Michigan Medicare Insurance Broker – Health Plans & Supplement Information

Finding the Right Michigan Medicare Advantage (Part C) Plan or Medicare Prescription Drug (Part D) Plan Can Seem Confusing. We are Here To Help! 

Looking for convenience online and all-in-one coverage?

Let O’Neal Insurance Group help you choose the right Michigan Medicare health insurance plan that will offer you the most comprehensive coverage at an affordable cost.

Michigan Medicare Medicare Advantage Plans and Prescription Drug Coverage.

Are you retiring or leaving group coverage? Did you just become eligible or are new to Medicare? Maybe you are already enrolled in Original Medicare Part A and Part B, but are looking for broader coverage?

Understanding Medicare Part A, B, C, D

Confused? Need help understanding Medicare Part A, B, C or D?

Regardless of your knowledge of different supplemental insurance plan options, it is important for you to work with a reputable broker in the great state of Michigan to make a well-informed decision on how to cover your senior health needs for the rest of your life.

Broker Agents at O’Neal Insurance Group understand that shopping online and comparing your own medical insurance options can be difficult.

We offer a comprehensive range of senior Medicare Prescription Drug plans and health insurance products in order to find the right coverage for residents’ healthcare and financial needs in Michigan’s cities and towns, including:

  • Detroit
  • Grand Rapids
  • Warren
  • Sterling Heights
  • Lansing
  • Ann Arbor
  • Flint
  • Dearborn
  • Livonia
  • Westland

 We offer you the information and advice you need to make the right choice.

We leverage our knowledge and experience of the senior Medicare health insurance industry to help you find a plan that covers your basic and emergency healthcare needs.

Questions? Turning 65? Need Medicare? Confused? We Have Answers!

 These are just a sample of questions we have answered from Medicare beneficiaries:

  • I have Social Security Disability and I was told I need to join Medicare to get health insurance. Is this true?
  • Can I just keep my regular healthcare insurance?
  • What kind of Medicare help do I get for turning 65 – also known as the time of aging into Medicare? This seems very confusing.
  • What’s the difference between a hospital indemnity policy and a Medigap or Medicare Supplement policy?
  • Can you still get state Medicaid insurance if you turn 65 and are on Medicare?
  • Does Blue Cross Blue Shield have the best Medicare Advantage HMO or PPO plans? Or does Humana?
  • Which cities, towns, counties or states offer Blue Cross Blue Shield Medicare Advantage PPO plans?
  • When and how do I get Medicare Prescription Drug coverage if I’m on a Blue Cross Blue Shield Medigap C, F, G, M or N plan?
  • I have been told Medigap Plan F is the best and everyone should join that one. Is this True?
  • Do I need prescription drug coverage if I am under 65 and not taking any medication?
  • Is Medicare Prescription Drug coverage different from regular drug plans?
  • How much do Medicare Prescription Drug plans cost? Is there a penalty if I don’t join? If so, how long do I have to pay the penalty?

Choosing Which Medicare Plan is the Right Choice for You.

Being a senior residing in the state of Michigan and living in cities like Detroit, Grand Rapids, Warren, Sterling Heights, Lansing, Ann Arbor, Flint, Dearborn, Livonia and Westland, you are provided with a range of confusing and overwhelming Medicare information plans, policies and options to choose from. From Original Medicare Part A and Part B, which cover hospital and medical costs, to Medicare Supplement and Medicare Advantage plans, there are several options to consider.

For a review of all the options to help you get started with the process of selecting the right senior Medicare option, please call us at 888-966-8579.

  • Original Medicare Part A and Part B

    — Original Medicare Part A and B are basic health plans available to those who are 65 or older. Medicare Part A covers hospital costs, while Medicare Part B provides coverage for outpatient care. Another difference between the two is that Medicare Part A is free for those who are eligible for the plan, while Medicare Part B requires you to pay an annual premium equivalent to $180.

  • Medicare Advantage (Part C)

    — Medicare Advantage plans allow private health insurance companies to offer you the same coverage provided by Original Medicare health plans, along with some additional benefits, such as coverage for prescription costs and dental and eye exams. These plans offer you greater convenience by combining coverage for hospital stays, outpatient care costs and prescription costs. However, it is important to understand that opting for a Medicare Advantage plan requires you to go to providers who are part of the plan’s network.

  • Medicare Prescription Drug (Part D)

    — If your primary health insurance plan does not cover the cost of prescription drugs, Medicare Prescription Drug coverage will be the right choice for you. Since each Medicare Part D plan has its own formulary or list of drugs that are covered, it is important to know whether or not the medicines you take will be covered under the plan you choose.

  • Medicare Supplement

    — Medicare Supplement plans cover the out-of-pocket costs not covered under the Original Medicare health plans. Also, since these plans do not have any network restrictions, you can visit the healthcare provider of your choice to get quality care.

Licensed, Professional Health Insurance Advice You Can Depend On.

When it comes to enrolling in Medicare Supplement health plans, like HMO and PPO, and enrolling in Medicare Prescription Drug plans, timing matters.

When you turn 65, you become eligible for Medicare and can enroll in a plan you find most suitable. But if you wait too long, you may have fewer choices available and you may end up paying more. Therefore, we recommend our customers be proactive in order to find a Medicare plan that offers the best coverage and options at the most reasonable cost.

If you have just become eligible for Medicare Advantage, or are considering opting for a Humana, Blue Cross Blue Shield, Aetna or UHC Medicare Supplement plan, such as C, F, G, M or N, we can help!

We work with the following reputable health insurance companies to Authorized to Offer you an array of health insurance products:

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

At O’Neal Insurance Group, we are here to help you navigate the road to Medicare. Let us help you browse and compare the best health plans and choose the one that suits you best. To learn more, please call us at 888-966-8579.

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 Instant Online Quote.