Welcome to Croft InsuranceOur Mission is to provide health and Medicare insurance services based on your needs.
Our home office is located in Bedford, VA. We extend our services throughout Central and Southwest Virginia, as well as North Carolina. We seek to find the most affordable health insurance available. Our experienced insurance agents are available to assist you.
Serving Amherst, Bedford, Botetourt, Campbell, Franklin, Henry, Lynchburg, Martinsville, Pittsylvania, Roanoke, and surrounding areas in Virginia.
QUOTE FROM PRESIDENT SUE CROFT –
“There’s more to Insurance than the policy itself. It is providing dependable protection, gaining trust, and building a professional relationship. In these changing times products are forever changing, thus effecting your insurance needs. We listen and provide you with options.
”. -Sue N. Croft
What is your situation?
Are you turning 65?
Looking for a coverage review?
Losing employer coverage?
Losing a Medicare Advantage plan involuntarily?
- Market Place/Exchange
- Private Off Exchange Plans
Short Term Health Care
- Limited period coverage
- HIPPA Compliant
Long Term Care
- Annuity Long Term Care
- Life Long Term Care
- Health Long Term Care
- Critical Illness
- Recovery Care (Home Health, Assisted Living)
- Hospital Indemnity
- Retirement Planning
- Short Term
- Long Term
Medicare Part D
Medicare Prescription drug plans also known as Part D are offered by Medicare approved private insurance companies. Part D plans help cover the cost of prescription drugs and may help lower or protect against high out of pocket costs. Part D can be purchased as a stand-alone plan with Original Medicare or a Medicare Advantage (MA). Some Medicare Advantage plans, however, do include Part D.
If you are “New” to Medicare, joining a Part D when you are first eligible is very crucial. If you wish to join at a later time, you will pay a late enrollment penalty (LEP).
Before leaving your current employer or union coverage contact your Human Resources Department prior to making any changes. If you drop the employer/union coverage too soon, you may not be able to get it back.
A Medigap policy is a health insurance product sold by private insurance companies to fill gaps in Original Medicare coverage. Medigap policies do not cover your share of the costs under other types of health coverage, including Medicare Advantage Plans, stand-alone Medicare Prescription Drug Plans, employer/union group health coverage, Medicaid, Veterans benefits (VA) or TRICARE.
A Medicare Advantage plan (PFFS, HMO, PPO) is another Medicare health plan choice you may have as part of the Medicare. Medicare Advantage plans also known as “Part C” or “MA Plans” are offered by private companies approved by Medicare. Medicare Advantage plans MUST cover all for the services that Original Medicare covers except Hospice Care. MA Plans are not supplemental coverage and can offer extra benefits such as Vision, Hearing, and Dental.
The High Deductible F plan (HDF) is often over looked and allows one a low premium with a small annual amount out of pocket.
Get Health Care Coverage with Confidence
The Croft Insurance professionals will help you design the right health insurance plan for you and your family. Call for a free consultation today.