Crouch Insurance

06/10/2026

Open Enrollment Starts November 1 for individuals & families

When it comes to your health, it’s best to be prepared. Open Enrollment for 2027 marketplace health insurance starts November 1, and we’re here to help you find the right coverage to fit your needs and budget.

You can pick from Affordable Care Act-compliant Marketplace health insurance plans including Premier, Select, and Value options.

Premier Plans (Bronze, Silver, Gold): Broad provider access, no specialist referrals, and preventive care covered before the deductible.

Select Plans: These plans feature in-person care from an exclusive provider network.

Value Plans: Often available in bronze, silver and gold metal levels. These plans feature care from an exclusive provider network and require referrals for most services.

Contact us if you need assistance in choosing a plan this open enrollment year.

22/09/2026

NEWS TO KNOW

What to do during Medicare Annual Enrollment

The Annual Enrollment Period (AEP) is from October 15 to December 7. During this time, medicare beneficiaries can make changes to their Medicare coverage without penalty. Whether you’re making decisions for yourself or a loved one, you may choose to join, switch, or drop a Medicare Advantage or Part D prescription drug plan. You can also choose to keep the existing coverage.

Below are helpful resources and information to help you feel confident and ready for AEP, especially if you’re helping someone else make Medicare decisions.

Changes you can make during AEP1

Drop a Medicare Advantage plan for Original Medicare. If you do, you’ll also lose the prescription drug coverage that was included with the Medicare Advantage plan.
Add a Medicare Part D prescription drug plan (PDP) to Original Medicare or certain Medicare Advantage plans.
Switch from Original Medicare to a Medicare Advantage plan. If you do, you may be able to drop standalone Part D coverage as most Medicare Advantage plans include prescription drug coverage.
Drop a current Part D or Medicare Advantage plan and enroll in a new one.
Should I keep my current Medicare coverage?

You or a loved one may have experienced changes in health, finances, or overall lifestyle in the last year. Ask yourself, “Is this Medicare plan still right for me/them?”

Reasons to maintain coverage

After receiving an annual notice of change (ANOC) letter from a plan provider, you may wonder whether it’s better to keep the existing coverage or switch plans. Consider factors such as staying within a certain network or tier under the prescription drug formulary.

Also consider the value of extra benefits that come with some Medicare plans, such as gym memberships, dental and vision coverage, or over-the-counter allowances. These benefits may offset higher monthly premiums and out-of-pocket costs.

Do I have to renew my Medicare plan?

If you or a loved one decide to keep the existing Medicare coverage, you may wonder if you need to renew with the plan provider. You do not. As long as premiums and other costs are paid, you do not need to actively re-enroll in the plan.

Considering switching Medicare plans?

If a Medicare plan has been discontinued, or if different coverage is wanted/needed, switching Medicare plans may be the right move. Compare Medicare Advantage plans and Medicare Supplement (Medigap) plans to figure out which is right for you or someone you’re caring for.

22/08/2026

Want money back in your Social Security check every month? You could reduce your monthly Part B premium with a Devoted Health plan.

I can walk you through all of your plan options, answer any questions you have, and help you find a plan that fits your needs and budget!

Let’s talk and see what you could save each month.

*Medicare Advantage plans may pay all or part of your part B premium — this is sometimes called the "Part B Giveback". The amount may vary and can take a few months to process before showing up in your Social Security check.

01/12/2025

Medicare Open Enrollment ends December 7
Don't miss your chance to compare 2026 health and drug plans.

13/11/2025

The federal government shutdown might be over, but the future of enhanced premium tax credits (ePTCs) still hangs in the balance. Congress has not yet voted to extend ePTCs that keep affordable coverage in the hands of millions of Americans.

Early next month, the Senate will have an opportunity to vote to extend these vital tax credits. But even if the Senate votes yes, leaders in the House have not yet agreed to hold a vote.

Millions of Americans are already dealing with higher premiums for Plan Year 2026 as they shop for coverage.

This is our last chance for Congress to extend these critical tax credits before they expire on December 31. Your voice matters more now than ever before.

Take action today:

Call your lawmaker !!!

Here’s a few talking points to help guide your message:

Unless Congress renews these vital tax credits, many of your constituents will lose healthcare coverage. If Congress fails to quickly renew enhanced premium tax credits, your constituents’ premiums could more than double starting January 1st.

This is a bipartisan issue. Polls show widespread, bipartisan support for renewing these tax credits. It's a common-sense decision that protects your constituents.

Make it personal. Share stories about how rising premiums and expiring ePTCs are impacting Americans

05/11/2025

Attention my BCBSNC under 65 clients!!!!!

This is information from BCBSNC regarding Binder Payment for 2026 plan year.

Binder Payment Requirements:

A binder payment is required when a member renews on a DIFFERENT PRODUCT (on marketplace) than their current year product (e.g., from Blue Advantage to Blue Care, etc.).

Illustration:
* Member is enrolled in Blue Advantage in Greensboro
* Switches to Blue Home with Cone Health

Since the member is changing to a different product a binder payment is needed, and autopay will need to be re-established.

However, in this scenario where:

*Member is enrolled in Blue Care Gold Standard A
* Switches too BlueCare Silver Choice A

Since the member is changing to a different plan but the same product a binder payment is not needed, and autopay will not have to be reestablished.

Contact me with any questions
704-564-8201
Patricia Combs
BCBSNC Agent

Send a message to learn more

21/10/2025

Contact me for more Information

13/10/2025

Aetna

Keeping you informed

Great news! We reached an multi-year agreement with Duke Health that will keep them in the Aetna network with no interruption to care. The new agreement strengthens our ability to deliver access to high-quality, convenient and affordable health care to our members.

Local location icon.
Key things to know

Duke Health providers remain in-network with no interruption to patient care.
Members may continue to see their preferred Duke Health providers. No action is required.
For a current list of our in-network providers, visit AetnaMedicare.com/findprovider.

19/08/2025

To BCBSNC Members

State of Emergency: Hurricane Erin

Date: 08/18/2025

Due to the anticipated impacts of Hurricane Erin, Blue Cross and Blue Shield of North Carolina (Blue Cross NC) is allowing early prescription refills to ensure that customers have access to the prescription drugs they need. This applies to Dare County and Hyde County.

Details About Early Refills

Dare County and Hyde County have been declared a state of emergency.
The early refill request must be made between August 17 and August 31, 2025, unless rescinded earlier.
Members should call the number on their ID card if they have a problem trying to get an early refill.
Our early refill policy does not apply to controlled substances.

19/08/2025

Starting August 25th