Buy online Original Medicare Health Insurance Coverage for over-65 Right on this website like a Humana Medicare Advantage Plans HMO or PPO Policy.

Shop and Buy Illinois 2020 Medicare Advantage Plans HMO – PPO Part C.

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.
Medicare Advantage Plans HMO - PPO Part C Arizona, Illinois, Indiana, Michigan, Ohio, Montana, Missouri, Mississippi, Minnesota, New Mexico, Oregon and Texas.
Need Help with Blue Cross Blue Shield/BCBS, Humana, Clear Spring Health IL, Aetna, Wellcare or original Medicare or Part C coverage, medicare advantage HMO PPO part d, prescription drug plans give us a call, we can help.

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:



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.



A PPO usually has a higher monthly premium than an HMO, but you have 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 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.

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

Major municipalities and counties around Chicago IL:

  • Aurora, Elgin, Waukegan, Joliet, Naperville, 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) and Cook (County)

O’Neal Insurance Group Specializes In:

Compare 2020 Medicare Advantage HMO and PPO plans, Guaranteed Issue Life Insurance plans, Medicare Supplement (Medigap) plans and Medicare Prescription Drug (Part D) plan online.

States In Which We Also Offer Medicare Advantage Health Plan Coverage:

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

Medicare and Individual Insurance Carriers We Represent:

  • Aetna
  • Allwell /Centene
  • Anthem BCBS of Indiana
  • Bright Health
  • Blue Cross and Blue Shield of IL, (HCSC)
  • Cigna Medicare-Healthspring
  • Clearspring Health
  • Community Care Alliance of Illinois
  • GTL (Guarantee Trust Life Insurance Company)
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Wellcare