Business Details
Trusted Medicare Supplement Insurance in Chico, CA
Cressy Insurance Services is an independent insurance agency dedicated to providing tailored Medicare supplement and life insurance solutions. Our priority is exceeding client expectations through personalized service and practical advice. With established partnerships with leading insurance carriers, we offer comprehensive coverage options for California residents, specializing in rural areas. Our team focuses on individual needs, ensuring clients understand their options while prioritizing appropriate benefit structures. We emphasize long-term relationships built on trust, integrity, and proactive support, guiding clients through Medicare complexities with professional expertise. 
Services
Medicare Supplement Insurance
Life Insurance
Plan Change Assistance
Disability Coverage
Prescription Drug Plans
Medicare Advantage
Highlights and features
- We offer independent agent agreements with leading insurance carriers
- Our team specializes in rural California county insurance landscapes
- We provide personalized insurance advice tailored to individual circumstances
- Our proactive approach ensures ongoing client support and education
- We demonstrated client savings through plan comparisons and transitions
What people say
Saved $73 monthly
Thorough plan explanations
Proactive annual updates
Easily contactable
Helpful for new enrollees
Services
Medicare Supplement Insurance
Medicare Supplement policies help cover out-of-pocket costs associated with Original Medicare. These plans pay for deductibles, copayments, and coinsurance not covered by Part A and B. We offer customized solutions to protect against unexpected healthcare expenses while maintaining provider flexibility.
Medicare Advantage Enrollment
We assist with Medicare Advantage plan selection and enrollment. These private insurance alternatives provide all Original Medicare benefits plus additional coverage like vision, dental, and prescription drugs. Our guidance ensures proper network understanding and cost-benefit analysis for informed decisions.
Prescription Drug Coverage
Our Part D plan assistance helps clients find appropriate prescription medication coverage. We analyze formularies, tier structures, and pharmacy networks to identify cost-effective solutions that align with individual medication needs and preferred pharmacies.
Life Insurance
We offer life insurance products as complementary coverage to Medicare plans. These policies provide financial protection for dependents and estate planning purposes. Our approach considers individual health status, coverage needs, and budget constraints.
Plan Change Assistance
Our team facilitates seamless Medicare plan changes during enrollment periods. We analyze new premiums, benefits, and coverage limitations to identify cost-saving opportunities while maintaining appropriate protection levels. This includes the California Birthday Rule for annual premium comparisons.
People
Steve Cressy
Medicare Supplement Insurance Agent
Steve Cressy is a licensed California insurance agent specializing in Medicare coverage solutions. With extensive experience explaining complex insurance options, he helps clients understand plan differences and transition between coverage types while maintaining continuous protection.
Belinda Cressy
Insurance Professional
Belinda Cressy collaborates with clients to identify appropriate insurance solutions. She assists with policy comparisons and provides ongoing support for Medicare-related insurance needs across California's rural communities.
Questions
What is a Medicare Supplement policy?
Medicare Supplement (Medigap) plans cover out-of-pocket costs from Original Medicare, including deductibles, copayments, and coinsurance, while allowing choice of any Medicare-accepting provider.
How do I choose between Medicare Advantage and Medigap?
Medicare Advantage offers network-based plans with additional benefits, while Medigap provides broader provider access with predictable out-of-pocket costs. We compare both options based on your specific needs.
Can I change Medicare plans after enrollment?
Yes. California's Birthday Rule allows Medigap plan changes annually with guaranteed issue, and federal Open Enrollment runs October 15-December 7 for all Medicare plans.
Does Medicare cover prescription drugs?
Original Medicare doesn't include prescription coverage. You must enroll in a separate Part D plan or choose a Medicare Advantage plan that includes drug benefits.
What services do you provide for new Medicare enrollees?
We explain Original Medicare components, compare supplemental options, and assist with initial enrollment or transition from employer coverage to Medicare-based plans.
