What Is Individual Health Insurance?

Individual health Insurance is the type of coverage that pays for medical and surgical expenses incurred by the insured.

What is Long Term Care?

Long Term Care insurance is protection designed to alleviate some of the costs associated with the different levels of personal care such as home health, assisted living, and nursing home.

What is Life Insurance?

Moneys paid out to a designated beneficiary upon the death of the insured(s) to a designated beneficiary(ies).

Monthly Saving with A Premium Tax Credit

When applying for coverage in the Health Insurance Marketplace, Croft Insurance can help determine if you qualify for a “premium tax credit” that could potentially lower your monthly payment.

The amount of your premium tax credit has many variables, and depends on your estimated household income and dependents.  Croft Insurance will research this with you.


Croft Insurance works with you throughout the year to notify the market place of any changes.  It is important to know the eligibility of your tax credit and avoid “reconciling” issues at the end of the year.

  • When your income changes, so does your premium tax credit:

If your income changes, or if you add or lose members of your household, your premium tax credit will change too.

  • Changes to your income or household:

If you have incurred any changes regarding your income or house hold you would want to notify the market place immediately to avoid any tax penalties at the end of the year. The Croft Insurance team will assist you through the process.

Short Term Health

In Virginia, a short-term health insurance plan offers health care coverage for a limited period of time ranging from one to twelve months. This is a great solution if you’re between jobs, waiting for your group coverage to begin, or if you’re a recent college graduate needing medical coverage.

Croft Insurance will advise you during the process to follow the guidelines and eligibility of coverage when purchasing a short-term medical insurance plan.

The Croft Insurance team is knowledgeable and up-to-date with the current regulation rules and requirements of HIPPA (Health Insurance Portability and Accountability Act).

Get Health Care Coverage with Confidence

The Croft Insurance professionals will help you design the right health insurance plan for you and your family.
 We are available Monday - Thursday 9:00 AM to 5:00 PM and Friday 9:00 AM to 1:00 PM for in-person and phone appointments.



Croft Insurance Services
706 Burks Hill Road
Bedford, VA  24523

Disclaimer:  We do not offer every plan available in your area. We represent seven organizations
which offer 64 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your
local State Health Insurance Program (SHIP) to get information on all of your options.