Business Details
23 Years
experience
Your Trusted Medicare Insurance Specialist in Mississippi
Ricky Credille Insurance is a family-owned independent insurance agency based in Belmont and Tupelo, Mississippi. Since March 2003, we have specialized in providing personalized Medicare, health, and life insurance solutions to clients across Alabama, Kentucky, Mississippi, and Tennessee. Our team of experienced agents, including Ricky Credille (President), Randy Credille (Vice President), and Jeff Credille, brings decades of combined expertise in navigating insurance options to meet individual client needs. As an independent agency, we prioritize our clients' interests over insurance company affiliations, offering unbiased advice and access to multiple carriers. We focus on educating clients about their options, ensuring they receive the best coverage at the most affordable rates. Our commitment extends beyond policy sales, providing ongoing support to address common insurance challenges and maintain long-term client relationships.The agency prides itself on accessible, personalized service, with direct communication to clients rather than automated systems. Our team's industry certifications, including Randy Credille's Life Underwriter Training Council Fellow designation and Certified Senior Advisor status, demonstrate our dedication to professional excellence. Client testimonials consistently highlight our knowledgeable, patient approach and exceptional service quality, reflected in our 18+ years of serving senior populations. With offices in Belmont and Tupelo, we combine local market understanding with comprehensive insurance expertise to serve individuals and families at various life stages.
Services
Medicare Supplement
Prescription Drug Plans
Medicare Advantage
Health Insurance
Life Insurance
Details
- Year established: 2003
Highlights and features
- Our agents average over 12 years of specialized insurance experience
- We operate as an independent agency working for clients, not insurers
- We provide personalized, non-automated customer service with direct access to agents
- We maintain local offices serving Mississippi and surrounding states
- Our team includes certified Senior Advisors with specialized senior care expertise
What people say
Most knowledgeable
Helpful and patient
Excellent customer service
Best in business
Genuine care for clients
Services
Medicare Supplement
Medicare Supplement insurance helps cover out-of-pocket costs not paid by Original Medicare Parts A and B. These plans provide financial protection against unexpected medical expenses while maintaining flexibility in healthcare provider choices. Our agents help clients analyze various Medigap plans to identify the best match for their specific healthcare needs and budget.
Prescription Drug Plans
Medicare Part D prescription drug coverage provides medication cost assistance through pharmacy and mail-order options. We offer comprehensive analysis of available plans in clients' states, helping identify the most cost-effective options based on individual medication needs and preferred pharmacies.
Medicare Advantage
Medicare Advantage plans offer bundled coverage combining Parts A, B, and usually D in a single policy. We explain different plan structures like HMOs and PPOs, and help clients evaluate trade-offs between premium costs, network restrictions, and additional benefits offered by these alternatives to Original Medicare.
Health Insurance
We assist with ACA-compliant major medical plans, short-term medical coverage, and medical indemnity plans. Our expertise includes explaining coverage differences, evaluating cost-sharing structures, and helping clients select appropriate protection based on health status, budget, and coverage priorities.
Life Insurance
As part of our comprehensive insurance services, we offer life insurance solutions to protect families and businesses. We help clients determine appropriate coverage amounts and types while explaining policy features, underwriting requirements, and long-term cost implications.
People
Ricky Credille
President
After 30+ years in manufactured housing, Ricky began his insurance career in 2003. With expertise in Medicare Part D plans and a passion for serving seniors, he leads the agency's client-focused approach. Married to Ann for 50+ years with 3 children and 9 grandchildren.
Randy Credille
Vice President
A certified Senior Advisor with Life Underwriter Training Council Fellow designation, Randy joined the agency in 2008 after earning a biology degree and running his own insurance agency. He specializes in addressing seniors' financial and psychological needs.
Jeff Credille
Agent
With a 25-year education career including high school principal roles, Jeff transitioned to insurance in 2010. He leverages his student advocacy experience to help clients navigate insurance choices, maintaining deep community involvement through Hope Church.
Ann Credille
Business Manager
Family-owned agency leader supporting operations while maintaining client service focus. Combines business acumen with personal commitment to quality insurance solutions.
Laine Turvaville Ozbirn
Administrative Assistant
Key administrative team member providing quality service to clients. Demonstrates commitment to professionalism and client satisfaction in daily operations.
Questions
What are the key differences between Medicare Supplement and Advantage plans?
Medicare Supplement plans cover specific Original Medicare costs, while Advantage plans replace Original Medicare with bundled coverage. Supplements maintain provider flexibility, whereas Advantage plans often have network restrictions but may include additional benefits.
How do I determine the best prescription drug plan for my medications?
We analyze your specific medication needs, preferred pharmacies, and plan formularies to identify the most cost-effective prescription drug coverage option that meets Medicare requirements and your personal healthcare needs.
Can I change my Medicare plan after enrollment?
Yes, we help clients navigate Annual Enrollment Period changes (October 15-December 7) and qualify for Special Enrollment Periods when circumstances allow mid-year modifications to better match current needs.
What health insurance options exist outside open enrollment?
We provide access to year-round short-term medical plans that offer temporary coverage solutions when clients miss ACA open enrollment periods, with options for immediate coverage beginning the next day.
How does your agency maintain personalized service with multiple clients?
Our family-owned business structure allows direct agent access without automated systems, ensuring personal relationships with every client. This approach enables tailored communication and follow-up for all our policyholders.
What should I consider when choosing Medicare coverage at age 65?
We evaluate your current health status, expected medical needs, budget constraints, and provider preferences to create a comprehensive coverage plan that addresses both immediate and long-term healthcare requirements.
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Reviews (6)
Chung Hoang
Oct 23, 2021
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Austin Sanderford
Mar 31, 2021
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Positive:Professionalism,Quality,Responsiveness
Jeff set me up with a great personal policy after I went full time with my business. The Ricky Credille Insurance Agency is responsive, knowledgeable, and down to earth.
Jeff set me up with a great personal policy after I went full time with my business. The Ricky Credille Insurance Agency is responsive, knowledgeable, and down to earth.
Pamela Thompson
Dec 22, 2020
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Jeff Credille has done an outstanding job of helping me choose the best Medicare Part D program each year! I have Type II Diabetes and Jeff has gone above and beyond searching out the most cost effective plan for me. He is very friendly, caring, and is always available to conference with me and answer questions. Please call Brock and Credille for all your Medicare and other insurance needs!
Jo Ellen Wynn Barnett
Nov 13, 2020
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My husband and I both needed new Plan D insurance. Jeff Credille went above and beyond to help us find exactly the insurance that would help us with our medicines. Thank you so much!! We highly recommend this group!!
Judy Humphries
Oct 27, 2020
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Wonderful people to work with. They go above and beyond to help those of us who know nothing about insurance jargon. I can call Jeff Credille anytime and he promptly gets back up with me and stays with an issue until its resolved. I appreciate the receptionist, and all who work there. I wish everything in life was this easy.
Wendy Pate
Oct 20, 2020
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Jeff Credille helped my in-law's out with their supplement. He was able to save them $50 per month. They are on a fixed income so this savings was like going from Spam to Ham! Brock and Credille Insurance is the best in customer service and building lasting relationships.
