At Crump Insurance Agency, we not only help you find the right fit for your Medicare health insurance needs,but we also offer a full range of plan options designed to address your health and financial needs in the retirement years.

Medicare Advantage

Medicare Advantage (or Part C) is Medicare health insurance provided by a private carrier that contracts with Medicare. These plans must provide benefits equal to those under Original Medicare, but often include additional benefits, such as Prescription Drug coverage (or Part D), vision, hearing, dental and other health-related services.

Medicare Supplement

A Medicare Supplement (or Medigap) is available through a private insurer to supplement Original Medicare. These plans cover some or most of the additional health care expenses that Original Medicare does not cover, such as co-pays, co-insurance and deductibles.

Prescription Drug Plans 

Prescription drug coverage (or Part D) is not available through Original Medicare, and must be purchased from a private carrier. This coverage may be purchased as part of a Medicare Advantage plan, or as stand-alone coverage.

Dental Insurance

Caring for your dental health is an important part of maintaining overall health and wellness. Dental insurance provides preventive dental coverage, along with optional coverage for basic and major dental procedures. Dental insurance helps you budget for both expected and unexpected dental health needs.

Short Term Recovery Care

One of the greatest financial risks you or your spouse may face in retirement is the need for custodial care either due to a cognitive impairment (like dementia or Alzheimer’s) or the inability to perform two or more activities of daily living. Basically, the need for daily partial or 24-hour care at some point in life. Short Term Recovery Care provides daily benefits for up to a year to cover the costs associated with custodial care, whether at home or in a skilled nursing facility.

​Indemnity Plans

Additional financial protection is available through various indemnity plans. These plans pay daily, weekly or lump-sum cash benefits directly to you in the event you are hospitalized, need home health care, suffer a heart attack or stroke, or are diagnosed with cancer. In addition to the medical costs associated with these conditions, beneficiaries often face additional expenses as well. Indemnity plans can provide additional financial resources and peace of mind when it’s most needed.

​Final Expense

Final Expense is a basic life insurance policy that provides permanent coverage until age 100, with no increase in premiums. Benefits are payable to your spouse, children, or other beneficiary in the amount that you choose; giving you the peace of mind knowing that your family members will not be burdened with the costs associated with carrying out your final wishes.