Straight answers
Frequently asked questions
Plain-language answers about costs, Medicare affiliation, plan availability, appointments, enrollment timing, veterans, Medicaid, and agent compensation.
Does it cost anything to work with O'Neal Insurance Group?
You do not pay an additional fee for the agency's guidance. Agents may be compensated by insurance carriers when an enrollment occurs.
Is O'Neal Insurance Group connected with the federal Medicare program?
No. O'Neal Insurance Group is an independent Medicare Plan insurance agency and is not connected with or endorsed by the federal Medicare program.
Does the agency offer every plan available?
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.
What information should I have ready?
Bring your Medicare card if enrolled, medication list, preferred pharmacies, doctors and hospitals, ZIP code, budget questions, and any notices you want help understanding.
Can I receive help by telephone or online?
Yes. Guidance is available by telephone and through an online screen-sharing appointment on a phone, tablet, laptop, or desktop.
Can the agency compare my doctors and prescriptions?
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.
When can I enroll in Medicare?
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.
What is the difference between Medicare Advantage and Medigap?
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.
Can veterans use Medicare with VA or TRICARE coverage?
Often, but the programs are separate and coordination depends on the benefit. Contact the VA or TRICARE for individual eligibility guidance before changing coverage.
What is a dual-eligible plan?
A D-SNP is a type of Medicare Advantage Special Needs Plan for people who meet both Medicare and Medicaid eligibility requirements.
Which states does the agency serve?
The agency lists 30 states and Washington, D.C. Licensing does not mean every plan, product, or carrier is available in every jurisdiction.
How is an independent insurance agent compensated?
Insurance carriers may pay agents when an eligible enrollment occurs. Consumers do not pay an additional fee for the agency's guidance.
Personal guidance · No additional fee