Business Details
We are a proven independent agency that assists you in getting the Medicare benefits you deserve! Every client is provided with our office and cell phone numbers for your personal convenience. Your life goals and health needs require a specific kind of insurance, and our agents are here to help. By learning about your family, we can provide the best quote on coverage.
What are your health concerns and goals? Allow us to assist you in choosing the right insurance for you. Whether you need health, life, or supplemental insurance we are ready to help. If you want to sign up, change your plan, or update your Medicare policy, we're here when you need us.
What are your health concerns and goals? Allow us to assist you in choosing the right insurance for you. Whether you need health, life, or supplemental insurance we are ready to help. If you want to sign up, change your plan, or update your Medicare policy, we're here when you need us.
Services
About Us
The most trusted name in Medicare, health, and life insurance.
Ricky Credille Insurance is a family owned independent insurance agency serves those in Alabama, Kentucky, Mississippi, and Tennessee.
As an independent agency, we work for our clients- not the insurance companies.
Our team specializes in Medicare insurance products.
Therefore, we are able to give you an unbiased opinion on your Medicare options.
Being appointed with many different insurance companies, we can find the right fit for you.
Ricky Credille Insurance is a family owned independent insurance agency serves those in Alabama, Kentucky, Mississippi, and Tennessee.
As an independent agency, we work for our clients- not the insurance companies.
Our team specializes in Medicare insurance products.
Therefore, we are able to give you an unbiased opinion on your Medicare options.
Being appointed with many different insurance companies, we can find the right fit for you.
Medicare Explained
Part A is your hospital insurance.
This part helps with costs associated with inpatient hospital stays and skilled nursing facility stays.
Home health and hospice care are also included under Medicare Part A.
For most individuals, there is no pay for Medicare Part A. Typically, there is no monthly premium for Medicare Part A (Hospital Insurance) coverage, because the policy holder paid Medicare taxes for a certain amount of time while working.
If you don't qualify for free Medicare Part A, there is an option to purchase it.
This part helps with costs associated with inpatient hospital stays and skilled nursing facility stays.
Home health and hospice care are also included under Medicare Part A.
For most individuals, there is no pay for Medicare Part A. Typically, there is no monthly premium for Medicare Part A (Hospital Insurance) coverage, because the policy holder paid Medicare taxes for a certain amount of time while working.
If you don't qualify for free Medicare Part A, there is an option to purchase it.
Medicare Part A
Original Medicare has two working parts, Medicare Part A and Medicare Part B. Medicare Part A is insurance that covers you for inpatient care.
Most people think of inpatient care as a typical hospital stay.
However, Medicare Part A covers typical hospital stays as well as inpatient care at mental hospitals and inpatient rehabilitation facilities.
In addition to hospitalization coverage, Part A covers post-hospital skilled nursing and short-term post-hospital home health care.
With this part, short-term hospice services will be covered as well.
Most people think of inpatient care as a typical hospital stay.
However, Medicare Part A covers typical hospital stays as well as inpatient care at mental hospitals and inpatient rehabilitation facilities.
In addition to hospitalization coverage, Part A covers post-hospital skilled nursing and short-term post-hospital home health care.
With this part, short-term hospice services will be covered as well.
Medicare Part B
Medicare Part B covers outpatient healthcare services.
This part of Original Medicare covers medically necessary services and supplies.
Flu shots, colonoscopies, mammograms, and wellness checkups are examples of what is included in these outpatient services.
It also covers routine outpatient services such as doctor's visits, lab work, and home health.
Original Medicare Part B covers services that are often expensive.
Chemotherapy or radiation would fall under this part.
Part B will also pay for drugs given to you in a medical clinic, such as injections for osteoporosis, infusion drugs, and insulin that is used with an insulin pump.
This part of Original Medicare covers medically necessary services and supplies.
Flu shots, colonoscopies, mammograms, and wellness checkups are examples of what is included in these outpatient services.
It also covers routine outpatient services such as doctor's visits, lab work, and home health.
Original Medicare Part B covers services that are often expensive.
Chemotherapy or radiation would fall under this part.
Part B will also pay for drugs given to you in a medical clinic, such as injections for osteoporosis, infusion drugs, and insulin that is used with an insulin pump.
Medicare Part C
A Medicare Advantage plan is an insurance plan offered by private companies that contract and are approved by Medicare.
You may opt to get your Medicare Part A, B and D benefits from a Medicare Advantage plan instead of Original Medicare.
Medicare Advantage Plans are sometimes called Medicare Part C. Advantage Plans offer you an alternative to Original Medicare.
Medicare Advantage plans were developed and created to provide an alternative to Original Medicare and Medicare Supplemental plans.
When you join an Advantage Plan, you are directing Medicare to pay the Advantage plan a set amount of money for your medical care.
You may opt to get your Medicare Part A, B and D benefits from a Medicare Advantage plan instead of Original Medicare.
Medicare Advantage Plans are sometimes called Medicare Part C. Advantage Plans offer you an alternative to Original Medicare.
Medicare Advantage plans were developed and created to provide an alternative to Original Medicare and Medicare Supplemental plans.
When you join an Advantage Plan, you are directing Medicare to pay the Advantage plan a set amount of money for your medical care.
Medicare Part D
As a Medicare recipient you have the option of enrolling in Medicare Part D to get help with your prescription drug costs.
Some refer to Medicare Part D as "prescription drug coverage."
You may even hear Medicare Part D simply referred to as a "drug plan."
If you are enrolled in Medicare Part A and/or Part B, you're eligible for Medicare prescription drug coverage.
Eligibility to enroll in some plans will depend on location.
If you're eligible for Medicare Part D, you can enroll in a stand-alone Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan.
Some refer to Medicare Part D as "prescription drug coverage."
You may even hear Medicare Part D simply referred to as a "drug plan."
If you are enrolled in Medicare Part A and/or Part B, you're eligible for Medicare prescription drug coverage.
Eligibility to enroll in some plans will depend on location.
If you're eligible for Medicare Part D, you can enroll in a stand-alone Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan.
Medicare Supplements
A Medicare supplement, sometimes referred to as a Medigap Plan, is a form of health insurance sold by private insurance companies to cover the "gaps" not covered by Medicare.
It covers the deductibles and coinsurance that Medicare would otherwise require you to pay.
A Medicare supplement covers the thousands of dollars in medical costs not covered by traditional Medicare.
If you have a Medicare supplement policy, Medicare will first pay its share of your medical expenses.
Your supplement will then step in and pay.
It covers the deductibles and coinsurance that Medicare would otherwise require you to pay.
A Medicare supplement covers the thousands of dollars in medical costs not covered by traditional Medicare.
If you have a Medicare supplement policy, Medicare will first pay its share of your medical expenses.
Your supplement will then step in and pay.
Medicare Advantage
Medicare Advantage offered by private health insurance companies covers the same benefits as traditional Medicare Part A and B along with additional benefits.
Some plans may also cover dental, vision and prescription drugs.
Another perk is Medicare Advantage plans cover care when participants see healthcare providers in their network, which is often significantly smaller than the number of providers who accept original Medicare.
Known as Part C, Medicare Advantage is not the same as Medigap Insurance.
Some plans may also cover dental, vision and prescription drugs.
Another perk is Medicare Advantage plans cover care when participants see healthcare providers in their network, which is often significantly smaller than the number of providers who accept original Medicare.
Known as Part C, Medicare Advantage is not the same as Medigap Insurance.
FAQs
You may choose your Medicare Part D drug coverage at the same time you first enroll in Medicare.
We encourage all of our clients to reevaluate their drug coverage each year.
This ensures they have the best coverage for the medications they currently take.
Plan G is currently the most popular plan with our clients.
It offers the most value out of the three most popular plans (F, G & N).
G is exactly the same as Plan F, the ONLY difference is the Part B deductible is not covered on Plan G.
Plan F will be phased out in 2020.
We encourage all of our clients to reevaluate their drug coverage each year.
This ensures they have the best coverage for the medications they currently take.
Plan G is currently the most popular plan with our clients.
It offers the most value out of the three most popular plans (F, G & N).
G is exactly the same as Plan F, the ONLY difference is the Part B deductible is not covered on Plan G.
Plan F will be phased out in 2020.
Get a Quote
They make you feel as if you are the only client they have.
Jeff Credille will spend as much time as needed to explain how things work because he cares for your needs like you were family.
Having an agent like him will put your mind at ease that he's taking care of you.
He will do his best to get you the best price possible.
Thank you, Brock and Credille and especially, Jeff Credille!
Found everyone that I have dealt with and talk to over the last few years to be kind and helpful to find me the very best plan to fit my need.
Jeff Credille will spend as much time as needed to explain how things work because he cares for your needs like you were family.
Having an agent like him will put your mind at ease that he's taking care of you.
He will do his best to get you the best price possible.
Thank you, Brock and Credille and especially, Jeff Credille!
Found everyone that I have dealt with and talk to over the last few years to be kind and helpful to find me the very best plan to fit my need.
