Original Medicare is coverage managed by the federal government. Generally, there’s a cost for each service.

A Glance at the Original Medicare Health Insurance:

Medicare is one of the oldest federal health insurance programs available to new Medicare beneficiaries and individuals with disabilities. 

By November 2018, more than a million residents of Illinois had enrolled in original Medicare. This accounted for at least 21% of the state’s population, and the numbers have kept growing since then.

1/3 of the Medicare members have opted for Part D prescription coverage.

Depending on the county, Alabama residents can choose between 7 and 31 Medicare plans.

Members under 65 aren’t required to enroll in Medigap (Medicare Supplement).

These numbers indicate that Medicare is one of the most popular health plans. 

Not only does it give residents medical security, but it also provides them with a versatile range of options to choose from.

However, this can get confusing for anyone signing up for a health plan for the first time. We’ve decided to break down the essential elements of Original Medicare Health Plans to make things easier for you.

Medicare Part C (Medicare Advantage) plans are another way to get all of your Medicare Part A, Part B and Part D prescription drugs coverage in one plan.

Are you on Medicare and looking for a Medicare Advantage plan that covers medical expenses and has extra benefits?

At the O’Neal Insurance Group, you have access to our team of state-licensed and knowledgeable independent insurance brokers who can help you enroll in a Medicare Advantage plan or self-enroll right from our site 24/7.

Our online enrollment and quoting platform allows you to compare plans that will meet or exceed your needs to choose the one that is right for you.

Our state-licensed Medicare health insurance brokers are always there for you to help and make sure nothing goes wrong while you are comparing or enrolling into a Medicare Advantage plan in your state!

Medicare Advantage plans may offer some, if not all, of the extra benefits listed below:

- Dental

- Vision

- Hearing

- Fitness

- Part B Giveback

- OTC Drug Coverage

- Transportation

Types of Medicare Advantage Plans

O’Neal Insurance Group offers you a wide selection of Medicare Advantage plans that cover your healthcare needs, including:

- Health Maintenance Organization (HMO) Plans

- Preferred Provider Organization (PPO) Plans

- Private Fee-for-Service (PFFS) Plans

- Health Maintenance Organization Point of Service (HMO POS) Plans

- Medicare Medical Savings Account (MSA) Plans

- Special Needs Plans (SNPs)

Medicare Advantage plans and carriers have even more to offer. Because they are committed to meeting the needs of you the customers, many also offer extra benefits.

Diagnosed with End-Stage Renal Disease (ESRD) and Have Enrollment Concerns?

Are you having trouble finding out if you can get Medicare coverage for this condition? No need to panic. O’Neal Insurance Group will help you through all of life’s challenges.

Reasons to Consider Working with An O’Neal Insurance Group Broker for Your Medicare Advantage Plan!

Our top reasons for being the industry leader are listed here.

Lower out-of-pocket costs:

With Medicare Advantage plans, you won’t have to worry about unlimited out-of-pocket costs. Unlike Original Medicare, Medicare Advantage plans have annual out-of-pocket limits.

More benefits:

Since we strive for perfection and serve you with great dedication, you can also get benefits you would not have received through Original Medicare. In addition to our added benefits, we also ensure that our Medicare Advantage plans include prescription drug coverage (Part D), dental services, and hearing aids.

Better access to doctors:

We work closely with Medicare Advantage plans and can provide you with the flexibility to select doctors who don’t accept patients with Original Medicare alone. Take advantage of the convenience of accessing doctors, specialists, and hospitals with us.

Unparalleled healthcare experience:

At O’Neal Insurance Group, we take a different approach. Our Medicare Advantage plans give you access to many medical benefits. There is no need to worry, as you have a team of experts dedicated to ensuring you get the best medical care possible.

Less hassle when you need services:

Enrolling in one of our Medicare Advantage plans can end all your hassles with medical services. Instead of dealing with multiple insurance plans, you get everything you need in a single, convenient plan.

Count on an O’Neal Insurance Group broker to educate you about all your options.

However, if you still have questions about your Medicare eligibility or the benefits you’re entitled to, our Medicare agents are available 24 hours a day to answer any questions you may have.

O’Neal Insurance Group brokers strive to be your one-stop solution for finding a Medicare Advantage plan and extra benefits that are perfect for you so that not a single coverage is missed.

We strive to minimize your out-of-pocket cost to the fullest extent possible.

We promise that you will not regret trying us out.

We’re available at 1-888-259-3339 if you’d like to learn more.

Find a Medicare Supplement That Works for You

O’Neal Insurance Group offers a supplemental plan that helps you cover the remaining costs. This additional protection is a medical supplemental policy known as a Medigap policy.

Medicare Supplement Insurance policy can help you pay the extra health care costs that are not covered, such as Co-payments, co-insurance, and Deductibles. Moreover, our brokers can guide you every step of the way and help you enroll in the best coverage over the phone or online screen share.

Thus, if you want to enroll in a Medicare Supplement, we will help you with everything you need. We are somewhat of a supplemental policy expert and take pride in serving you with the best plan without letting you overspend thousands of dollars. So you can get the best quality of health care which will last a long life.

About Medigap

Medicare Supplement or Medigap is an extra health insurance policy we shop and compare for you and we assist you in enrolling.  Coverage that will help you pay the health care costs not covered by your Original Medicare, which are Co-payments, co-insurance, and Deductibles. You can get these even if you travel outside the country.

Medigap policies are only available to those who have Medicare Plan A and Part B. Medicare Supplements plans only cover one beneficiary so your spouse will need their own policy. Most plans even offer household discounts as long as two or more enrolling members live in the same household. Choosing to work with an O’Neal Insurance Group broker has the experience in finding the right coverage, protection cost, and benefits that you may not get from somewhere else.

Eligibility of Medigap Plan

To enroll in Medicare Supplements or Medigap, the person must be enrolled in Medicare Parts A and Part B original Medicare. People who are 65 or above and have been collecting the benefit of social security disability for over 24 months, or even those diagnosed with ESRD or ALS, are eligible and can enroll in Medicare.

If you need more details about the enrollment of the Medigap Plan, you can contact the experts at O’Neal Insurance Group, and they will help you understand everything.

Advantages that we offer for your Medicare Supplement

Once you are enrolled in our Medicare Supplement plan, you can experience many benefits!

Affordable health insurance plan

We are here to offer you the best and most affordable health insurance plan that you can afford. There are different types of options, such as zero-premium coverage and no-cost coverage, and that will be according to your situation.

Provide you with one-on-one services.

If you ever get confused or have a problem regarding anything and do not know what you should do. Relax! Our experts are ready to provide you with one-on-one service. This means that you can meet them and get all the information about the plan that you want to choose. They will guide you with everything to make the right decision.

Offer advantageous Medicare plan.

There are so many Medicare plans that you can get from the O’Neal Insurance Group. You can access the Medicare advantage plans used for special or chronic conditions. We offer different plans, but one thing you need to ensure is that you are eligible for that. You need to complete the formalities to enroll related to the plan.

Get expert advice

We have insurance experts who will be available 24/7 and guide you about the different things that you may not have an idea about. They have the experience for several years to get the best advice, and then you can choose the best plan that suits your needs and budget.

What is Part D prescription drug coverage?

Medicare Part D is a voluntary outpatient prescription drug benefit for Medicare recipients provided through private plans approved by the federal government.

Beneficiaries can enroll in either a stand-alone prescription drug plan (PDP) to supplement traditional Medicare or a Medicare Advantage prescription drug plan (MA-PD), mainly HMOs and PPOs, that cover all Medicare benefits, including drugs.

In 2021, 48 million of the more than 62 million people covered by Medicare were enrolled in Part D plans.

Give us a call for an overview of the Medicare Part D program, plan availability, enrollment, spending, and financing,

Are you already on a Part C or Medicare Advantage? You can join a new plan during the Medicare Annual Enrollment Period.

AEP runs from October 15 to December 7. New coverage choices go into effect on January 1.