Licensed Medicare Agents in Bedford, VA
Croft Insurance Services, Inc. is a local insurance agency based in Bedford, Virginia. Our team of licensed insurance brokers helps individuals and families understand their Medicare and health insurance options with clear guidance and dependable service.
For more than two decades, our advisors have assisted clients throughout Bedford, Lynchburg, Roanoke, Smith Mountain Lake, and surrounding Virginia communities with Medicare enrollment, health insurance coverage, and supplemental insurance planning.
If you are looking for a Medicare agent in Bedford, VA, our team is here to help you compare plans, understand enrollment timelines, and choose coverage with confidence.
Melody Key
President & Insurance Broker
Melody Key is a Bedford, Virginia native and has been part of the Croft team since 2008. As President of Croft Insurance Services, Inc., she plays a key role in continuing the agency’s mission of providing personalized guidance and dependable service to clients.
Melody specializes in Medicare insurance as well as individual health insurance, including Marketplace and private health plans for individuals and families under age 65. She is known for taking the time to carefully compare coverage options and helping clients understand their choices before enrolling.
Her focus is not just helping clients enroll in coverage, but providing support throughout the year as needs change. Melody believes strong service and well-trained agents are essential to helping clients feel confident about their insurance decisions.
Outside the office, Melody enjoys baking, catering, traveling, and spending time with her grandchildren as “MiMi.”

Why Work With a Local Medicare Agent in Bedford, VA?
Choosing Medicare coverage can feel complicated, especially when comparing plan structures, prescription coverage, and enrollment timelines.
Working with a local Medicare advisor allows you to:
- Understand your Medicare enrollment timeline
- Compare Medicare Advantage and Medicare Supplement options
- Review prescription drug coverage based on your medications
- Ask questions about doctors, hospitals, and local provider networks
- Receive year-round support after enrollment
Croft Insurance Services, Inc. focuses on providing straightforward guidance so clients understand their options before making a decision.
Explore Your Options Today
Contact a Bedford Medicare Agent
If you are approaching age 65, reviewing your current Medicare coverage, or exploring health insurance options, our team is here to help.
You can call our Bedford office directly or submit the consultation form and a member of our team will follow up with you.

