Medigap, Medicare Advantage Plans Made Simple For Las Vegas, Nevada
Agency owner and broker agent James O’Neal’s priority is helping Medicare beneficiaries find the best coverage to protect what matters most in life.
As an Independent agency, I work with a wide variety of top carriers to help you find the best coverage to suit your exact situation.
For 2026, the following companies are available: Aetna, Alignment Health Plan, Anthem, Cigna, Humana, Molina Healthcare, Mutual of Omaha, Physicians Mutual, SCAN Health Plan, Select Health, and UnitedHealthcare.
No matter your insurance needs, we can help you find the perfect policy to give you peace of mind without breaking the bank. Contact us for a quote today!
Choosing the right Medicare plan is a crucial decision that impacts your health, finances, and overall well-being. At O’Neal Insurance Group, our licensed brokers help you understand your options. They will find the best coverage for your needs. 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 benefits
- Options for dental, vision, and prescriptions
- Las Vegas provider networks
- Easy enrollment process
What Are Medicare Plans?
Medicare plans are federal health insurance for people age 65 and older. They also cover some individuals with disabilities. The program is made up of multiple parts:
- Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing care, and some home health services.
- Part B (Medical Insurance) covers doctor visits, preventive services, and outpatient care.
- Part C, also known as Medicare Advantage Plans, is offered by private companies. These companies work with Medicare to provide all your Part A and Part B benefits.
- Part D provides prescription drug coverage.
- Medigap (Medicare Supplement Insurance) helps pay for costs not covered by Original Medicare, such as deductibles and coinsurance.
- Medicare Supplement Insurance, commonly known as Medigap, refers to standardized policies sold by private companies to help cover the “gaps” in Original Medicare (Parts A and B) coverage, such as copayments, coinsurance, and deductibles.
You can learn more about Medicare Part A and Medicare Part B coverage through our detailed plan pages.
Types of Medicare Health Plans
Many people choose Medicare Advantage plans. These plans may offer additional benefits, such as dental, vision, hearing, and wellness programs. Private companies that contract with Medicare 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. This can help lower your out-of-pocket costs. Prescription drug needs can also be met by enrolling in a Part D plan.
Why Work with a Medicare Broker?
Instead of figuring out Medicare by yourself, let a licensed broker from O’Neal Insurance Group help you. Our team:
- Offers unbiased plan comparisons across multiple insurance companies
- Helps you understand the parts of Medicare and what each one covers
- Ensures your plan includes the doctors, hospitals, and pharmacies you prefer
- Assists with enrollment, renewals, and plan changes
We help you look at all options, including Medicare Advantage Part C. This way, you can get the right health care coverage.
Get Help Comparing Medicare Plans
At O’Neal Insurance Group, we work for you, not the insurance carriers. Our advisors explain how Medicare works. They help you find the best Medicare plan for your needs.
We also offer support with other essential coverage options, individual and family health insurance, as well as dental plans.
Frequently Asked Questions About Medicare Plans
What is the difference between Original Medicare and Medicare Advantage?
The federal government runs Original Medicare. This includes Part A and Part B. Medicare Advantage, also known as Part C, is provided by private insurance companies. It often comes with additional benefits, such as dental, vision, and prescription drug coverage.
Do I need a Medicare Supplement plan if I have a Medicare Advantage plan?
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 coinsurance.
When can I enroll in a Medicare 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. If you qualify, you may enroll during special enrollment periods.
Can a broker assist me in comparing Medicare plans?
Yes. Our local, licensed, and certified Medicare health insurance brokers can help you review all available plan types. They will find the one that best fits your healthcare and budget needs.
Critical illness insurance is a type of supplemental insurance that pays a lump-sum benefit directly to you upon diagnosis of a covered critical illness, such as a heart attack, stroke, or cancer. This money can be used for any purpose, including medical expenses like deductibles and co-pays, non-medical costs like lost wages, and recovery-related expenses. It is designed to complement, not replace, your primary health insurance.
Ready to Compare?
Ready to compare Medicare plans? Speak with a licensed broker today or schedule a free consultation. We proudly serve clients in Las Vegas, Henderson, North Las Vegas, Southwest Las Vegas, Summerlin, and Nevada. 89030, 89031, 89032, 89081, 89084, 89085, 89086, 89087, 89115, 89084, 89084, 89084, 89084, 89084, 89081, 89084, 89084, 89084,89031, Comparing your 2026 Aetna, Anthem, Healthspring, Humana, United Healthcare Medicare health insurance plan options Aetna, Alignment Health Plan, Anthem, Cigna, Humana, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, and United Healthcare. Let us help you maximize your 2026 Medicare coverage.
