.
Boyd Financial Group is an independently owned general agency helping individuals and families make confident Medicare, hospital indemnity, dental, vision, hearing, and life insurance decisions across Kentucky, Virginia, West Virginia, Ohio, Tennessee, and Indiana.
Health coverage in retirement
Turning 65, retiring, or reviewing your current plan? Lee helps you understand Medicare and compare available options from the insurance companies he represents.
Protection for the people you love
Put practical protection in place for your family, obligations, and legacy—with every option explained in plain language.
Guidance with a human connection
Each conversation begins with the decision in front of you—then works backward from your coverage, household, and priorities. These original scenes reflect the calm, grounded approach behind Boyd Financial Group.
Review togetherStart with what you have before deciding what comes next.
Ask directlyYour questions deserve an unhurried answer.
Protect the purposeBegin with the people and responsibilities that matter.
Plan around recoveryConsider the household around the hospital stay.More lives, more starting points
The details are different for every household. Explore the questions that often bring people to a coverage conversation.
New: Medicare 2027 Learning Center
Read plain-language guides to confirmed 2027 changes, Part D cost limits, negotiated drug prices, the GLP-1 Bridge, and annual reviews. Every article separates confirmed facts from details that are still pending.
Explore all six guidesA plain-language guide to Medicare changes CMS has confirmed for 2027 and the costs and plan details that have not yet been published.
Read the guideUnderstand the 2027 Medicare Part D defined-standard deductible and out-of-pocket threshold without confusing them with a plan quote or a total health-care spending limit.
Read the guideLearn which 15 additional Part D drugs have Medicare negotiated prices beginning January 1, 2027 and why an official negotiated price is not an individual copay guarantee.
Read the guideDental, Vision & Hearing Learning Center
Learn what Original Medicare generally covers, how separate policies typically work, and how to avoid paying twice for similar benefits. The review starts with coverage already in place.
Explore all four guidesA plain-language map of routine dental, vision, and hearing gaps in Original Medicare, including the limited medical situations Medicare may cover.
Read the guideLearn the terms that shape separate dental, vision, and hearing coverage—from networks and waiting periods to allowances, frequency limits, and benefit maximums.
Read the guideA needs-first method for inventorying current benefits, checking providers, and deciding whether separate dental, vision, or hearing coverage addresses a real gap.
Read the guideHospital Indemnity Learning Center
Learn how fixed benefits work, how long hospital stays can create out-of-pocket and household pressure, and what to verify before adding another premium to your protection plan.
Explore all four guidesA plain-language guide to fixed cash benefits, covered events, benefit schedules, claims, and the important limits of hospital indemnity coverage.
Read the guideSee how inpatient status, benefit periods, daily coinsurance, physician charges, and post-hospital care can affect what a Medicare beneficiary may owe.
Read the guideUnderstand how a fixed benefit may support a household during a covered hospital event—and why it should not be described as full reimbursement or income replacement.
Read the guideLife Insurance for Seniors Learning Center
Learn when coverage may still matter after retirement, how to estimate a need, how term and permanent insurance differ, and why existing coverage deserves protection during a replacement review.
Explore all four guidesA balanced look at the financial responsibilities life insurance may address later in life—and the reasons some retirees may need less or no additional coverage.
Read the guideA practical worksheet for comparing future obligations with existing resources—without relying on a one-size-fits-all coverage multiple.
Read the guideUnderstand how coverage duration, premium schedules, cash value, renewability, and guarantees differ before choosing a policy type.
Read the guideWhy clients choose Boyd
Trust grows when you know who you are speaking with, what will happen next, and where the conversation stops. Boyd Financial Group makes those expectations clear from the beginning.
Your first conversation and ongoing service come directly from Lee, so there is no handoff to an unfamiliar call center.
Lee has worked in insurance since May 2010. His public National Producer Number is 15712657.
Terms, tradeoffs, and next steps are explained clearly so you can make your own decision without a rushed pitch.
Medicare and life insurance stay in separate conversations. This website has no online enrollment or lead form.
Important Medicare information
This website provides general educational information. It does not display plan-specific premiums, benefits, cost sharing, Star Ratings, or enrollment materials. Availability and eligibility depend on the individual and location.
Calling or emailing Boyd Financial Group does not obligate you to enroll and does not affect your current Medicare coverage.
Before a personal Medicare marketing appointment, the Medicare products to be discussed must be agreed upon and documented. An in-person appointment requires a written Scope of Appointment.
Life insurance and other non-health products are not marketed during a Medicare Advantage or Part D sales activity or presentation.
This site has no online enrollment or lead form. Boyd Financial Group does not sell or transfer Medicare beneficiary information collected through this website.
Visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users can call 1-877-486-2048.
Boyd Financial Group LLC is not connected with or endorsed by the United States government or the federal Medicare program.
Do not send your Social Security number, Medicare number, banking information, or detailed health information by ordinary email. Call Lee first to discuss a secure next step.
Ready for a personal conversation?
Call Lee directly or request general Medicare information by email. Calling or emailing does not obligate you to enroll.
Founded in 2026 by Lee Boyd, an Industry Leader since 2010.
Industry Leader since 2010. Founded in 2026.
After working in insurance since May 2010, Lee Boyd founded Boyd Financial Group in 2026 to give people a more personal insurance experience—knowledgeable, responsive, and easy to understand. There is no handoff to a call center and no pressure to make a rushed decision.
Lee meets clients by phone or, by prior appointment, in the comfort of their own homes. He listens first, explains the choices clearly, and stays available after coverage begins.
“My job is to make the options clear so you can make a confident decision.”— Lee Boyd, Founder
A simple, personal process
No rushed pitch. No one-size-fits-all answer. Just a straightforward conversation about what matters to you.
Call or email and share what is changing or what you need help with.
Review Medicare needs or life insurance needs separately. Before a personal Medicare marketing appointment, the agreed product scope is documented.
Understand the available options and decide what fits—without pressure.
Take the next step
Choose a Medicare review or a separate life insurance review when you speak with Lee.
Common questions
Every situation is personal. These are helpful starting points, and Lee can walk through the details with you.
Get more information nowIt is helpful to begin learning about your choices a few months before turning 65 or losing employer coverage. Your exact enrollment window depends on your circumstances.
Yes. Lee can help you review how your current coverage fits your needs and explain other available options from the companies he represents. Enrollment changes are subject to Medicare eligibility and election periods.
It depends on who and what you want to protect, how long you need coverage, your budget, age, and health. A needs-based conversation can help narrow the choices.
Original Medicare generally does not cover routine dental care, routine eye refractions, hearing aids, or hearing-aid fitting exams, although it may cover certain services when specific medical rules are met. Some Medicare Advantage plans and other coverage may offer additional benefits, so Lee starts by checking what you already have before discussing separate coverage.
Hospital indemnity is limited fixed-indemnity coverage that may pay a predetermined cash amount when an event meets the issued policy's terms. Payment is not based on the medical bill, may not equal what you owe, and does not replace Medicare, Medicare Advantage, Medigap, or other comprehensive health coverage.
Boyd Financial Group serves clients in Kentucky, Virginia, West Virginia, Ohio, Tennessee, and Indiana. Product availability and eligibility vary by location, carrier appointment, and individual circumstances.
No. Calling or emailing does not obligate you to enroll in a plan and does not affect your current Medicare coverage.
You will work directly with founder and owner James “Lee” Boyd. Boyd Financial Group does not hand inquiries to a call center.
Lee’s National Producer Number is 15712657. It is one public identifier; product-specific authority and availability still depend on current licensing, carrier appointments, annual certification, and the client’s location.
No. Medicare and life insurance conversations are handled separately. Life insurance and other non-health products are not marketed during a Medicare Advantage or Part D sales activity or presentation.
Call 859-583-2138 or email lee@boydfinancialgroupllc.com. Lee will respond directly and help you decide the best next step.
