Medicare Advantage Plans in Bedford, VA
Local Medicare guidance — not a call center.
Compare Medicare Advantage plans with a licensed Medicare broker in Bedford. We review your doctors, prescriptions, and enrollment timing so you can choose coverage with clarity.
Compare Medicare Advantage Plans with Confidence
Medicare Advantage plans, also known as Medicare Part C, combine your Medicare Part A and Part B coverage into one plan offered by private insurance companies approved by Medicare. Many plans also include prescription drug coverage and additional benefits not included in Original Medicare.
If you’re reviewing Medicare Advantage plans in Bedford, VA, Croft Insurance Services, Inc. helps you compare options carefully. As an independent Medicare broker, we represent multiple insurance organizations and evaluate plans based on how they align with your physicians, medications, and overall healthcare needs — not just the monthly premium.
We proudly serve clients throughout Bedford, Lynchburg, Roanoke, Smith Mountain Lake, Martinsville, and surrounding Virginia communities.
Choosing a Medicare Advantage plan involves more than selecting a company name. Networks, referral requirements, prescription formularies, and cost exposure all work together.
Before you enroll, we confirm whether your doctors participate in the plan’s network, review how your prescriptions are covered, and explain what your copays and annual maximum out-of-pocket limits may look like in practical terms.
Our licensed Medicare agents in Bedford walk you through these details step by step so you understand how your coverage works before it begins.
Understand Your Medicare Advantage Options Before You Enroll
HMO vs PPO Medicare Advantage Plans
Many clients ask, “What’s the difference between HMO and PPO Medicare Advantage plans?”
HMO Medicare Advantage Plans
HMO plans generally require you to use in-network doctors and hospitals and often require referrals from a primary care provider to see specialists. These plans typically offer structured cost controls and lower premiums.
PPO Medicare Advantage Plans
PPO plans provide more flexibility in choosing providers. You may see doctors outside the network, although your cost may be higher. Referrals are usually not required.
We help you determine which structure best fits how you prefer to receive care.
In addition to HMO and PPO options, some beneficiaries may qualify for specialized plan types.
Special Needs Plans (SNPs):
Designed for individuals with qualifying chronic conditions.
Dual Eligible Special Needs Plans (D-SNPs):
Serve individuals enrolled in both Medicare and Medicaid.
Medical Savings Account (MSA) Plans:
Combine a high-deductible health plan with a medical savings account component.
Types of Medicare Part C Plans
If you’re unsure whether one of these options may apply to you, we can review your eligibility during a consultation.
If you’re unsure whether one of these options may apply to you, we can review your eligibility during a consultation.
Medicare Advantage Enrollment Periods
You may enroll in or change a Medicare Advantage plan during your Initial Enrollment Period, the Annual Enrollment Period from October 15 through December 7, or during certain Special Enrollment Periods triggered by qualifying life events.
If you’re unsure whether you can switch plans right now, our Bedford office can review your enrollment window and eligibility during a quick phone call.
Why Work With Croft Insurance Services, Inc.?
- Local Office in Bedford: We are based right here in Bedford, serving clients throughout Lynchburg, Roanoke, Smith Mountain Lake, Martinsville, and surrounding Virginia communities. When you call, you reach a local office — not a national call center.
- Serving Virginia Seniors Since 2004: For more than 20 years, we have helped Virginia seniors navigate Medicare decisions with steady, consistent guidance.
- Independent Medicare Broker: We compare Medicare Advantage plans across multiple insurance carriers so you receive guidance based on your needs — not a single company’s product lineup.
- Year-Round Support: Our support does not end once you enroll. We provide annual plan reviews and ongoing assistance with coverage questions throughout the year.
Schedule a Consultation with Our Team
Meet Our Team
Whether you are enrolling for the first time or reviewing your current coverage, you can schedule directly with a licensed member of our team.
Les Plymale
Schedule with LesVice President, Broker & Registered Social Security Analyst
Provides Medicare enrollment coordination and structured benefit guidance.
Melody Key
Schedule with MelodyPresident & Broker
Specializes in Medicare and health insurance guidance with year-round client support.
Ann Ogden
Schedule with AnnInsurance Broker
Assists clients with Medicare plan comparisons and enrollment support.
Frequently Asked Questions About Medicare Advantage
What’s the difference between HMO and PPO Medicare Advantage?
HMO plans generally require in-network providers and referrals. PPO plans allow more flexibility but may cost more for out-of-network care.
Can I change my Medicare Advantage plan?
You can change plans during the Annual Enrollment Period or if you qualify for a Special Enrollment Period.
Do I have to switch to Medicare Advantage at 65?
No. You may choose Original Medicare with a Supplement plan or enroll in a Medicare Advantage plan.
Are prescription drugs included?
Many Medicare Advantage plans include prescription drug coverage, but not all do. We verify your medications before enrollment.
Can I keep my current doctor?
That depends on network participation. We confirm provider status before you enroll.
Is Medicare Advantage less expensive than Original Medicare?
Costs vary by plan structure. We review premiums, copays, and maximum out-of-pocket exposure so you understand the full picture.
Explore Your Options Today
Ready to Compare Medicare Advantage Plans?
Call our Bedford office or schedule a consultation with a licensed Medicare agent to review your options.
