Lori Crivelli, Medicare Insurance Broker
Lori Crivelli
Crivelli Insurance Services
Medicare Broker Licensed in CA, AZ, FL, ID, NC, NV, OR, UT and WA
Contact Details
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Location
Turlock, CA
About Me
Lori Crivelli has been serving clients in the insurance industry since 1993, helping individuals, families, and business owners make informed decisions about their coverage. In 2023, she expanded her portfolio to include Medicare, bringing her decades of experience to support seniors navigating an increasingly complex healthcare landscape.
An active member of NABIP (National Association of Benefits and Insurance Professionals), Lori is a passionate advocate for senior health. In February 2025, she traveled to Washington, D.C., where she met with legislators on Capitol Hill to discuss Medicare policy and the impact of the Inflation Reduction Act on seniors and the healthcare system.
Through her agency, Lori continues to be a proponent of senior health, dedicated to education, advocacy, and providing trusted guidance to help clients access the benefits they deserve.
Q&A with Lori Crivelli
Answer: There is no cost to use an agent. The cost of the coverage is the same if you call the carrier directly or if you use an agent. You will get more one on one service by using an agent.
Answer: Medicare does not cover vision such as eye exams and glasses. It may provide coverage for glaucoma, diabetic treatment, and cataracts.
Answer: Medicare only covers certain vaccinations, and a few other drugs for cancer. Breztri would be covered under a prescription drug plan and all plans are different. The plans would need to be checked to see if any cover this drug.
Answer: Scope of appointments are not required for Medicare Supplement plans. A Scope of Appointment is only required to discuss a Medicare Advantage Plan or a Prescription Drug Plan.
Answer: There is no cost to use a Licensed Insurance Agent to assist you with your Medicare needs. Licensed Agents are paid by the insurance carrier a commission.
Answer: Each Medigap plan covers differently. Depending on the plan you elect you may or may not have Part A deductibles covered. Part B deductibles are not covered with a Medigap policy unless you have Plan F. Without know the secondary insurance this cannot be answered.
Answer: Medicare does not pay anthing towards Medicare Advantage plans, therefore Medicare pays the carrier to handle 100% of the claim. Carriers can earn extra money based on their star ratings. Because they are being paid by Medicare to pay for your health care, they can offer $0 premium. You will have out of pocket expenses for some things.
Answer: This depends on the area you are located in and the doctor network. Some doctors only take Medicagap and some only take Medicare Advantage. It is important to work with an agent to help you determine what plans your doctors take.
Answer: You are eligible to enroll 3 months before your birthday, the month of your birthday, and three months after your birthday. You have a seven month window.
Answer: If you are age 65 or older, you would qualify immediately. If you are under 65 you will need to be on Social Security Disability Insurance for 24 months before you are eligible for Medicare benefits.
Answer: I would advise to work with a licensed agent. The agent can determine if your mom's doctors are on the Medicare Advantage plan she is considering. If they are not, the agent can help to find a plan that the doctors are on. If the doctors are located in different cities, finding a Medicare Advantage plan that allows all of her doctors may be difficult or impossible.
Answer: If you are medicare eligible age 65 or older, you will need to apply for parts A & B. Once you have your Medicare card you will want to meet with a licensed agent to help you determine the best plan. COBRA coverage is not creditable for Medicare and you could have a penalty if you take COBRA and not enroll in Medicare.
Answer: Original Medicare does not cover medical alert systems. Medicare Advantage plans may offer a free or discounted device depending on what it is. If an individual is also on Medicaid/Medi-cal it may be covered.
Answer: We host Turning 65 events twice a month for clients to come and here about Medicare. If they are not able to attend, we will do this on an individual basis.
Answer: Each person has different needs and some people prefer a Medigap policy so they are not restricted on what doctors they see. A Medigap policy allows you to see any doctor that accepts Medicare. For some individuals this is important and they elect to have a Medigap policy. There is also premium involved with Medigap policies where as most MedicareAdvantage plans have $0 to low premiums. Cost is a factor for most people when evaluating plans.
Answer: Part B Premium is $202.90 for 2026. The change is driven by the utilization and is established to offset 25% of the spending by beneficiaries. The Centers for Medicare & Medicaid Services (CMS) review and make projections to establish the premium for the following year. If you make more than the allowed amount, you will be subject to a higher Part B Premium amount.
Answer: The $2000 out of pocket maximum for 2025 is going to $2100 in 2026. A benefiary will only be responsible to meet this maximum amount for their prescriptions. Prior to this change the True Out of Pocket cost in 2023 for Presctiptions was $7400.
Answer: Medicare Advantage plans work differently than Medicare Supplement plans. The insurance company is paying for everything as Medicare pays them to handle your health insurance needs. By offering the OTC card "gift card" they hope members will take care of minor health needs early before things become serious. They use their incentives as differentiators for enrollment.