Illinois Medicare Advantage Plans

Are You a Resident of Illinois?

You Can Browse, Compare and Select the Perfect 2019 Aetna, Humana, Clear Spring Health and Blue Cross Blue Shield Illinois Medicare Health Plan.

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

Right now, there are more than 42 million senior 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 senior healthcare services has contributed to the longevity and health of the senior 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.

A Leading Blue Cross Blue Shield, Humana, Aetna, WellCare, Clear Spring Health Medicare Supplement Insurance Broker

Let us simplify access to better senior healthcare insurance choices

Medicare is the most popular federal health 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 reputable Medicare Advantage 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 Kankakee Illinois residents, our 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 a 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 a 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:

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

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

Our primary objective is to simplify access to the best carriers and help seniors 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 Senior Health Plan Specialists. 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:

Authorized to Offer Insurance Carriers We Represent:

  • Assurity Life Insurance Company
  • Aetna
  • Clear Spring Health
  • Blue Cross Blue Shield
  • Cigna-HealthSpring
  • Guarantee Trust Life Insurance Company
  • Humana
  • United Healthcare
  • WellCare
  • Mutual of Omaha
  • UnitedHealthOne
  • Nationwide Insurance.

States We Offer 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. 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. 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.
Medicare Supplemental Online Quote.