Croft Insurance Services, Inc.

Medicare and Health Insurance with Local Service You Can Trust

Serving Virginia with Medicare, Health Insurance, and Social Security Guidance

Clear, local help from a licensed Medicare agent in Bedford, VA for Medicare enrollment, Medicare Advantage and 65 and still working, Health Insurance coverage, and Social Security decisions before and after you enroll.

Clear Medicare Help, Tailored to You

Whether you’re newly eligible or exploring better Medicare coverage, we’re here to simplify the journey. At our agency, there are no confusing terms or pushy pitches—just honest guidance from someone who listens. We're based in Commerce Township, MI and serve people all across Michigan as well as 33 other states across the U.S.

Here’s What Our Clients Are Saying

We believe good service speaks for itself—and so do the people we’ve helped. Below are just a few kind words from individuals who turned to us for clear, one-on-one Medicare support. Check out more review here!

Medicare Made Simple

Local Medicare & Health Insurance Brokers in Bedford, Virginia

Since 2004, Croft Insurance Services, Inc. has operated from our Bedford, VA office helping individuals, families, retirees, and educators navigate Medicare enrollment, Medicare Advantage and Supplement plans, ACA Marketplace coverage, Medicaid coordination, and Social Security timing. As independent Medicare brokers in Virginia, we represent multiple carriers and provide year-round support after enrollment — all from a local office you can call or visit.


Learn more about our team and history.

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Croft Insurance Services Office

Our Services

How Original Medicare Works

Medicare is the Federal health insurance program for:

  • People who are age 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).


There are two different parts of Original Medicare that help cover specific services which are referred to as Part A and Part B. For a summary of premiums, deductibles, coinsurance, and other costs associated to Part A and Part B,   click here →

Medicare Part A (Hospital Insurance)

In general, think of this like ‘room and board’ when you’re in the hospital. This is an entitlement benefit, meaning most people are entitled to their Part A at age 65 because they have paid into Social Security and Medicare as part of their income taxes every year and therefore are entitled to Part A premium-free. The deductibles, coinsurance, and out-of-pocket costs within Part A can quickly add up.

Medicare Part B (Medical Insurance)

Most people associate Medicare coverage with Part B because this is the major medical, or ‘doctoring,’ part. This includes services such as doctor visits, labs, x-rays, CT’s, surgeon fees, physical therapy, and everything in between. In 2025, most people will pay a monthly premium of $540-586-3500 for Part B. Higher income earners will pay more due to an Income-Related Monthly Adjustment Amount, or IRMAA. The Part B premium deducts automatically out of a beneficiary’s Social Security income, or if the SSI is deferred, the Social Security Administration will mail a bill (usually quarterly). This premium gives the Medicare beneficiary 80/20 major medical coverage: Medicare pays 80% of major medical costs, leaving the Medicare beneficiary responsible for the other 20%, with no maximum out of pocket.  Also, Part B's deductible in 2025 is $257 for the calendar year.

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Medicare

As a local Medicare broker serving Bedford, Lynchburg, Roanoke, Smith Mountain Lake, and surrounding Virginia communities, Croft Insurance Services, Inc. helps clients compare Medicare Advantage plans, Medicare Supplement (Medigap) plans, and Medicare Part D prescription drug coverage. We guide you through enrollment timelines and help you avoid costly penalties.

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Health Insurance

We assist individuals and families with ACA Marketplace health insurance, Special Enrollment Period eligibility, individual coverage, and family health insurance plans across Virginia.

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Other Insurance Services

We also offer Final Expense Insurance and supplemental coverage for dental, vision, hearing, and more. If you're looking for complete protection without confusion, we’ll explain your options clearly and help you choose what works for your life and budget.

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65 and Still Working

If you are approaching Medicare eligibility but still covered by employer insurance, we help determine whether you should enroll in Medicare Part B or delay coverage without penalty.

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OTHER WAYS WE HELP

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Cancer Insurance

Cancer insurance offers financial support after a diagnosis. Croft Insurance Services, Inc. helps Bedford residents compare policies and understand coverage to better protect their finances during treatment.

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Medicare & Medicaid Coordination

If you qualify for both Medicare and Medicaid, we help you review Dual Eligible Special Needs Plans (D-SNP) and understand how benefits work together in Virginia.

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Supplemental Insurance Coverage


We help clients add dental insurance, vision insurance, life insurance, and long-term care insurance to help close gaps in primary health coverage.

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Hospital Indemnity

We provide hospital indemnity insurance that pays cash benefits during hospital stays. We help individuals and families review policies to understand how coverage works and supports their overall insurance plan.

What Sets Croft Insurance Services, Inc. Apart

We offer health insurance with service — Before and After Enrollment

Choosing a plan is only part of the process. We remain available after enrollment to help with questions, coverage explanations, premium notices, plan changes, and carrier communication. When you call, you reach our Bedford office — not a national call center. Our role does not end once paperwork is submitted. We provide guidance at every stage.

Medicare-Focused for Over 20 Years

Since 2004, Croft Insurance Services, Inc. has helped Virginia seniors navigate Medicare enrollment, plan comparisons, and annual reviews with consistency and clarity.

A Physical Insurance Office in Bedford, VA — Not a Call Center

Located at 706 Burks Hill Road in Bedford, Virginia, our office provides in-person appointments, a local phone number, published business hours, and ongoing service — not a national hotline.

A Dedicated Medicare & Health Insurance Team

With licensed brokers, support staff, and structured leadership continuity, Croft Insurance Services, Inc. operates as a full-service insurance office providing stability and year-round assistance.

Independent, Multi-Carrier Medicare Broker

We represent multiple insurance organizations and dozens of Medicare and health insurance products, allowing you to compare coverage options across carriers.

Registered Social Security Analyst on Staff

Our Vice President is a Registered Social Security Analyst, offering structured Social Security analysis and Medicare coordination that many local agencies do not provide.

BBB Accredited Since 2014

Our accreditation and longstanding community presence provide added accountability and trust for clients throughout Central Virginia.

What Our Clients Say

We believe good service speaks for itself—and so do the people we’ve helped. Below are just a few kind words from individuals who turned to us for clear, one-on-one Medicare support.

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Meet Our Team

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Sue Croft

Founder & Insurance Broker

Sue founded Croft Insurance Services, Inc. in 2004 and has guided Central Virginia seniors through Medicare decisions for more than two decades.

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Melody Key

President & Broker

Melody specializes in Medicare and individual health insurance and provides year-round support to clients across Virginia.

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Les Plymale

Vice President, Broker & Registered Social Security Analyst

Les provides Medicare guidance and Social Security claiming analysis to help clients coordinate benefit decisions.

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Ann Ogden

Broker

Ann assists clients with Medicare, Marketplace plans, dental, travel coverage, and Medical Savings Accounts.

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Donna Howell

Receptionist

Donna coordinates appointments and ensures clients are connected with the appropriate team member.

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Tracy Goff

Office Technician

 Tracy supports enrollment processing and assists the office during Annual Enrollment Period and throughout the year.

What Our Clients Say

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Insurance Carriers We Represent

Croft Insurance Services, Inc. represents multiple Medicare and health insurance organizations serving Virginia, allowing us to compare available plan options in your area.

Frequently Asked Questions

  • When should I enroll in Medicare?

    Most people should enroll in Medicare during their Initial Enrollment Period, which begins three months before the month they turn 65 and ends three months after. If you are still working or covered by employer insurance, your timing may be different. We review your age, employment status, and current coverage to help you enroll at the right time and avoid penalties.

  • Do I need Medicare Part B if I am still working?

    If you are still working at 65 and have qualifying employer health coverage, you may be able to delay Medicare Part B without paying a late enrollment penalty. However, COBRA, retiree coverage, and Marketplace plans usually do not count as active employer coverage. We help you determine whether your current insurance allows you to safely delay Part B.

  • Can I change my Medicare plan at any time?

    You can change your Medicare plan during certain enrollment periods, including the Annual Enrollment Period from October 15 to December 7. Some individuals may also qualify for a Special Enrollment Period based on life events. We review your situation to see if you can make changes now and explain your available options.

  • What happens if I have both Medicare and Medicaid?

    If you qualify for both Medicare and Medicaid, you may be eligible for a Dual Eligible Special Needs Plan (D-SNP) that coordinates your benefits. These plans are designed to help manage coverage and may include additional benefits depending on availability in Virginia. We help dual-eligible clients understand how their benefits work together and review plan options in their area.

States We Insure

Although we're proudly based in Michigan, we’re licensed in over 30 states and able to help individuals across the U.S. who need one-on-one Medicare support.

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Let’s Talk About Your Coverage

The fastest way to get answers is to call our Bedford office so we can connect you with the right member of our team.

 Monday–Friday | 9:00 AM – 5:00 PM

 706 Burks Hill Road | Bedford, VA 24523