Medicare, health, life, dental and insurance guidance that puts you first.

You do not pay an additional fee for the agency's guidance. Agents may be compensated by insurance carriers when an enrollment occurs.

No. O'Neal Insurance Group is an independent Medicare Plan insurance agency and is not connected with or endorsed by the federal Medicare program.

No. Information is limited to plans the agency offers in your area. Medicare.gov, 1-800-MEDICARE, and your local SHIP can provide information about all options.

Bring your Medicare card if enrolled, medication list, preferred pharmacies, doctors and hospitals, ZIP code, budget questions, and any notices you want help understanding.

Yes. Guidance is available by telephone and through an online screen-sharing appointment on a phone, tablet, laptop, or desktop.

Yes. The agent can use the information you provide to review directories and formularies for plans the agency represents. Provider and pharmacy participation should also be confirmed directly.

Enrollment timing depends on your situation. Initial, annual, special, and other enrollment periods have different rules. A licensed agent can explain plan enrollment timing, while Social Security and Medicare make official determinations.

Medicare Advantage is another way to receive Medicare-covered benefits through a private plan. Medigap works with Original Medicare to help pay certain out-of-pocket costs.