Medicare Advantage Plans Made Simple
Choosing the right Medicare plan affects your health, finances, and peace of mind. At O’Neal Insurance Group, our licensed brokers help you understand your Medicare choices and find the best plan for your needs, including Medicare Advantage coverage. Whether you’re new to Medicare or reviewing your current plan, we’re here to help every step of the way.
- Low premiums and comprehensive Medicare benefits
- Options for dental, vision coverage, and prescriptions
- Nationwide provider networks and service areas
- Easy enrollment process
What Are Medicare Advantage Plans?
Medicare Advantage plans, also called Part C, are federal health insurance for people age 65 and older. They also cover some individuals with disabilities. The Medicare program has multiple parts:
Medicare Part A covers inpatient hospital stays, skilled nursing care, and some home health services. Part B covers doctor visits, preventive services, and outpatient care. Part C, or Medicare Advantage Plans, is offered by private companies like Humana Medicare. These companies work with Medicare to provide all your Part A and Part B benefits. Part D provides drug coverage. Medigap helps pay for costs not covered by original Medicare, such as deductibles and copayments.
You can learn more about traditional Medicare coverage through our detailed plan pages.
Types of Medicare Health Plans
Many people choose Medicare Advantage plans, including PPO options. These plans may offer additional benefits, such as dental, vision, and hearing coverage, as well as wellness programs. Private companies that contract with Medicare, such as Humana Medicare plans, administer these plans and often include Part D coverage.
If you want to keep original Medicare, you might benefit from adding a Medicare Supplement plan for supplemental coverage. This can help lower your out-of-pocket costs. Prescription drug needs can also be met by enrolling in Part D plans.
Why Work with a Medicare Broker?
Instead of figuring out Medicare alone, let a licensed broker from O’Neal Insurance Group help you. Our team:
- Offers unbiased plan comparisons across multiple insurance companies, including Humana Medicare plans
- Helps you understand the parts of Medicare and what each one covers
- Ensures your plan includes the primary care physicians, hospitals, and pharmacies you prefer
- Assists with enrollment, renewals, and plan changes during Medicare open enrollment
We help you review all options, including the best Medicare Advantage Part C plans. This way, you can get the right health care coverage within your service area.
Get Help Comparing Medicare Advantage Plans
At O’Neal Insurance Group, we work for you, not the insurance carriers. Our advisors explain how Medicare works and help you find the best Medicare Advantage plan for your needs, taking into account factors such as cost and premiums.
We also offer support for other essential coverage options, such as individual and family health insurance and dental plans.
Frequently Asked Questions About Medicare Plans
What is the difference between Original Medicare and Medicare Advantage? The federal government runs Original Medicare as a government-run healthcare system. This includes Parts A and B. Medicare Advantage (Part C) is provided by Medicare-approved private insurance companies, such as Humana Medicare. It often includes extra benefits such as dental, vision, and prescription drug coverage.
Do I need a Medicare Supplement if I have Medicare Advantage? No, you can’t use Medigap with a Medicare Advantage plan. Medigap is only for use with original Medicare to cover costs like deductibles and copayments.
When can I enroll in a Medicare Advantage plan? You can sign up during your Initial Enrollment Period when you first become eligible. You can also enroll during the Annual Enrollment Period, which is from October 15 to December 7. This is also known as the open enrollment period. If you qualify, you may enroll during a special enrollment period.
Can a broker help me compare Medicare Advantage plans? Yes. Our licensed Medicare brokers can help you look at all available plan types, including PPO options. They will find the one that best fits your healthcare needs, budget, and preferred service area.
Ready to Compare?
Ready to compare Medicare Advantage plans? Speak with a licensed broker today or schedule a free consultation. We serve clients in Nevada, Illinois, Mississippi, and beyond. Let us help you get the most out of your Medicare coverage, including finding plans with the right monthly premium, out-of-pocket limit, and covered services to meet your needs.
Our team can guide you through the complexities of Medicare, helping you understand everything from hospital services covered under Part A to the details of Part B and Part D. We’ll help you navigate your options, whether you’re looking for original Medicare, Medicare Advantage, or supplemental coverage to help with healthcare costs.
Remember, choosing the right Medicare plan is crucial for managing your healthcare costs and ensuring you have access to the providers you need. Whether you’re concerned about your monthly premium, out-of-pocket limit, or specific coverage for your primary care physician, we’re here to help you make an informed decision.
Don’t let the Medicare system overwhelm you. With O’Neal Insurance Group, you have a partner to guide you through the process, explain your options, and help you find the best Medicare plan for your unique situation. Contact us today to start your journey towards comprehensive, affordable Medicare coverage.
Find Out More About Medicare Plans in Your Area
O’Neal Insurance Group States That We are a Licensed Independent Agent-Broker for Medicare Advantage Health Insurance Plans.
Some of the Medicare States and Residents We Serve Dually Eligible Beneficiaries are Eligible for Both Medicare and Medicaid C-SNP, D-SNP, Medicare Part B Giveback Plans, New Medicare beneficiaries, and Veterans who may also have V.A. and Tricare Health Insurance for military retirees.
O’Neal Insurance Group Medicare Advantage Plan Insurance Carriers.
Aetna, Alignment Health Plan, Anthem, Banner Health, BlueCross BlueShield of Illinois, Cigna Health Spring, Clover Health, Devoted Health, Essence HealthCare, Gerber Life Insurance, Guarantee Trust Life Insurance Company, Humana, Kelsey Care Advantage, Medico (Wellabe) Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, United Healthcare, Wellcare and Zing Health.
My Las Vegas Medicare Advantage Plan Carriers.
Aetna, Alignment Health Plan, Anthem, Cigna Health Spring, Globe Life, Gerber, Guarantee Trust Life Insurance Company, Humana, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, AARP United Healthcare, and Wellcare.
O’Neal Insurance Group MEDICARE SUPPLEMENT CARRIERS.
Globe Life, United American, Medico, Wellabe, Aetna, Anthem, BlueCross BlueShield of Illinois, Essence HealthCare, Humana, Mutual of Omaha, Physicians Mutual, and AARP United Healthcare.
Other Local Cities, Medicare States, and Residents Dually Eligible Beneficiaries are Eligible for Both Medicare and Medicaid. We Serve!
Humana North Las Vegas, Henderson, Summerlin, Paradise, Nevada Las Vegas, Jackson Hattiesburg Petal Gulfport Laurel Gulfport Biloxi Pascagoula Ocean Springs Moss Point Mississippi, Mobile Birmingham Alabama, Phoenix, Scottsdale, Mesa, Tempe, Chandler, Glendale, Gilbert Arizona, Oakland, Los Angeles, San Diego, California, Oak Park Naperville Schaumburg Skokie Oaklawn Evergreen Park Joliet Kankakee Hyde Park Bolingbrook Chicago Illinois, New Orleans Louisiana, Baton Rouge, Shreveport, Metairie, Lafayette, Lak Charles, Kenner, Bossier City, Monroe, Alexandria, Tallulah, Indianapolis, Fort Wayne, Evansville, Fishers, South Bend, Carmel, Bloomington, Hammond, Gary, Muncie, Schererville, Michigan City, Valparaiso, Crown Point, Merrillville, Danville, Chesterton, Griffith, Schererville, Indiana, Tampa Jacksonville Daytona Beach Pensacola Fort Lauderdale Miami Tallahassee Florida, Atlanta, Sandy Springs–Roswell, Augusta, Savannah, Columbus, Macon, Athens, Gainesville, Warner Robins, Valdosta, Dalton, Albany, Brunswick, Rome, and Hinesville Georgia, Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Laredo, Irving, Garland, Frisco, McKinney, Amarillo, Grand Prairie, Brownsville, Killeen, Denton, Texas, Nevada, North Carolina, Ohio, Carolina, Tennessee, Utah, Virginia, Washington, D.C., District of Columbia, Michigan, Little Rock Arkansas, and Wisconsin.
The best Medicare Supplement (Medigap) and (MedSup) plans are generally considered to be Plan G, Plan N, and Plan F (if eligible), with Aflac, Banker’s Fidelity, Globe Life, GTL, United American, Medico, NCD Dental Insurance, Wellabe, National General / Allstate, Aetna, Anthem, BlueCross BlueShield of Illinois, Essence HealthCare, Humana, Healthspring, Heartland National Life, Mutual of Omaha, Physicians Mutual, WPS Wisconsin Physicians Service, and AARP United Healthcare leading as top providers.
Plan G is the top choice for comprehensive coverage for new enrollees, while Plan N offers lower premiums with some cost-sharing.
Top Recommended Medigap Plans
Plan G: The premier plan for new beneficiaries, covering all out-of-pocket Medicare costs except the Part B deductible.
Plan N: Best for lower premiums, requiring copays for office/ER visits and not covering Part B excess charges.
Plan F: The most comprehensive plan, but only available to those eligible for Medicare before January 1, 2020.
Top-Rated Medigap Insurance Companies
Best Overall/Reputation: AARP/UnitedHealthcare.
Best for Rates & Stability: Mutual of Omaha, Cigna, and State Farm.
Best for Diverse Options: Blue Cross Blue Shield and Humana.
Key Considerations
Standardization: Plans are standardized, meaning a Plan G from one company has the same benefits as another; only premiums and service differ.
Enrollment: The best time to buy is during the 6-month Medigap Open Enrollment period, when companies cannot deny coverage due to pre-existing conditions.
Alternative: If Plan G premiums are too high, Plan N is a popular, more affordable option.
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SSBCI Benefits: 2026 Updates
Medicare Special Supplemental Benefits for the Chronically Ill (SSBCI). Hi, I am James O’Neal, a Medicare broker agent with O’Neal Insurance Group. I can provide some updates on how these benefits are evolving in 2026:
For 2026, approximately 12% of Medicare Advantage plans and 87% of Special Needs Plans (SNPs) are expected to include at least one SSBCI offering.
Specific SSBCI Benefits Available
The Centers for Medicare and Medicaid Services has confirmed that eligible grocery services through SSBCI can include:
Healthy produce
Healthy frozen foods
Healthy canned goods
Other SSBCI benefits include:
Air purifiers
Pest control services
Pet food
Grocery shopping services
In-home living support services
Eligibility Requirements
Having at least one serious chronic condition that impacts health or function
Being at high risk for hospitalization.
Needing coordinated care management finance.
