Illinois Original Medicare Plans

Are You a Current or New to Original Medicare Beneficiary and a Resident Living in Illinois?

Looking To Enroll In An Original Medicare Health Plan our Learn More about Your Options.

You are Free to Browse or Enroll Online. Right here on our Website where you can Compare or Select the Perfect 2020 Medicare Part C Advantage Plan, Supplemental or Part D Prescription Drug Plan.

Choose From Healthcare carriers like Aetna, Allwell, Cigna, Humana, Blue Cross Blue Shield of Illinois, UnitedHealthcare and Wellcare.

We can help you also get personalized dental, vision, burial and health insurance plan quotes that best match yours and your family’s specific needs.

Right now, there are more than 42 million over the age of 65 citizens living in the U.S., with more than 2 million residing in the state of Illinois.

Confused Need Help Understanding Your Health Insurance
Confused? Need help understanding your health insurance options?

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

While the improved quality and effectiveness of healthcare services have contributed to the longevity and health of the growing over 65 population, access to affordable healthcare services remains a challenge.

At the O’Neal Insurance Group, our objective is to help the people of Illinois’s counties, such as Kankakee, Cook, DuPage, Lake, and Will, and its municipalities, including Wheaton, Highland Park, Geneva, McHenry, Woodstock, Barrington, La Grange, Northbrook, Orland Park, Wilmette, Hinsdale, Lake Bluff, Kane, and Frankfort, compare different Medicare insurance plans and policy options and select the one that’s best suited for their healthcare and financial needs.

One of Chicagoland Metropolitan area Leading online Health Insurance Brokers for.

Aetna, Allwell, Ascension, Blue Cross Blue Shield, Cigna Medicare, Humana, UnitedHealthcare and WellCare, Medicare Part A, Part B, Part C and Part.

We simplify your access to better healthcare insurance choices

Medicare is one of the most popular federal healthcare insurance program available to people 65 years and older in Illinois. However, there are several healthcare costs that are not covered by original Medicare.

These include medical and hospital costs incurred overseas, hearing aids and other equipment costs, home nursing costs, dental examination and treatment costs and more. As a result, even those who are eligible for basic Medicare health insurance may choose a Medicare Supplemental Plan or a Medicare Advantage HMO or PPO plan to get the right coverage.

As one of the state’s and Chicagoland most online reputable Medicare Advantage and Supplement Insurance Broker Plan brokers, we have in-depth knowledge of the various plan options available, as well as factors that may influence the total cost of a plan.

Using this knowledge and years of experience, we help you select a policy that will provide comprehensive healthcare coverage and peace of mind that your needs will be taken care of in the case of an urgent medical condition.

For Illinois Kankakee County residents, our HMO and PPO Medicare Advantage health plans offer all the benefits covered under Original Medicare and more.

  • Many plans have no additional premium beyond your Medicare Part B premium.
  • For plans with a monthly premium, rates are not based on age, gender or health condition.
  • Most plans include Medicare Prescription Drug (Part D) coverage.
bcbs-medicare-advantage-hmo-ppo
We can help with Blue Cross Blue Shield, Humana, Aetna, Clear Spring Health and WellCare Medicare Advantage HMO and PPO plans and Medicare Prescription Drug (Part D) plans online.

To enroll in a plan, you must be eligible for Medicare Part A and continue to pay your Medicare Part B premium – unless your Part B premium is paid for by Medicaid or another third party.

There are different types of Medicare Advantage plans:

HMO

(HEALTH MAINTENANCE ORGANIZATION)

If you select an HMO plan, you must use a doctor within your network unless your plan includes a point-of-service (POS) option. In a POS option, members may go out-of-network to receive certain health care services. However, copayments and coinsurance will be higher for care received outside the plan’s network.

PPO

(PREFERRED PROVIDER ORGANIZATION)

A PPO usually has a higher monthly premium than an HMO, but it gives you greater flexibility when selecting a doctor. However, if you choose to use an out-of-network doctor you will have a higher out-of-pocket expense.

PFFS

(PRIVATE FEE FOR SERVICE)

PFFS plans give you the freedom to receive care from any Medicare-approved provider that agrees to accept the plan’s terms and conditions. Under a PFFS, you do not need a referral to see a specialist. A PFFS means you usually pay higher out-of-pocket costs, but you are not limited to a doctor network.

An Offering of Over 65 Types of Illinois Medicare Policies. 

We help Medicare-eligible individuals on disability as well, and we help those who are turning 65 compare the many different types of health plans. Our experts take their time to understand your needs, expectations, and preferences and recommend a solution that’s best suited for you.

When you choose to work with our licensed agent brokers, we take our time to help you understand all your medical options for:

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

O’Neal Insurance Group offers free in-home appointments for non-biased comparisons of plans provided by the following companies:

  • Aetna
  • Assurity Life Insurance Company
  • Blue Cross Blue Shield
  • Cigna-HealthSpring
  • Clear Spring Health
  • Guarantee Trust Life Insurance Company
  • Humana
  • Mutual of Omaha
  • SilverScript Pharmacy
  • UnitedHealthcare
  • WellCare

Why Choose Us as Your Chicago, Dental, Vision, Medicare Supplement and Medicare Advantage HMO or PPO Broker?

Our primary objective is to simplify access to the best carriers and help Medicare members in the counties and municipalities in Illinois listed below find the perfect solution for their healthcare needs.

  • Chicago, including the Edgewater, Lincoln Park, Lincoln Square, North Center, Edison Park, Logan Square, Portage Park, West Town, Beverly, Bridgeport, Hyde Park, and Near South Side neighborhoods.
  • Aurora, Rockford, Joliet, Kankakee, Naperville, Springfield, Peoria,
  • Elgin, Waukegan, Berwyn, Des Plaines, Evanston, Wheaton, Highland Park, Geneva, McHenry, Woodstock, Cicero, Arlington Heights, Bolingbrook, Barrington, La Grange, Northbrook, Orland Park, Wilmette, Hinsdale, Lake Bluff, Frankfort, Cook (County),
  • DuPage (County), Kane (County), Lake (County), Kankakee (County)
  • Will (County).

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, co-payments, co-insurance, and out-of-pocket limits. At O’Neal Insurance Group, we offer:

  • Excellent customer service from people who understand and respect your needs and expectations
  • A comprehensive range of health insurance plans offered by the most reputable insurance providers in the country
  • Comparisons of different insurance plans so you can select the one that’s best suited for your needs in a quick, simple and efficient manner

Major municipalities and counties around Chicago:

  • Aurora, Elgin, Waukegan, Joliet, Naperville, Berwyn, Arlington Heights, Des Plaines, Evanston, Wheaton, Kankakee, Cicero, 
  • Bolingbrook, Mount Prospect, Oak Lawn, Oak Park, Orland Park,
  • Palatine, Schaumburg, Skokie, Tinley Park, Will (County), DuPage (County), Kane (County), Lake (County), Kendall (County), Cook (County).

Choose a Plan That Suits You!

Selecting a Medicare health insurance plan is a complex decision that you will have to live with for quite a while. Make your decision wisely.

Whether you want basic coverage or you are looking for a comprehensive plan, O’Neal Insurance Group will make it simpler for you to find the best Medicare Advantage HMO or PPO and Prescription Drug (Part D) plans, according to your requirements. We will provide you with a comprehensive range of affordable health insurance products along with the tools and knowledge you need to make a wise decision.

Medicare can be confusing. Contact us for assistance from one of our Health Care Plan Brokers. We take the time to meet with you one-on-one in the privacy of your home or our office.

O’Neal Insurance Group Specializes In:

Medicare Health Insurance Carriers We Represent and are Authorized to Offer:

  • Assurity Life Insurance Company
  • Aetna
  • Allwell/Centene
  • Clear Spring Health
  • Blue Cross Blue Shield
  • Bright Health
  • Cigna Medicare/HealthSpring
  • Guarantee Trust Life Insurance Company
  • Humana
  • UnitedHealthcare
  • WellCare
  • Mutual of Omaha

States We Offer Free Online Help and Services In:

Illinois, Arizona, Indiana, Ohio, Michigan, Mississippi, Minnesota, Montana, New Mexico, and Texas.

Our Broker Agents will make your healthcare needs a priority and help you find a solution that will serve your healthcare needs in an affordable manner. Call us at 888-966-8579 to learn more about the different health insurance plans that we offer.

O’Neal Insurance Group is the d/b/a or assumed name of James O’Neal, who is a licensed Authorized to Offer insurance agent in Arizona, Illinois, Indiana, Michigan, Mississippi, Minnesota, Montana, New Mexico, and Texas. The agent is or may not be licensed to sell all products in every state. Services and product availability vary by state. As a sales agent, he may be compensated based on a consumer’s enrollment in a health plan. The 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 your information only. All quotes are estimates and are not final until consumer is enrolled.
  • Aetna
  • Allwell /Centene Ascension Complete
  • Anthem BCBS of Indiana
  • Bright Health
  • Blue Cross and Blue Shield of IL, (HCSC)
  • Blue Cross and Blue Shield of TX, (HCSC)
  • Cigna Medicare-Healthspring
  • Clearspring Health
  • Community Care Alliance of Illinois
  • GTL (Guarantee Trust Life Insurance Company)
  • Health Alliance
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Wellcare
  • Alabama
  • Arizona
  • Arkansas
  • Georgia
  • Illinois
  • Indiana
  • Louisiana
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • New Mexico
  • Ohio
  • Oregon
  • Tennessee
  • Texas
  • Wisconsin