Are You Struggling with Medicare?
If you are one of the millions of Americans who rely on Medicare for your health care needs, you may be facing some challenges and frustrations with the program. Medicare is a complex and often confusing system that can leave you feeling overwhelmed, underinsured, or overcharged.
Some of the common problems that Medicare beneficiaries face include:
Fraud and Abuse
Medicare loses billions of dollars every year to fraudulent claims, billing errors, and scams that target seniors. You may be paying for services or equipment that you never received, or that were not medically necessary. You may also be at risk of identity theft or financial exploitation if you share your personal or Medicare information with unscrupulous callers or websites.
Limited Choice
Medicare offers different types of plans, such as Original Medicare, Medicare Advantage, and Medicare Supplement (Medigap). However, not all plans are available in every area, and not all providers accept every plan. You may have difficulty finding a plan that meets your needs, preferences, and budget. You may also have to switch plans or providers if your situation changes or if your plan changes its network, benefits, or costs.
Gaps in Coverage
Medicare does not cover everything. You may have to pay out-of-pocket for services or items that are not covered by your plan, such as dental care, vision care, hearing aids, long-term care, or prescription drugs. You may also face high deductibles, coinsurance, and copayments that can add up quickly.
Lack of Digital Literacy
Many people on Medicare lack internet access and digital skills, which can limit their ability to access health information, compare plans, communicate with providers, and manage their benefits online. This can lead to worse health outcomes, higher costs, and lower satisfaction.
We Can Help with That!
Compare Plans
We help you compare different Medicare plans based on your needs, preferences, and budget. We show you the pros and cons of each option, and help you find the best value for your money.
Use Your Benefits
We help you use your plan benefits to get the care and services you need. We help you find providers that accept your plan, schedule appointments, fill prescriptions, file claims, and more.
Enroll in A Plan
We help you enroll in the plan of your choice online, over the phone, or in-person. We handle all the paperwork and details for you, and make sure you don’t miss any deadlines or requirements.
Resolve Issues
We help you resolve any issues or problems that may arise with your plan or provider. We help you appeal denials, report fraud, request refunds, change plans, and more.
Our Signature Process to Finding A Plan Suited for YOU
No two plans are alike. Consequently, enrolling into one plan could be the difference of hundreds of dollars spent more each month than by enrolling into another. Our Signature Process to EDUCATE, EVALUATE, and ENROLL ensures that our plan recommendation is truly fitted to you and your personal situation. Don't just get what all your friends have! Take advantage of our expertise to get the right plan for you!
Download Our Medicare 101
We’re not going to sugarcoat it, Medicare is complex. If you choose the wrong plans, supplemental insurance, or prescription coverages, then your budget or lifestyle will be affected. If you don’t enroll at the appropriate times and in the appropriate plans, your coverage may not even exist at the right time when you need it. Download this guide if you want to learn the basics of navigating the Medicare maze. Please remember, the CRM Group is here to help you choose the right coverages for your budget and lifestyle.
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Contact Us
Have some questions or just want to talk to a real person? We'd love to get in touch with you!
Contact UsCome by for a Visit!
Meridian, ID 83642
Don't Just Take Our Word for It!
"I found Chad to be very honest and professional. I am completely satisfied with the decision we made after his explanation how health insurance works. I can recommend Chat without a doubt."
Johanna Schaap
"He’s the best Medicare advisor! Thank you Chad!!"
KariLynn Reeves
"Chad’s honesty and professional approach made an impression on me. I can highly recommend this office."
Herman Schaap
"ChadMcDonald and his team have been prompt, caring and professional! Nothing but 5 stars 🌟 service I feel fortunate to have found! Word of mouth Referred by a close friend 🧡 That's the best 👌 references in my book!"
Amy Eden
"Chad and the rest of CRM group are friendly and very knowledgeable. They can help with all your insurance needs, whatever they may be. Dealing with Chad is a positive experience."
Mike Levet
"Our experience with Zack was very good! Great customer service at every step. He took the time needed to explain our options and followed up with us well. Can without reservation recommend Zack to those needing education or any other assistance in regard to the ever-changing landscape of Medicare."
Cindy Gildesgaard
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Jo Ballard
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Melinda Hurtado
"Chad McDonald with CRM Group, LLC had been the best agent I've ever had the pleasure of working with. He cares about his work and his clients and on numerous occasions has gone above and beyond what is required to serve my interests and needs. He is not only my agent but also a friend. I highly recommend Chad for your health insurance needs, Sincerely, Steve Padoris"
Stephen Padoris
"Zack Askelson has been so helpful as I needed to change my Medicare plan. He asked what my needs were then had several plans I could choose from. He listens and is genuinely interested and cares about my needs."
Sue Bittle-Russell
"I've been very happy with Chad's help would recommend him to anyone"
cletis nason
"Chad is an agent that cares about his clients."
Robert Stave
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Erik Gabrielson
"They are always looking out for me. They note changes, good or bad and if bad, make recommendations for change. Nice friendly staff and can get replies in a timely manner. If you need help, they are the people to talk to for action!"
Jerry Bongiorno
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Tom Helzer (TomCat)
"Chad saves me a lot of time. People think just because you’re retired that you have plenty of free time, which may be true but I worked all those years so I could spend my time on what I wanted. Chad is a very valuable resource and I have referred him to others and every one of them have been grateful. CRM is knowledgeable, informative, easy to work with and most importantly, current in this ever-changing environment."
T. Niskanen
"Chad has been great. Everything I need does not go unanswered. Great job Mr. McDonald."
Marshall Hyatt
"Working with Zak has been an absolute joy. He is very knowledgeable and is always able to answer my questions."
Mary Wheeler
"Chad is patient and answered all our questions"
Marilyn Price
"Zack is great. A pleasure to do business with!"
Greg Bishop
"My name is Paul Fortin, and when I reached 65 I had no clue how to navigate through all the Medicare plans. Luckily I had received a brochure from Chad and having doing some research about him and his company, I had him come to my home and explain all my options. Over the years he has reached out when price changes have effected my plan or other issues and has kept my premiums as low as possible with great coverage. When I got married a few years ago, my wife needed quick coverage and Chad went out of his way to get her a great plan in a short time. I have referred friends to Chad and they also have been pleased with their insurance needs. The only area we have a different opinion is I am a Notre Dame fan and he is a BYU football 🏈 alumni. So other than that, I definitely would recommend Chad and his team for your insurance needs."
paul fortin
"When I first moved here in Boise Chad came to my house to guide me through the Medicare options. He was very helpful"
Pat Coronado
"Zack presents himself as very professional in his field. Asked what our objective and expectations are. Presents various options for comparison. Very pleased with his service."
John Ramey
"Chad with the CRM Group was a life saver. I was lost, trying to figure things out on my own. Chad explained everything and put all my options in front of me. I have been very happy with my decisions."
Rod Becker
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Mary Liese
"Chad is always timely in his response to my concerns. Pleasure to work with him and his team."
Bill Colpo
"Chad McDonald you are the best agent ever"
geralyn beard
"I was able to see Zack without waiting. Got my Medicare coverage changed easily and he answered all y questions."
Leslie Cannon
"My experience with Chad was flawless, I went into our sit-down meeting with specifics and after explaining thoroughly how Idaho Insurance companies work it was rather easy to find the plan that suited me best. It was an enjoyable experience. I highly recommend."
brian nickel
"Chad is always there when you have questions or need policy help."
Lezlie Dunn
"My wife and I have used Chad McDonald as our Medicare Advantage agent for 2 years and are very pleased with his attention to detail, patience in answering our questions, and helping steer us towards doctors who accept our plan. Dave Campbell Post Falls, Id."
dave campbell
"Pleasant to work with and efficient in picking the policy I needed. Thanks!!"
Judy Hills
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Mitch Davis
"Thank you for always being available You’ve helped me very much in the past to where I am happy with my plan & with low premium Thank you for always updating me on changes coming up I feel very blessed to have found u years ago!"
H. Gonzales
"The first year of retirement was challenging when it came to my Medicare plan. Zack turned that 180 degrees. Now I’m comfortable with my benefits since Zack took over. We both grew up in the Midwest and have similar work ethics. I would recommend him to anyone that needs help."
James Martin
"This is one of those individuals that you want to help you understand and choose your medical benefits. He takes his time and answers all your questions in detail. He knows his stuff.."
Frank “HopTopVI” L
"Excellent service"
John Mandas
"After just one year (two insurance cycles), I am really impressed with Zack's professionalism, knowledge, care for customers and responsiveness. I had been using another insurance "broker" for over 7 years and never received the insight I got from Zack even after the first visit. Maybe that's my fault but Zack offered information on the many options out there to folks by prodding me to identify what is really important from my medical insurance provider... I ended up saving a huge amount of money on premiums but I enjoyed moreso three annulus to call or text Zack anytime I needed a question answered or just support / information. So if your wondering if you have the right insurance coverage - give Zack a call and spend a few minutes to get your answers. You may not change brokers but I found the best one for me..."
Doug Twilla
"He took care of all my questions fast ."
Kristin Mattson
"Zach handled my Medicare plan very well to fit my specific needs especially when I leave the country a few times a year ."
Richard Braithwaite
"Very helpful and gets things done!!!"
Donald Steadman
"Chad is always “on top of it” as these plans change from year to year and always finds just the right plan. J&J, Boise"
Jo-Anne Smith
"Zack was very helpful in helping me with my medicare. I appreciate that very much. BETTY CASSITY."
Betty Cassity
"Zack saved me a lot of money with my prescriptions it’s nice to have him available when I need him"
Margie Canary
"I started my Medicare benefits in 2024 and was overwhelmed with all the options for coverage. Zack was so nice and willing to explain options (over and over) so I could make the best choice for myself. He also, willingly gave his time to my husband (who had had the same supplemental insurance for years) and was able to save him several hundred dollars a month by switching his plan to something comparable. He also worked with my mom to find her a good fit. I highly recommend Zack to anyone with Medicare questions."
Diana Twilla
"Chad , has been very, kind and professional agent. If i don't understand . Explains it so I do. In short. He is awesome!!!"
Terry Serrano
"Zach was right on top of all our questions. He knew medicare information throughly. I would recommend him to all. Thanks Zach"
Mary Lewellen
"Chad has been an excellent help for me and my family to establish the right care package for my wife and I and I appreciate it very much"
Steven Knutzen
"We trust Chad to help us find the correct coverage for us each year. 2024 was a bad year for me medically with being hospitalized 6 times. The amount we had to pay out of pocket was very reasonable and less than we expected. Chad is out agent and we will and have recommended him to friends and family."
Autry Haws
"Very knowledgeable about what is the best insurance to use. Always available for questions and needs. Extremely personable. Makes hard decisions easier to make with confidence."
Claudia Brown
"Zack is very personable and kind. Explained and answered all my questions. Very happy to have him as my agent. Thank you Zack."
Juli Duncan
"Zach Askelson is an amazing insurance man! He found the best policy for my Medicare supplement, and made sure I understood everything about it. He’s easy to talk to and very knowledgeable. He takes care of his customer so well.. I highly recommend him!"
Toni Albanese
"Chad McDonald has been my agent for several yrs. He has always been attentive to my needs concerning my insurance. He is very forthright and honest with any and all changes concerning my account. I know I can reach him with any questions I have. I am very pleased with the service he has provided me."
Darcy Overton
"It was a very good meeting, details of policy's were discussed and I believe that the best policy was chosen. I was and am happy with my choice. Well done with a professional manner."
Jerry Stewart
"Zack has been very helpful and available as I have gone through the Medicare process. His friendly personality makes it a pleasure to be around."
Del Christensen
"I really appreciate the help Chad gives my son and I. He does research to help determine the best insurance policies for each of us. My son and I have different needs, so we each have a different insurance policies. Thanks Chad!"
Paula Titus
"Very helpful and easy to talk with. Will help if"
Kathleen Sharp
"Chad was on time for our appointment. He answered my questions and concerns to my satisfaction. He showed me the best plan for me for 2025. Thank you Chad."
Virginia Davenport
"Chad gives us assurance that our best medical coverage is in his hands. We are very thankful for his help ."
Judy Dlugosh
"Thank you Chad for always taking the time to hear our concerns and work hard to resolve any issues we have."
Kate Mullins
"Chad is always more than willing to help us with any questions or problems that we might have. Bob and Karen in Parma"
Robert Hawkins
"Zack was very helpful and made the Medicare comparison between plans easy for me to understand. I had a very enjoyable experience."
Donna Bailey
"Chad McDonald has provided me with extraordinary service in my Medicare insurance. I believe he will provide you with this same reliable service."
John Nobbs
"Chad is very helpful working thru all of the plans out there especially when some of them left this year. Although he gets as frustrated as we do."
Don Martin
"My husband and I are both very pleased and very.thankful for Chads knowledgeable assistance. He takes the time to explain in detail about each option that’s is available. Every question we had he made sure he answered so we understood and not left still wondering. He never made us feel rushed in our appointments. He helped my husband even though he wasn’t Chads client on that specific insurance benefit. We highly recommend Chad and never been disappointed with his advice. Here’s a plus, if your new to Medicare and know zero about insurance, you will find that Chad can explain everything insurance on a level for everyone to understand."
Carol Wilson
"Chad McDonald and his CRM Group are very responsive to a client’s requests; very responsible in evaluating a client’s goals and finally, very effective in finding optimal solutions for each client whether it’s an individual or a couple."
Jeffrey L Smith
"We are pleased with Chad's responding to our health insurance needs in a timely manner and corresponding with us throughout the year. His timely advice regarding new insurance coverage for us is most appreciated."
Ray Lewis
"Chad is easy to talk with, and explains in terms I can understand! I get mailers and email for updates if requested. All in all a great experance."
jim fields
"I have had the pleasure of doing business with Chad McDonald. He is a man of his word and will get the best insurance care you need. He’s a Dad and grandfather ,proud of his family and pride in his, work . Give Mr.McDonald a try and you will not be disappointed!"
James Ferguson
"Great dealing with, good communication"
Dustin Holland
"My husband and I have been with CRM Group for years and have always received quick responses and meaningful help from Chad as we navigate our way through Medicare. Thank you."
Kim smith
"It's simple. Chad's the best. He has patiently worked with me for years. I always know that he is looking out for me and i appreciate it....especially when he saves me money."
Leon Maynard
"Chad is great to work with during this process. He is very knowledgeable and is able to answer questions and explain policies very well. He makes an overwhelming process enjoyable."
Ellen Hardiman
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Ellie Whaley
"Zack Askelson did a great job helping me get my advantage plan. He explained my options well and I'm very happy with the plan I have now."
connie boling
"Chad is a great agent highly recommended. You'll find other agents, but not as good as chad."
Ron Frye
"Zach has helped me out the last few years. Very knowledgeable and helpful when trying to figure which plans may work best for you. If he doesn't know an answer he'll find out. I would definitely recommend zack for help with Medicare!"
La Roy Sullins
"Chad is the best! Thank you!!"
Sug Reeves
"I met Zack last year and discussed changing my Medicare Supplement insurance because I was quite dissatisfied with the policy/service I was receiving. After a formal meeting to explore the options available to my wife and I, Zack helped us make the necessary changes. Due to the current administration's policies, it has been necessary to make another policy change, and once again, Zack made the process seamless. We very much appreciate his professionalism in helping us to meet our Medicare Supplement insurance needs! Thanks Zack!!!"
Terry Dillehay
"Great service, and follow up"
Richie Thompson
"Zack is my go to and his knowledge and willingness to share details has been so valuable to me in my choices the last couple of years. I rely on and implicitly trust Zack!"
Deirdre Rogers
"Chad has done an amazing job for me. I would love to thank him very for his time and hard work to make sure I'm all taken care of. He needs a 10 star Rating."
Ronie Wheelwright
"Chad has been, and is, incredibly helpful and informative for both my mother and me. All inquiries are answered in a timely matter in clear, consice response. He is friendly and knowledgeable."
Darcy Hartz
"Chad is my Medicare sage! This fall, my Medicare Advantage plan announced it will not be available for 2025. I contacted Chad and he helped me navigate and decide on a new provider. He made an annoying and stressful situation clear and helped find the best replacement for my previous plan. Chad is helpful, very knowledgeable, kind and honest. Thank you Chad!"
Dirk Rosenbaum
"Zack is a thoughtful and caring person which makes him an outstanding agent. When it comes to Medicare he is well informed. If you are looking for someone to help you with Medicare, Zack is your guy!"
Patti Vickery
"Chad is awesome! He has been helping us with our Medicare needs for years. He is very knowledgeable of all the available insurance program's and with the changes coming in 2025 he was able to help us pick the best insurance program for us. Thanks Chad."
Ron Honabach
"Chad has been a wonderful resource. With the special needs I’ve expressed, he has found the best plan for me. He knows his subject matter better than I could ever research myself. I’m constantly referring everyone I know confused or struggling with Medicare to contact him. He is the Best!"
jan kirk
"I trust CRM to give me the best choices for me. We've been with CRM almost from the start and Chad has always made things clear so we could make an educated choice. He always gets right back to me when I have a question."
Shirley Travis
"I met Chad recently and I’m so glad I did. I was paying too much for my insurance. He explained everything in detail as what I needed, and it was a delight to have him as my Insurance agent. He’s very easy to talk to and ask questions. He explains everything so nicely that it’s easy to understand. I am very pleased what is done for me thank you so much, Chad. You’re great."
Arsena Ashjian
"Chad, was speedy and did an excellent job working on my case."
debbie kay
"I have worked with Chad for at least 6 years. He is easy to work with, and is ALWAYS up-to-date on all Medicare policies available to me. He researchs all my medical insurance needs and what policy covers them best for the least of out-of-pocket expense. He is professional yet personable. I recommend him to all my friends."
Julia Bullock
"Chad has been our insurance agent for over 2 years. He is very knowledgeable in all advantage plans and is quick to respond when you have questions. A pleasure to work with."
Kathy Copeland
"Thanks, Chad, for your expertise and assistance in choosing the best Medicare insurance for us. You are so prepared when we meet with you. We always know we are receiving the BEST advice! Tom & Sharon"
S Page
"Chad is a great insurance agent! Friendly and knows what he is talking about. Just tell him what your needs are. He researches, finds the ones that fit your needs, goes over them and helps you decide what is best for you. I put my full confidence in Chad and he has not let me down. You won't regret having Chad as your agent!"
Chelle Strech
"Chad really helped us we have been going to Chad for several years and are always pleased"
Judy McCauley
"We have worked with Chad for many years. We wouldn't want anyone else. He has helped us so much and we haven't had to worry about anything. We would highly recommend choosing Chad. He's wonderful and extremely knowledgeable."
Janice Ward
"Chad stepped in to help my family during a very difficult time that required his insurance expertise. And continues to offer the best options for my personal needs in the changing health insurance market."
Ann Cox
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Richard
"Chad has really helped us with our insurance needs. Finding the best fit for us. He is like family"
Connie Jo McEvoy
"Chad is the best person and insurance agent you could ask for the"
Darrell Ward
