Empowering smart health insurance choices

There are many reasons you may need assistance with Medicare insurance. Whether you are a senior or a person who receives Medicare for other reasons, we can help.

O’Neal Insurance Group is your Chicago, Illinois broker advocate for a wide range of carrier plans including Aetna, Anthem, AARP/UnitedHealthcare, Blue Cross Blue Shield, Humana and Mutual of Omaha.

We can help you identify Medicare plans that best meet your needs for primary care physicians, specialists, hospitals and prescription drug coverage. Count on us to help you understand options related to group pension retirement plans, Supplemental Medical Advantage HMO, PPO or Part-D prescription drug coverage.

Beyond Medicare, we can also help you with life, dental, burial and senior supplemental insurance.

Get started by completing the form below!

For Your


Medicare Senior Health Plans

Individual & Family

Critical Illness Insurance

New To Original Medicare Insurance Plans and Have Questions.

Senior Health Insurance Agency Medicare Advantage HMO PPO, Supplemental Plans, Blue Cross Blue Shield.

O’Neal Insurance Group we are a Chicago, Illinois Based Independent Advocate Broker Agency Helping Individuals Groups and Families in selecting  the best Medicare Advantage HMO PPO Plans Senior Supplemental Health Insurance Representing top Carriers Like: Aetna, Anthem, AARP/UnitedHealthcar, Blue Cross Blue Shield, Humana. 

Senior Annuity, Cancer, Stroke, Heart Attack, Medicare, Burial, Final Expense Funeral, Whole Life, Dental, Vision Options.  

Our Team of Agent/Broker are available to answer your Individuals under age 65 and aging into Medicare Needs. 

We assist our customers by taking an unbiased approach in presenting and answering their important and relevant questions regarding their individual concerns and needs such as: in network are out of network Primary Care Physician, Doctors Specialists Hospitals and Clinics or Group Pension Retirement like city of Chicago or Cook County. 

Turning 65 in This Year in January, February, March, April, May, June, July, August, September, October, November or December 2018 need help in choosing the right coverage.

    • What’s the difference between original Medicare and under 65  Health Insurance
      HMO’s, PPO’s ? or Medsupp, Medigaps, Supplemental Plan C, F, G, M or N?
    • Retired from the City of Chicago on pension plan. What are my option if I leaving the city Medicare group coverage.Why buy should I buy a Part D Prescription Drug Plans if I’m not taking any medication?
    • Which senior health plan carrier like AARP/United Healthcare, Blue Cross Blue Shield, Humana and Aetna offers the best no cost, zero premium coverage?
    • Why Should you join and pay for Medicare Part B?

What or who is a Medicare Special  Needs/Chronic Condition Plan for?

    • Should I join a Medicare Supplemental or a Medicare Advantage Plan like an HMO or PPO if I have Original Medicare or Group Coverage?
    • Is it free to fill a prescription under a Medicare Prescription Drug Plan (also known as Part D Coverage)?
    • How do I expand my original insurance coverage from part A to B, C, and D after I turned 65 in January, February, March, April, May, June, July, August, September, October, November or December 2018?
    • I have Social Security Disability and I was told I need to join Medicare to get health insurance. Can I keep my regular group insurance?

What kind of Medicare Help Can I Get for Turning 65 in January, February, March, April, May, June, July, August, September, October, November or December 2018.

Residents living in the State, cities and counties of Arizona, Indiana, Illinois, Ohio, Montana, Missouri, Michigan, Texas, New Mexico and Mississippi.

 Browse, Compare, and Select the Perfect Coverage online for You.

 Let us help you get a personalized quote that best matches your specific financial needs.

With advances in medical technology and healthcare services, people are living longer than ever.

Right now, there are over more than 42 million senior citizens living in the US, with more than 2 million residing in the state of Illinois.

While improved quality and effectiveness healthcare services has contributed to longevity and health of the elderly population, access to affordable healthcare services remains a challenge.

At O’Neal Insurance Group, our objective is to help people compare relevant and different plans and select the one that’s best suited for their healthcare and financial needs.

As a reputable Medicare insurance broker in Illinois, Arizona, Indiana, Ohio, Montana, Missouri, Michigan, Texas, New Mexico and Mississippi for over 30 years, we have in-depth knowledge of the various plans available, as well as different factors that may influence the total cost of a policy.

Using this knowledge and experience, we help you select a plan that provides you comprehensive coverage, as well as peace of mind that your needs will be taken care of in case of an emergency health condition.

Medicare is the most popular federal health program available to people aged 65 years and older in America. However, there are a number of costs that are not covered by basic original Medicare coverage.

These include the medical and hospital costs incurred overseas, costs of hearing aids and other equipment, home nursing costs, cost of dental examination and treatment, and more.

As a result, even those who are eligible for basic Medicare health insurance may require Medicare Supplemental or Medicare Advantage Plans HMO or PPO in order to get comprehensive coverage.

We offer you a comparison of plans provided by the following companies:

AARP/UHC, Aetna, Assurity Life Insurance Company, Blue Cross/Blue Shield, Cigna Healthspring, Guarantee Trust Life Insurance Company, Humana, Legacy Safeguard, Mutual of Omaha, Nationwide Insurance, United Health One, United Healthcare and Wellcare.

we work with and help individuals, families, and those who are eligible for Medicare, research and compare different types of life, dental & health insurance plans.

 Our experts take their time to understand your needs, expectations, and preferences and recommend you a solution that’s best suited for you.

we help you understand and compare the following health insurance plans:

Original Medicare Part A and Part B Medicare Advantage Plans or Medicare Part C, including HMO, PPO, PFFS, SNP, HMP-POS, and MSA Medicare Supplement Plans — There are 10 different Medigap coverage plans labeled as A, B, C, D, E, F, G, K, L, M, and N

Medicare Part D or Medicare Prescription Drug Plan

Why Choose O’Neal Insurance Group as Your Preferred Dental, Life, Senior Health Insurance Broker?

Our primary objective is to simplify access to the best health insurance plans and help the elderly people find the perfect solution for their healthcare needs. Unlike other health insurance brokers, we do not simply suffice on comparing different insurance plans and helping you select the right one.

Instead, our focus is to empower you with the knowledge you need to make the right choice.

For this purpose, we help you understand the technicalities associated with the process of comparing and selecting a health insurance plan, such as premiums, deductibles, copayments, co-insurance, out-of-pocket limits, etc.

Excellent customer service from people who understand and respect your needs and expectations.

Comprehensive range of plans offered by the most reputable insurance providers in the country Compare different coverage and select the one that’s best suited for your needs in a quick, simple, and efficient manner Choose a Plan That Suits YOU!

Selecting the right protection can be a Complex Decision That You Will Have to Live With for Quite a While. We can assist you in Making Your Choice Wisely.

 Whether you want basic coverage, or you are looking for very comprehensive, we make is simpler for you to find the best protection according to your requirements.

We will provide you with a comprehensive range of affordable options along with the tools and knowledge you need to make a wise decision.

We will make your needs a priority and help you find a solution that will best serve all your needs in an affordable manner. Call us at 1-773-358-7168 to learn more about the different protection that we offer.

Our Health Insurance licensed agents and brokers offer free advice in the following states.

For More Information and Coverage Options Please Visit us at 5113 S. Harper Ave Chicago, IL 60615 Phone: 773-358-7168  Our Services and Resources Page or Medicare.gov.

Blue Cross Blue Shield of Illinois Chicago, Medicare Advantage HMO PPO Plans, Part D Prescription Drug Plans, Med sup, Medigap Medicare Supplements cook, kane, Kankakee, will, dupage, lake county IL.

Buy Online Relevant Individual and Family Final Expense and Burial Protection.

The death of a loved one should not cause a family more grief than they can bear… and the financial expenses accrued burying a loved one should be reduced to the barest minimum to help the deceased’s family deal with the loss in peace.

The O’Neal Insurance Group Offers our client/members the ability to shop for their Personal Medicare, Life, Health and Dental online screen share, in person or by phone, providing comparisons of some of the country’s top carriers from the comforts and privacy of your home, online screen share or over the phone.

One of the best ways to give your loved one’s peace of mind and help them deal with the grief of your passing away is to ensure that the burden and expenses that come with carrying out the final rites are lightened to the barest minimum.

Cash value Whole life insurance, Final Expense, Burial Plans as well as Cancer Stroke Heart Attack End Stage Renal Disease Policy help you give your loved ones a parting gift that will empower them to give you the final rites of your dreams without leaving a gaping hole in their pockets.

They provide guaranteed permanent coverage high limits and gives your beneficiary enough to take care of your burial expense and some more to spend on medical bills, that may have been racked up in the final moments.

Final Expense, Burial Plans, Cancer Stroke Heart Attack End Stage Renal Disease Policy help do not necessarily have to be spent on these things; the beneficiary is also allowed to use the money as deemed fit.

The most important thing is to ensure that their financial needs during that period are taken care of as much as possible.

Depending on what your need, you can find a variety of guaranteed permanent coverage from the best insurance companies that can comfortably suit your needs and budgets. Payments can be made annually or monthly depending on your preference.

Guaranteed Permanent Coverage Cash Value Whole and Universal Life Insurance

Universal Life is exactly what it sounds like; it provides lifetime cover for you and designed in such way to allow flexibility in revision of premiums and coverage amounts as your needs change and evolve over time.

Universal Life Plans and Policies allow cash dividends to grow over time in a cash value account and it allows beneficiaries to make loan withdrawals from this account (against the amount available in your policy) up to a certain limit.

Your withdrawals can be used for anything from augmenting your tuition payments to making additional payments into your retirement savings.

Whole Life Insurance

Whole Life protects you by providing insurance cover throughout your lifetime and gives your beneficiary to get your death benefits in the eventuality of your passing on.

Whole Life requires that intended policy holder remits certain fixed amount or premiums at regular intervals (monthly or yearly) over the span of the holder’s lifetime.

As a policy holder, the Whole Life enables you to have quick access to funds – whether in an emergency or when an opportunity arises.

This policy allows you to cater to various needs even after you are gone (funeral expenses, funding for your’ spouse husband or wife, grandkids, children’s education, mortgage payments, debt payments, debt servicing, estate administration costs, estate inheritance taxes, funding for business continuity, funding of charitable bequests and so much more)

We also work with Individual under 65and offer Aetna, AARP/UHC, Blue Cross Blue Shield, Cigna Healthspring, Humana, Wellcare Plans, Cancer Stroke ESRD and Heart Attacks Policy Universal Life, Whole Life, Burial and Final Expense Policy, Health Policies and Annuities.

What Factors determine the Best Life Coverage for You?

You make the decision based on your

  • Need
  • Income
  • Health
  • Age
  • Gender
  • State of residence
Want to Know More?

To help you make a well-informed choice, we provide you a single platform for you to compare policies and rates from different insurance providers so that you can choose the one that best suits your needs and budget.

We are License Registered and Certified Specializing in individuals Turning 65 needing help understanding their Medicare insurance options. Non-bias Advocate working with you in selecting your Primary Care Physician, Doctors Specialists Hospitals and Clinics whether you are choosing a Group Pension Retirement like city of Chicago or Cook County Medicare Advantage Plans offered in person or online.

The O’Neal Insurance Group Offers our client/members the ability to shop for their Personal Medicare, Life, Health and Dental Insurance plans online, in person or by phone, providing comparisons of some of the country’s top carriers from the comforts and privacy of your home online or over the phone.

To learn more, you may contact us locally at 1-773-358-7168 or toll free @ 1-888-966-8579

O’Neal Insurance Group is the d/b/a or assumed name of James O’Neal, who is a licensed insurance agent in Arizona, Illinois, Indiana, Michigan, Mississippi, Missouri, Montana, New Mexico and Texas. He may not be licensed to sell all products in every state. Service and product availability varies by state. As a Sales agent, he may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Any quoting tool on our website is provided for informational purposes only. All quotes are estimates and are not final until the consumer is enrolled. Insurance Carriers We represent the following: Assurity Life Insurance Company Aetna AARP/UHC Anthem Blue Cross/ Blue Shield of Illinois Texas Cigna Healthspring Guarantee Trust Life Insurance Company Humana UnitedOne Wellcare Mutual of Omaha Nationwide Insurance Legacy safeguard whole life Burial Final expense.