Crystal Burney, Medicare Insurance Agent
Crystal Burney
Crystal Burney
Medicare Agent Licensed in AR, OK and TX
Contact Details
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Location
Fayetteville, AR
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Phone
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Website
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Schedule An Appointment
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Pre-Appointment Form
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About Me
My name is Crystal Burney, and I’m here to help educate and empower you with personalized health and life insurance solutions—so you can have true peace of mind. Whether you’re looking to secure your family's financial future, cover unexpected medical expenses, or just want to better understand your options, I’m here to answer your questions and guide you every step of the way.
I’m committed to making the process simple, clear, and tailored to your unique needs.
With access to a range of trusted insurance plans and a genuine dedication to your well-being, I’ll help you find coverage that truly fits. No pressure, no confusing jargon—just real support and education for real people.
Warmest Regards
Crystal Burney
479-966-8808
Q&A with Crystal Burney
What do you like most about being a Medicare agent?
Answer: What I love most about being a Medicare agent is the opportunity to educate people about the benefits available to them, and how to truly make the most of those benefits. I'm blessed to help individuals find a plan that suits their unique needs and wants. Sitting across the kitchen table, getting to know someone personally, and building a relationship based on trust is the part I treasure most. Walking out the door knowing I’ve helped someone feel more secure about their healthcare, and given their family peace of mind, is a feeling of complete satisfaction and joy.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: With a PPO you have more flexibility to see Doctors, and specialist both in and out of network and many plans don't require referrals depending on your specific plan, the out-of-pocket cost may be higher but, you can enjoy more freedom. With an HMO you are generally required to stay in network, and referrals are usually required, to see specialist, you may have fewer provider options, but by staying in network you benefit from lower out of pocket costs.
I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?
Answer: I would not say you made a mistake, everybody's situation is different, and comes with unique needs. I recommend working with a local advisor who can help you evaluate your specific circumstances and explore all of your options so you can make an informed decision that is right for you.
Can you help me understand Maximum Out-of-Pocket (MOOP) limits in Medicare plans, from your experience as an agent?
Answer: In simplified terms MOOP or Max Out of Pocket cost is the most you will have to pay for COVERED healthcare services in a year under your Medicare plan. This means as your copays, coinsurance and deductibles are paid throughout the year, and they meet the MOOP amount, you will not pay out of pocket anymore throughout the year.
For example, if your Medicare Advantage plan has a MOOP of 5,000.00 and you hit that amount in medical costs Copays, Coinsurance and deductibles, during the year, you will not pay anything more for covered services the rest of the year.