Ali Crouch, Medicare Insurance Broker
Ali Crouch
Family Team with American Senior Benefits
Medicare Broker Licensed in IA, AZ, CO, FL, KS, MO, NE, SD, TX, VA, WI and WY
4+ Years of Experience
Contact Details
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Serving
Council Bluffs, IA
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Phone
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Website
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Ali Can Help With:
About Me
As a dedicated family team of Comprehensive Retirement Advocates, we understand the complexities of planning for the future and ensuring financial security. We're passionate about guiding individuals and families through the often-confusing landscapes of Medicare and health insurance, life insurance options, and long-term care solutions. We aim to empower you with the knowledge and support needed to make informed decisions that align with your unique needs and aspirations. This ultimately leads to more excellent financial stability and peace of mind during your retirement years and beyond. We work collaboratively to explore all available avenues and tailor personalized strategies, ensuring that your retirement plan is uniquely suited to your circumstances and goals to help you navigate the ever-changing landscape of retirement planning.
Our family team brings diverse skills and perspectives to the table. I, Ali Crouch (402-594-6780), work alongside my spouse, Christina Crouch (402-851-1648), and my mother, Darla Anderson (402-917-3499), forming a close-knit and collaborative unit. We pride ourselves on openly communicating and leveraging our strengths to achieve common goals. With strong family ties and a shared commitment to success, our combined efforts create a powerful and reliable foundation, where you are always valued as a part of our extended family.
Directions to My Office
Q&A with Ali Crouch
Answer: Yes, find an honest agent who will review the entirety of your plan each year. When I speak with my clients, I go over the details and everything they need to be aware of. No one likes surprises, so going over the details is very important.
Answer: Medicare has a code for each procedure. Depending on which side of Medicare you choose—Original, with a supplement, or a Medicare Advantage plan—the amount you owe could look a little different. I would be more than happy to speak with anyone looking for this information and wanting to know what to expect. However, I cannot provide a definite answer without knowing your plan.
Answer: When on a Medicare Supplement, you should shop around every few years to lock in a lower rate. To shop around, you must be able to pass the company's health questions. An example I like to use is my grandma. When I started in the insurance industry, she paid almost 500 a month for company X. We applied with multiple companies, and finally, she was approved on the sixth try. For the same coverage (F plan) with a different company, she was then paying 156 dollars a month instead. So, while you are healthy, you want to shop around.
Answer: The TV advertises free money for groceries, utilities, etc. This is for seniors on Medicaid and Medicare. These ads should specify this or tailor the commercials to the areas they are in. In Nebraska and Iowa, these plans are for Medicaid and Medicare recipients.
Answer: Some Medicare Advantage plans include dental, vision, and hearing coverage. If you are on a Medicare Supplement, separate dental and vision plans are available for purchase.
Answer: Key indicators are price, Medicare Supplements go up in price every year, and should be reviewed every 3-5 years. However, Medicare Advantage plans should be reviewed every year if they include your drug plan. Separate drug plans should also be reviewed every year.
Answer: The first step is letting Social Security know that you would like to start your Part B of Medicare. Next, I would highly advise speaking with a trusted broker. A broker has the ability to show you both sides of Medicare and offer more products to make Medicare work for you as an individual.
Answer: In some towns, hospitals do not accept Medicare Advantage. They can also be restrictive regarding billing codes and networks.
Answer: This year (2025), Medicare Part D no longer has a donut hole; however, checking your prescriptions every year is a vital part of ensuring you are on the correct Rx plan and knowing what your medications should cost throughout the year.
Answer: Some companies are already anticipating the change and adding the options to add to the Supplements; however, this is included in a higher price.
Answer: Some companies offer very high extra benefits and lose money. CMS is also changing what advantage plans can allow in their plans, making competition harder.
Answer: In 2025, the donut hole disappeared. A cap of $2000 for prescriptions became regulated throughout all drug plans. However, formularies still matter; if the prescription is not in the company's formulary, the person would pay full price for the medication.