Independent agency · Medicare, health & life
No-Cost Guidance That Puts You and Your Needs First
Medicare choices are confusing, and most people only get one chance a year to change them. We sit down with you, compare what is actually available where you live, and help you pick — no fee, no pressure.
Prefer email? info@onealinsurancegroup.com
James O’Neal
Licensed agent & broker · NPN 770576
- Our help costs you nothing
- We compare many carriers, not one
- A real person answers next year, too
What we can help you with
Every coverage type below is explained in plain language, with what it generally covers, what it does not, and how enrollment works.
Medicare basics
Parts A, B, C and D, what each one does, and when you can sign up without a penalty.
Read the overview →Medicare Advantage
All-in-one plans from private carriers, often with drug coverage and extras — and network rules.
See how Part C works →Medicare Supplement (Medigap)
Pays part of what Original Medicare leaves behind. Standardized letter plans, any Medicare doctor.
Compare Medigap →Part D drug plans
Prescription coverage, formularies, and the yearly out-of-pocket cap on covered drugs.
Check your prescriptions →Medicare & Medicaid together
If you have both, there are special plans and cost-sharing help you may be leaving on the table.
Dual-eligible options →Veterans & Medicare
How VA health care works alongside Medicare, and why most veterans still enroll in Part B.
For veterans →Also available: individual & family health, dental & vision, whole, term and universal life, critical illness, hospital indemnity, disability and long-term care. Call to ask about any of them.
How working with us goes
-
1
A real conversation
We ask about your doctors, your prescriptions, your travel, and your budget. Fifteen minutes on the phone, no forms first.
-
2
A side-by-side comparison
We check which plans your doctors accept, price your exact drug list, and show you the trade-offs in writing.
-
3
You decide — we handle the paperwork
If you enroll, we do the application with you and stay your point of contact for questions all year.
Talk with James directly
James O’Neal
Licensed agent & broker · O'Neal Insurance Group
- No cost for our help — ever
- Independent — many carriers, not one
- You keep the same agent next year
- Plain answers, no pressure to switch
Mon–Fri, 8am–6pm. Leave a message anytime.
Where we're licensed
Offices in North Las Vegas, Nevada and Chicago's Hyde Park, serving clients by phone and video across these states and Washington, D.C.
- Alabama
- Arizona
- Arkansas
- California
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nevada
- New Mexico
- New York
- North Carolina
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Washington, D.C.
- Wisconsin
Multiple carrier options
Insurance carriers we represent
We compare coverage from selected national and regional insurers. A logo-free text card is used when an approved carrier logo is not included with the website files.
Carrier and plan availability varies by state, county, ZIP code, eligibility, and product type. O’Neal Insurance Group does not represent every plan or carrier available in every service area.
Common questions
Medicare and insurance FAQs
When can Medicare coverage start?
For many people, Medicare begins around age 65. The exact effective date depends on when you enroll and whether you qualify through age, disability, or another circumstance.
How do I enroll in Medicare?
You generally enroll in Medicare through Social Security. You can apply online, by phone, or through a Social Security office. People receiving certain benefits may be enrolled automatically.
How old do I need to be for Medicare?
Most people first become eligible at age 65, although some people qualify earlier because of disability, end-stage renal disease, or ALS.
How much does Medicare cost?
Costs depend on your work history, income, coverage choices, prescriptions, and the plans available where you live. Part A may be premium-free for many people, while Part B generally has a monthly premium.
What is Medicare Part B?
Part B is the medical-insurance part of Original Medicare. It generally covers physician services, outpatient care, preventive services, durable medical equipment, and certain home health services, subject to Medicare rules.
What is Medicare Advantage?
Medicare Advantage, also called Part C, is an alternative way to receive Medicare-covered benefits through a private plan approved by Medicare. Networks, costs, benefits, and availability vary.