ALABAMA MEDICARE PLANS

O’Neal Insurance Group brokers are licensed in Alabama and can assist you in navigating the complex landscape of original Medicare parts and the numerous health plan options and carriers available in the state.

You can obtain a quote, compare plans online, or schedule a free confidential and private in-home personal appointment if available.

A Glance at Medicare Health Insurance Options in Alabama

Medicare, one of the oldest federal health insurance programs, is available to new Medicare beneficiaries and individuals with disabilities. As of November 2018, over a million Alabama residents had enrolled in original Medicare, accounting for at least 21% of the state’s population, and the numbers have continued to grow since then.

One-third of Medicare members in Alabama have chosen Part D prescription coverage. Depending on the county, Alabama residents have the option to select from 7-31 Medicare plans. Individuals under 65 in Alabama are not required to enroll in Medigap (Medicare Supplement).

These figures demonstrate the popularity of Medicare as a health plan in Alabama. It not only provides residents with medical security but also offers a wide range of versatile options to choose from. However, the abundance of choices can be confusing for first-time health plan enrollees. To simplify matters, we have broken down the essential elements of Original Medicare Health Plans.

What are Your Options?

Secure your future with the right health plan.

Regardless of whether you are over 65 or about to age into Medicare, it is essential to have basic knowledge about the available Medicare health plans in Alabama. Even if you are already enrolled in a Medicare health plan due to a disability, you may still benefit from supplemental solutions that enhance your health coverage.

Original Medicare (Part A)

This standard health plan covers hospital care, inpatient care, home health care (offered in special circumstances), medical care in a hospice environment, and skilled nursing facility care. Essential hospital expenses recommended by a doctor, such as a semi-private room, nursing services, meals, and medications, are covered.

Original Medicare (Part B)

This health plan covers primary care physicians, specialists, outpatient care, preventive care, special medical supplies/equipment (e.g., wheelchairs), and home health care in specific situations. However, custodial care, dental care, and prescription costs are not covered under either part.

Medicare Advantage (Part C)

Unlike other Medicare health plans, Medicare Advantage is managed by private insurance companies in collaboration with Medicare. This plan includes everything offered by Original Medicare (Part A and Part B), along with supplementary benefits such as dental care, eye checkups, and fitness classes.

Medigap (Medicare Supplement)

This supplementary plan covers out-of-pocket expenses and additional services not included in an Original Medicare plan. Benefits include coinsurance, copayments, and deductibles.

Medicare Prescription Drug Plan (Part D)

This plan covers prescription drugs aligned with your healthcare and treatment plans. The specific list of drugs covered may vary. Beneficiaries must purchase standalone Medicare Part D plans compatible with their Original Medicare health plan or enroll in Medicare Advantage plans that include Part D coverage.

Selecting a healthcare plan that aligns with your medical needs is crucial. During your consultation, we can guide you through the process and recommend cost-effective alternatives.

Do You Qualify for an Original Medicare Health Plan?

Are you eligible to apply for a Medicare Health Plan?

Eligibility for Medicare health plans depends on U.S. citizenship. If you are a U.S. citizen or have had permanent legal residency for a minimum of five years, you can apply for an Original Medicare Health Plan.

Each beneficiary must meet the following standards:

You have turned 65 years old and are eligible for Social Security. Individuals meeting these criteria will automatically be enrolled in the Original Medicare Plan (Part A & B).

Part A is free for individuals who have paid Medicare taxes for at least ten years.

Individuals under the age of 65 are eligible for Medicare if they have received Social Security Disability benefits for at least two years.

Anyone enrolled in Part A and Part B is eligible to join a Part C or Part D plan. Additionally, ensure that you reside within the service area of the plan you have enrolled in.

Hint: Medicare disability includes permanent physical and mental impairments that require continuous treatment.

Eligibility Requirements for Alabama Residents

Maximize your medical coverage with the right advantage plan.

Many Alabama residents also opt for Medicare Advantage or Medicare Supplemental insurance plans. Both plans cover out-of-pocket costs associated with original Medicare, with lower co-pays, deductibles, and coinsurance compared to Original Medicare.

The Department of Health and Human Services administers Medicare in Alabama, while enrollment is handled by Social Security, which may deduct Part B premiums from the beneficiary’s Social Security benefits.

Insurance companies offering Medical Advantage plans and Medical Supplemental Insurance plans in Alabama are regulated by the Alabama Department of Insurance. If you have a complaint against your insurance company, report it directly to the Department of Insurance.

Medicare Advantage Plans in Alabama

Original Medicare may not always be sufficient to cover your medical expenses. This is where Medicare Advantage comes in.

Some advanced plans also cover transportation to healthcare providers and gym memberships.

The two most common Medicare Advantage plans are:

1. Health Maintenance Organization (HMO)

HMOs consist of a network of healthcare providers who offer reduced rates for members. If you visit an out-of-network specialist, your insurance company will not cover the medical costs, and you will be responsible for the expenses. In cases of emergency, HMOs provide increased flexibility, as you won’t have to wait for a doctor’s appointment. However, HMO members are required to obtain a referral from their Primary Care Provider before seeing a specialist.

2. Preferred Provider Organization (PPO)

PPOs offer more flexibility for enrollees to choose their own specialists and doctors. While obtaining a referral from a primary care provider is optional, doing so may result in lower rates. PPOs also have a network of providers, and seeking care from a specialist outside the network will result in out-of-pocket costs.

Alabama residents who have both Medicaid and Medicare may become eligible for a Special Needs Plan (SNP). These plans function like HMOs or PPOs with specific networks.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

How to Sign Up for Medicare in Alabama

Enrolling for Medicare in Alabama is relatively simple. Beneficiaries who have already signed up for Social Security will automatically enroll in Medicare without any additional steps. Those who do not receive Social Security benefits must enroll through the website or by calling Social Security.

You can still enroll in Part A if your employer provides health benefits.

There are three enrollment periods for signing up for Medicare:

1. Initial Enrollment

For example, if you turn 65 in April, the enrollment period starts from January through July. This is a seven-month period that begins three months before you turn 65.

2. Special Enrollment

Beneficiaries who did not sign up due to group coverage will receive a special enrollment period that lasts for eight months after their group coverage ends.

3. General Enrollment

Eligible residents can sign up for Medicare from January to March every year, and the coverage will start on July 1.

It is important to note that eligible residents who fail to sign up for Part B during their initial enrollment may incur a late penalty of 10% for each year they wait. The penalty will last for the duration of their Medicare coverage.

ARIZONA MEDICARE PLANS

Residents of Arizona: if you are looking for a Medicare Insurance Plan or help with enrollment, You are on the right site.

We serve all major cities in or around the Phoenix AZ Metropolitan Area, including Tucson, Mesa, Chandler, Glendale, Scottsdale, Gilbert, Tempe, Peoria, Surprise, Yuma, Maricopa, Pinal and Pima County.

We work with some of the country’s leading insurance providers.

As brokers, our primary objective is to do what’s right for you, the Medicare beneficiary.

We not only help you select an Aetna, Anthem, Blue Cross Blue Shield, Cigna, Devoted Health, Humana, Mutual of Omaha, UnitedHealthcare, or GTL/ Guaranteed Trust Life Insurance Company Arizona Medicare health plan, but we also will help selecting a quality doctor and provider networks so that you can get the care and attention you deserve during the golden years of your life.

SELECT A PLAN THAT WILL PROTECT YOUR HEALTH AND YOUR FINANCIAL WELL-BEING

From Prescription Drug plans and Medicare Advantage plans, to Original Medicare + a Supplement plans that can range from plans A-G, each health insurance plan has its own benefits, terms and conditions and deductibles.

At O’Neal Insurance Group, we help you understand the complex and time-consuming process of comparing different health plans and select the one that best compliments your financial and healthcare needs.

CHOOSE THE PERFECT MEDICARE ADVANTAGE PLAN

Like other states, Arizona offers a variety of Medicare health insurance plans to individuals who are turning 65 and aging into Original Medicare and seeking good health coverage that is affordable.

However, the sheer variety of health insurance coverage available can make the selection process quite overwhelming for anyone living in Maricopa, Pinal or Pima counties in Arizona.

Count on us to find you the perfect Part D Drug Plan, HMO, or PPO plan that will meet or exceed your needs.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

COMPARING LOCAL ARIZONA MEDICARE ADVANTAGE PLANS

Finding the right Medicare coverage can seem difficult, but working with an O’Neal Insurance Group broker makes it easy for you.

Our brokers take their time to understand your needs and preferences in order to help you select a plan that’s just right for you.

We keep the following factors under consideration when comparing different health plans for you:

Coverage — How well does a particular plan cover the services you need?

Costs — How much will the health plan, including premiums, deductibles and various other costs, cost? Are there any additional terms and conditions that may affect the total cost?

Doctor and Hospital Choice — Does your preferred doctor accept the coverage? Will you have to choose your hospital or health care provider from a specific network?

Prescription Drugs — Does the plan have any specific rules that apply to your prescriptions?

Based on a thorough evaluation of all these variables, we help you select a health plan from the following four types of Medicare health plans:

Medicare — If you are 65 or older or are younger than 65 but have certain illnesses, you might be eligible for coverage under Medicare.

You can opt for Medicare Part A or Medicare Part B, depending on your needs.

Medicare Part A covers inpatient care costs, while Medicare Part B covers diagnostic costs, medical supplies costs and preventive services costs.

Medicare Advantage — Medicare Advantage is a more advanced health plan that combines hospital, doctor, and prescription coverage into one plan.

In addition to this, it offers some additional benefits not offered by basic Medicare.

Medicare Supplemental — As the name implies, the primary purpose of supplement plans is to fill the gaps in the coverage offered by your primary health plan.

Medicare Prescription Drug (Part D) —If you want to get coverage for any medications that you take now or may need to take in the future, a Prescription Drug plan can be useful for you.

However, there are some eligibility requirements that you need to fulfill in order to be eligible for Medicare when you are under the age of 65.

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

ARKANSAS MEDICARE PLANS

Do you live in Arkansas and need help understanding your options or planning to apply or change your Medicare health plan?

O’Neal Insurance Group can help you choose the right healthcare insurance plan by comparing the carriers’ coverage and options available in your area.

A QUICK GLANCE AT THE ORIGINAL MEDICARE HEALTH INSURANCE OPTIONS OFFERED IN ARKANSAS

Medicare is a federally approved health insurance program accessible to Medicare beneficiaries and residents who qualify due to age or disability. Over 630,000 residents in Arkansas currently benefit from medical coverage, and the number is expected to increase in the coming years.

Residents of Arkansas can choose from many different Medicare health plans offered in the state, depending on their zip code. One out of five Medicare beneficiaries in Arkansas opt to join a Medicare Advantage plan. Almost 50% of Medicare beneficiaries in this state are enrolled in standalone Part D prescription drug coverage.

Overall, statistics reveal that Medicare beneficiaries and others consider Medicare health plans in Arkansas the best option for their medical coverage. The primary reason for this is accessibility and diversity.

Nonetheless, selecting the right health plan is not an easy feat. Applicants have to consider premiums, benefits, and other aspects of the coverage as well.

ORIGINAL MEDICARE IN ARKANSAS?

Take the first step towards a safe and secure future. Medicare provides multiple coverage and plan options to the residents of Arkansas. The plans and options are available to anyone who has turned 65 or qualifies for health insurance due to a disability. You should weigh the pros and cons of each one before making the final decision.

Even if you’re already a Medicare beneficiary, it doesn’t hurt to consider supplemental strategies that could improve your health plan.

MAIN PARTS OF MEDICARE HEALTH PLANS

Original Medicare (Part A): The basic health plan covers hospital care, inpatient care, and home health care (available in critical cases). You also receive coverage during your stay in a hospice setup or advanced nursing environment. Beneficiaries in this health plan receive money for the bare essentials required for their treatment, including meals, medications, semi-private rooms, and bedside nurses. Medical care required inside the house is usually excluded from the coverage.

Original Medicare (Part B): The secondary health plan is considered an extension of Part A. Many people enroll in both plans to maximize their benefits. Part B Medicare Plan includes outpatient care, preventive treatment, and access to medical supplies/gear for specialist treatment plans. The coverage might include home health care for special cases. The combination of Part A and B plans doesn’t include prescriptions, dental care, eye care, and custodial care. That’s why some beneficiaries opt for supplemental solutions.

Medicare Advantage (Part C): Medicare Advantage plans are unique health insurance plans sanctioned by private insurance companies. Medicare permits them to develop advanced health coverage plans for their clients. These plans cover all the benefits of Original Medicare (Part A and Part B) along with additional perks, including dental care, vision care, health training programs, and more.

Medigap (Medicare Supplement): Beneficiaries who are constantly going in and out of the hospital require additional expenses to cover their medical bills. The Medigap plan gives them a chance to receive extra services that are excluded from the primary Medicare plan. These services include coinsurance, copayments, and deductibles.

Medicare Prescription Drug Plan (Part D): As the name suggests, the health plan revolves around your prescription. You can either opt for a standalone Medicare Part D plan that supports your treatment, or you can enroll in a Medicare Advantage plan that includes Part D coverage. It’s important to remember that each county/neighborhood has access to different drugs, so your prescription privileges can vary from a patient in another county. In the end, the trick is to choose Medicare health plans in Arkansas that support your treatment. If you’re ever in doubt, then you can reach out to us. Our health insurance specialists can suggest budget-friendly alternatives to fit your specific requirements.

ELIGIBILITY REQUIREMENTS FOR ARKANSAS RESIDENTS

Can you qualify for Medicare health plans in Arkansas? Medicare health plans are available for all U.S. citizens and those who have obtained permanent legal residency in the U.S. The latter should have citizenship for at least five years if they plan to enroll in an Original Medicare health plan. Other conditions include:

People who are 65 (or above) and qualify for Social Security can enroll in the Original Medicare plan (Part A & B). If you’re already receiving Social Security, you will get enrolled automatically after your 65th birthday.

Part A is free of cost for residents who have paid Medicare taxes for a minimum of ten years. They have to pay a small sum for Part B, like the rest of the beneficiaries.

Adults suffering from permanent residency can qualify for a Medicare health plan after they receive Social Security Disability privileges for two years (minimum). Similarly, patients with stage five CKD (chronic kidney disease) are eligible for Medicare. Both conditions exempt them from the age regulation.

Apart from this, beneficiaries of Part A and B plans can apply for a Part C or Part D plan. You need to opt for coverages that are available in your county.

MEDICARE ADVANTAGE PLANS: A CLOSER LOOK

Many residents in Arkansas enroll in Medicare Advantage or Medicare Supplemental insurance plans. These plans cover out-of-pocket costs that aren’t available in the Original Medicare health plan. The supplementary options have individual copayments, deductibles, and coinsurance. However, these are more affordable than basic Medicare plans.

Every Medicare beneficiary in Arkansas is allowed to seek additional benefits via the Medicare Advantage plan (Part C). People consider it an alternative to the standard Original Medicare plan and a way to maximize their coverage. These coverages are handled by private insurance companies. The benefits you receive depend on your location and choice of coverage.

ARKANSAS MEDICARE ADVANTAGE PLANS

Looking for budget-friendly medical insurance? Then you should combine your Original Medicare health plan with an Advantage plan. That way, you will get hospital, medical, and additional insurance too.

Let’s look at the most sought-after Medicare Advantage plans in Arkansas:

Health Maintenance Organization (HMO): HMO is a network of local healthcare providers who offer discounted rates to their beneficiaries. The insurance companies pay for medical expenses in healthcare facilities within the network. It gives you the liberty to visit specialists during emergencies without paying a hefty price. The only condition is that their Primary Care Provider will have to refer them to a specialist before the consultation.

Preferred Provider Organization (PPO): People who find the first option restrictive can enroll in PPO. Members of this plan are allowed to select their specialists, healthcare providers, and facilities. The network of providers in this coverage plan is more extensive but still requires a referral from the Primary Care Provider. Plus, you’ll have to pay for medical expenditures if you get treatment from an out-of-network provider.

Apart from this, citizens of Arkansas can enroll in a Special Needs Plan (SNP). Patients with chronic illnesses and specific conditions can opt for these plans. They operate just like the other plans, but beneficiaries have the advantage of customizing their benefits according to their health challenge.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

HOW CAN WE HELP?

O’Neal Insurance Group offers professional evaluation and consultation services to the residents of Arkansas. We act as your sounding board when you’re applying for the Medicare health plan. We can also give you tips on how to modify the plan for better coverage. Our services include free consultation, evaluation, and other resources. The best part is that we don’t charge anything for the consultation sessions. Contact us to get started.

FLORIDA MEDICARE PLANS

ARE YOU READY TO ENROLL IN A MEDICARE HEALTH PLAN?

Residents of Florida if you are looking for Medicare Insurance Plan or help to compare or enroll. You are on the right site.

Book a free consultation to make the best decision.

If you live in Florida and are eligible for Medicare, you have many great Medicare plan options to choose from. Most people become eligible for Medicare when they turn 65, but some people qualify before turning 65 based on their disability status. Whether you’re enrolling in Medicare for the first time or you’re thinking about switching Medicare plans, learn about your options so you can pick the best Medicare plan in Florida for your needs.

Traditional Medicare, sometimes called Original Medicare, consists of Medicare Part A (hospital coverage) and Medicare Part B (medical coverage). These are fee-for-service plans operated by the federal government. However, Original Medicare leaves many out-of-pocket costs and uncovered benefits, so some seniors decide to buy Medicare plans offered by private companies. Medicare Part D provides drug coverage. Medicare Supplement Insurance, or Medigap, works with Original Medicare to help with many out-of-pocket costs and may provide additional benefits. Medicare Advantage Prescription Drug (MAPD) plans, sometimes called Medicare Part C, are all-in-one plans that combine the coverage provided under Medicare Parts A, B and D into a single plan, often with additional benefits, such as dental care.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

GEORGIA MEDICARE PLANS

NEED MEDICARE INSURANCE IN GEORGIA?

Are you looking to compare your Medicare health insurance option or maybe you are planning to apply for a new Medicare Advantage plan for Georgia residents?

O’Neal Insurance Group offers professional guidance at no cost to you.

Helping to ensure you, that the coverage you choose is the best original or Medicare Advantage plan to meet your healthcare needs.

A GLIMPSE OF ORIGINAL MEDICARE HEALTH INSURANCE IN GEORGIA.

Original Medicare is the primary health insurance coverage for a beneficiary who are new or current members and some disabled residents of Georgia.

This is a federal government approved health plan that offers multiple types of medical coverage and resources to people in need.

By 2018, there were more than 1.6 million beneficiaries enrolled in the Georgian Medicare programs.

The numbers continue to grow and are predicted to multiply in the coming years.

HERE ARE A FEW INSIGHTFUL TRENDS ASSOCIATED WITH THIS STATE’S MEDICARE PLANS:

Medicare Advantage Plans (Part C) is fully accessible throughout the state. This means that this type of program is available to every eligible resident of Georgia regardless of their service area.

There are 71 Medicare Advantage Plans and 24 standalone Medicare Prescription Drug Plans available in the state, depending on the beneficiary’s location.

The majority of Georgians opt for the Original Medicare Health Plan (Part A & B) instead of supplementary health plans.

On the whole, Medicare seems like the first choice for citizens over 65 in Georgia. The plan gives them a chance to receive affordable healthcare at this point in life with minimum issues. They are, however, still skeptical about Medicare Advantage Plans and supplementary coverage.

We wish to remove this confusion by breaking down the core components of each program. That way, you can apply for a health plan that adds greater value to your life.

ORIGINAL MEDICARE HEALTH INSURANCE IN GEORGIA. WHICH ONE IS RIGHT FOR YOU?

Get your hands on the best Medicare Health Plan in the state.

Whether you’re turning 65 or are eligible for medical coverage due to a disability, you should brush up your knowledge about the federally approved insurance available in Georgia. The right information can allow you to maximize your coverage and decrease out-of-pocket expenditures when it comes to healthcare.

Here’s a sneak peek at what each healthcare plan entails for the beneficiary:

Original Medicare (Part A)

Also known as the ‘hospital insurance’ part of the Original Medicare scheme, this plan covers general hospital services. These include services (e.g. meals and nurse care) and supplies (e.g., medication) required during hospital care, along with inpatient care, skilled nursing facility, and sometimes a hospice setup. Some plans also cover home health care services for critical cases.

However, you must note that the covered services might come with individual costs (e.g. copayments, coinsurance, and deductibles).

Original Medicare (Part B)

Part B is the ‘medical insurance’ part of the Original Medicare Healthcare Plan. This plan covers medical expenses required when you’re not in the hospital. The services include lab tests, ambulance services, and visits to the doctor, special medical supplies, and therapy sessions (e.g. chemotherapy). The coverage might consist of home health care services in specific scenarios.

Part A and B are generally taken together to receive hospital and medical insurance. The plans are often limiting―for some patients―because they don’t cover prescriptions, custodial care, and basic checkups (e.g. eye, dental, and hearing exams).

Medicare Advantage (Part C)

This type of Medicare health insurance is authorized with private insurance firms that are selected by Medicare. It’s an alternative health plan that covers benefits from the Original Medicare Plans (Part A and Part B) along with additional privileges. These include routine checkups (e.g. vision, dental, and hearing), prescription drugs, and health wellness, classes.

Medigap (Medicare Supplement)

The complementary health plan covers out-of-pocket expenses and additional medical costs that aren’t included in the standard Medicare Health Plans. This includes coinsurance, copayments, and, deductibles, along with other benefits.

Medicare Prescription Drug Plan (Part D)

Most Medicare Health Plans are limited to medication received in the hospital setup. If you want coverage for prolonged treatments via prescriptions, then you have to apply for Medicare Part D. The plan provides you coverage for prescriptions authorized by your healthcare provider. The list of drugs in the plan varies from one service area to another.

Beneficiaries can enroll in a standalone program that aligns with their Original Medicare Health Plan. You can also use it as an extension of your Medicare Advantage Plan.

On the whole, Medicare Health Plans covers different aspects of your treatment and routine medical checkups. The trick is to enroll in a plan that addresses your specific medical requirements and minimizes your expenses.

ELIGIBILITY REQUIREMENTS FOR GEORGIA

Who can qualify for Medicare Health Plans in Georgia?

Like most Medicare Health Plans, the one in Georgia is available to every U.S citizen in the state. The accessibility is extended to all legal permanent residents in the state, who have spent at least 5 years in the country after becoming receiving residency.

Apart from this, each beneficiary must meet these standards:

You are 65 years old and can qualify for social security. Individuals who already have social security are enrolled in the Original Medicare Plan (Part A & B) automatically.

Part A is free of cost for citizens who have paid Medicare taxes for the past ten years.

Residents who have a prolonged disability can qualify for the healthcare plans before they turn 65. They should, however, receive Social Security Disability for a minimum of 2 years before enrollment.

Moreover, eligibility for Part C and Part is the same. You simply have to apply for these health plans after enrolling for the Original Medicare Health Plan. Also, ensure that your plan and desired services are available in your zip code.

Otherwise, you won’t receive the required benefits on your current health plan.

Hint: Medicare disability is any type of permanent physical and mental impairment that requires continuous treatment.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

MEDICARE ADVANTAGE PLANS: A CLOSER LOOK

Maximize your medical coverage with the right Advantage plan.

As mentioned before, Medicare offers advantages and supplemental insurance plans for anyone who wants extra coverage. These plans include the standard medical benefits along with other perks (e.g. routine appointments).  This type of coverage is authorized by private insurance companies that are in collaboration with Medicare.

With that said, you will have to pay individual deductibles, coinsurance, and copayments for these types of health plans. The good news is that their premium is lower than the Original Medicare Plans.

Let’s look at the most common type of Medicare Advantage Plans in Georgia:

1. Health Maintenance Organization (HMO)

The health plan provides beneficiaries with a network of doctors and healthcare facilities that are associated with the insurance company. The enrollees are required to use their services if they want discounted rates and insure medical services.

Due to their rigid guidelines, you can only use the healthcare providers within the network for treatment. You also need a referral from your primary care provider if you’re consulting a specialist. Also, beneficiaries who visit alternative hospitals will have to pay the full fee.

2. Preferred Provider Organization (PPO)

Unlike the previous health plan, the PPO offers more flexibility to its beneficiaries. You have the right to receive treatment from the chosen network of healthcare providers, along with external facilities. The only condition is that out-of-network treatments require you to pay additional out-of-pocket costs.

Want more options?

Then you can opt for the Private Fee-for-Service (PFFS) plan that provides you with the freedom to choose your healthcare provider. The provider must, however, adhere to the insurance guidelines if you want the insurance company to pay for your treatment.

Residents of Georgia with chronic conditions and disabilities can choose the Special Needs Plan (SNP). It’s a hybrid plan for beneficiaries that require specific medical services from their health insurance.

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

ILLINOIS MEDICARE PLANS

ARE YOU LOOKING FOR MEDICARE PLANS IN ILLINOIS?

Medicare is one of the most popular federal healthcare insurance programs 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 examinations 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 most online reputable Medicare Advantage and Supplement Insurance Plan brokers in the state of Illinois and Chicagoland, 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 County Illinois residents, the IL insurance carriers we represent for HMO and PPO Medicare Advantage and Part D Drug plans offer all of 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.

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.

We can help with Ascension Complete, Blue Cross Blue Shield of Illinois, Humana, Aetna, Cigna, Devoted Health, UnitedHealthcare, and WellCare Medicare Advantage HMO and PPO plans and Medicare Prescription Drug (Part D) plans online over the phone, internet, or in person.

THERE ARE DIFFERENT TYPES OF MEDICARE ADVANTAGE PLANS:

HMO (HEALTH MAINTENANCE ORGANIZATION)

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.

PPO (PREFERRED PROVIDER ORGANIZATION)

A PPO usually has a higher monthly premium than an 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

WHY CHOOSE US AS YOUR CHICAGO, DENTAL, VISION, MEDICARE SUPPLEMENT AND MEDICARE ADVANTAGE HMO OR PPO BROKER?

Our primary objective is to simplify access to the best carriers and help Medicare members 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)

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 Health Care Plan Brokers. We take the time to meet with you one-on-one in the privacy of your home or our office.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

O’NEAL INSURANCE GROUP SPECIALIZES IN:

Supplemental Insurance Plans

Medicare Advantage HMO and PPO plans

Critical Illness Insurance (Cancer, Stroke, Heart Attack)

Contact us to get started.

INDIANA MEDICARE PLANS

NEED MEDICARE INSURANCE IN INDIANA?

We work with residents of the Hoosier State who have certain disabilities or are aging into Medicare, including people in some the largest cities, towns and counties like Indianapolis, Fort Wayne, Evansville, South Bend, Hammond, Bloomington, Gary, Carmel, Fishers, Muncie.

You may be confused about original Medicare and the different parts like A, B, C and D. You may want to know what Medicare covers. So many individuals find Medicare very confusing.

Don’t worry. We are here to help! Brokers who really do understand Original Medicare and all the plans and policy options are available to you.

We can meet with you in home one on one free at no cost to you and provide non-biased recommendations to help you make the best-informed decision.

Remember, basic or Original Medicare plans do not cover many healthcare costs, and therefore, it might become necessary for Medicare recipient or beneficiary to look for alternative Medicare insurance plans.

At O’Neal Insurance Group, we take the time-consuming and overwhelming process of browsing and comparing different coverage easier and efficient for you by providing you expert assistance and guidance throughout the process.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

UNDERSTANDING DIFFERENT MEDICARE ADVANTAGE HMO PPO HEALTH INSURANCE PLANS IS OUR SPECIALTY.

When you choose to work with O’Neal Insurance Group, we not only help you compare different plans, but also help you understand the complexities associated with the process. From understanding the premium and out-of-pocket limits of different policies to co-payments and deductibles, we provide you answers to all your questions, helping you make a well-informed decision.

THE HMO, PPO, SUPPLEMENTAL HEALTH INSURANCE PRODUCTS WE OFFER AT O’NEAL INSURANCE GROUP CAN BE CATEGORIZED INTO THE FOLLOWING TYPES:

When you choose to work with O’Neal Insurance Group, we not only help you compare different plans, but also help you understand the complexities associated with the process. From understanding the premium and out-of-pocket limits of different policies to co-payments and deductibles, we provide you answers to all your questions, helping you make a well-informed decision.

Medicare Part A 

Medicare Part A is a basic health insurance plan available to all those individuals who are 65 or older and have worked for 10+ years. Payment of Social Security taxes is one of the eligibility requirements for premium-free Medicare Part A. This insurance plan covers the costs of hospitalization and home healthcare.

Medicare Part B 

Those who are receiving  Social Security may be automatically enrolled to Medicare Part B. This insurance plan covers the costs of a wide range of medical services, including X-rays, annual checkups, and mental health care. However, unlike Medicare Part A, Medicare Part B is not premium-free and you will be required to pay an annual premium.

Medicare Part C

Also known as Medicare Advantage plans like HMO’s and PPO’s plans are available to those who are eligible for original Medicare Part A and B. The benefit of choosing Medicare Part C is that it offers broader coverage.

Medicare Part D

Medicare Part D adds coverage for prescription drugs to Medicare Original and supplement with a stand-alone plan. This insurance plan is best suited for individuals who take multiple medications on a regular basis.

Medicare Supplemental Insurance

Also known as Medigap, Medicare Supplemental insurance provides coverage for the healthcare costs that basic Medicare plans do not cover. The costs covered will depend on the insurance provider you select. However, most Medigap plans provide coverage for co-insurance costs for living in a nursing home, deductibles for Medicare Part A, and various other healthcare costs. They do not include dental vision hearing and Part D prescription drugs.

REALLY CONFUSED ABOUT OR NEED HELP UNDERSTANDING YOUR ORIGINAL MEDICARE OPTIONS?

With a comprehensive array of health insurance plans available for Indiana citizens, finding the right health insurance can be difficult. That is why it is recommended that you work with a reputable and experienced Medicare health insurance broker in Indiana who can help you understand and compare different solutions and select the one that’s most appropriate to your financial and healthcare needs.

We help you compare different health insurance products on the basis of the following factors:

Annual deductible

Co-payment amounts

Coinsurance

Out of network coverage

Coverage for alternative therapies

Premium costs

Coverage for preventive care and more

FIND THE PERFECT INDIANA SENIOR PRESCRIPTION DRUG COVERAGE TODAY.

Do you live in Indianapolis, Fort Wayne, Evansville, South Bend, Hammond, Bloomington, Gary, Carmel, Fishers, or Muncie and have questions about your health plan coverage? Are you considering enrolling in a supplemental plan? If yes, you have come to the right place. At O’Neal Insurance Group, we acknowledge that understanding health insurance can be difficult. Therefore, we are here to help you and make it as easy and as affordable as possible for you to access quality healthcare services.

If you have questions about different Medicare insurance plans or if you want to discuss your needs with our experts, you may contact us here or call us at 888 966 8579 to get started. We will be glad to assist you and help you select the right health insurance plan according to your requirements.

KENTUCKY MEDICARE PLANS

DO YOU NEED A MEDICARE PLAN IN KENTUCKY?

Original Medicare, also called Traditional Medicare, is the basic health coverage managed by the federal government. It consists of two Medicare plans. Medicare Part A provides hospital coverage and Medicare Part B provides medical coverage for outpatient care.

Original Medicare does not provide prescription coverage, but you can enroll in a Medicare Part D prescription drug plan to obtain coverage. Another option is to enroll in a Medicare Advantage Prescription Drug plan, which combines Medicare Parts A, B and D into a single plan. Medicare Advantage plans are offered by private insurance companies. Most use networks of doctors and health facilities, and many offer additional benefits, such as dental care.

Medicare Supplement Insurance Plans are another option. These plans work with Original Medicare to help with out-of-pocket costs, and some include extra benefits, such as foreign travel emergency health coverage. You may know these plans as Medigap plans.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

O’Neal Insurance Group can help you review your Kentucky Medicare plan options. Contact us to get started.

LOUISIANA MEDICARE PLANS

WANT HELP COMPARING HEALTH PLANS IN LOUISIANA?

O’Neal Insurance Group is your go-to broker guide for you Medicare health plan enrollment process. With more than 30 years of expertise, we can streamline your application process and help you choose the best healthcare plan available in your service area.

A GLANCE AT MEDICARE HEALTH INSURANCE PLANS AND COVERAGE IN LOUISIANA.

Medicare is the leading health insurance plan available in Louisiana. The federally approved health coverage is designed to help senior citizens and disabled individuals receive affordable healthcare in this country. The health plans cover a diverse range of medical expenses and offer multiple resources to those in need.

Stats show that over 843,951 beneficiaries in Louisiana were enrolled in Medicare Health Plans by the year 2018. The figure has since then multiplied and continues to increase every year.

Let’s look at more stats associated with Medicare health plans in the state:

Since 2018, the residents of Louisiana have access to 54 Medicare Advantage Plans and 21 standalone Medicare Prescription Drug Plans, depending on their location

By 2018, 75% of Medicare beneficiaries had enrolled in a Part D Health Plans (standalone plans or as an extension of Part C coverage)

COMPARE MEDICARE HMO, PPO, AND PART PART C, HEALTH INSURANCE PLANS IN THE STATE OF LOUISIANA.

WHICH ONE IS RIGHT FOR YOU?

We make finding the right Medicare health plan easier for you.

Medicare Health Plans are divided into multiple parts. Each section offers beneficiaries with different services and coverage.

At O’Neal Insurance Group, we advise everyone eligible for Medicare to consider the pros and cons of each type of health plan. That way, they can maximize their medical coverage and attain more benefits than before.

ORIGINAL MEDICARE (PART A)

Part A is dubbed as the hospital insurance part of the Original Medicare Plan.

Beneficiaries in this plan receive coverage for standard hospital care,such as medications, semi-private rooms, bedside nurses, and meals.

The coverage also consists of a skilled nursing facility, inpatient care, and hospice environment. Certain plans also extend coverage to home health services for critical patients.

It’s important to remember that your coverage requires you to pay copayments, deductibles, and coinsurance for individual services.

ORIGINAL MEDICARE (PART B)

The second part of the Original Medicare Plan is labeled as medical insurance.

The plan consists of a diverse range of medical services for outpatients.

These include everything from doctor appointments, required therapy to specific medical supplies (e.g., wheelchairs).

In some instances, the coverage can cover home health care expenses too.

Part A and B are considered the foundational health coverage for Medicare beneficiaries.

The restrictive nature of these plans required the enrollees to opt for additional plans. That’s because the Original Medicare Plan doesn’t cover certain benefits, such as eye, dental, and hearing tests.

MEDICARE ADVANTAGE (PART C)

Looking for extra coverage?

Then Medicare Advantage Plan could be the right choice for you.

The health insurance plan is managed by private insurance companies that are affiliated with Medicare.

These organizations offer clients an alternative health plan that covers medical expenses included in the Original Medicare plan, along with more benefits.

The benefits can include  vision, dental, and hearing benefits and health wellness programs (e.g., fitness classes).

MEDIGAP (MEDICARE SUPPLEMENT)

The health plan bridges the gap between basic Original Medicare and out-of-pocket expenses.

Their benefits consist of coinsurance, deductibles, copayments, and other medical costs that your primary health plan doesn’t cover.

MEDICARE PRESCRIPTION DRUG (PART D)

Beneficiaries with chronic illnesses, permanent disabilities, and other severe conditions often chose the Part D Plan.

This health plan covers the cost of prescriptions, which is often disregarded in the Original Medical coverage. The list of drugs in the plan varies from one ZIP code to another.

There are two ways to enroll in this program.

You can either opt for a standalone health plan that is compatible with your Original Medicare Health Plan.

The other option is to apply for Part D as an extension of your Medicare Advantage Plan.

As you can see, Medicare Health Plans covers a wide range of medical services.

The selection of your health plan should align with services that apply to your treatment/health condition.

Also, think of ways in which each plan benefits you financially. Then choose the one that is most cost-effective for your retirement budget.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

ENROLLMENT ELIGIBILITY REQUIREMENTS FOR MEDICARE PART C, IN LOUISIANA

Are you eligible for Medicare?

The eligibility of Medicare Health Plans is dependent on your age, citizenship, and medical condition.

Every US citizen residing in Louisiana is eligible for this health insurance plan. The federal laws allow immigrants with at least five years of legal permanent residency to apply for the health plan too.

Most enrollees must be 65 or older when they sign up for the medical coverage.

Residents who have paid Medicare taxes for at least ten years don’t have to pay for premiums for Part A.

Individuals with prolonged disability are eligible for Medicare Plan before they turn 65. They should, however, receive Social Security Disability for at least two years before registration.

Patients with stage five of CKD (chronic kidney disease) can also enroll in the Original Medicare Health Plan before they turn 65.

Enrollees who have applied for the Original Medicare Health Plan are eligible for other Medicare health plans.

In short, if you are over 65 or have an eligible disability, then you can enroll in a Medicare Health Plan. The only condition is that your chosen health plan must be available in your service area.  Otherwise, you will have to apply for extra medical coverage from your insurance company.

Hint: Medicare disability refers to permanent physical and mental impairment that requires lifelong medical support

PART C MEDICARE ADVANTAGE PLANS: A CLOSER LOOK

Make the most of your medical coverage with the perfect Medicare Advantage plan.

You have the right to select additional medical coverage with the assistance of an affiliated healthcare insurance provider. The medical plan includes basic coverage from the Original Medicare Plan, along with extra benefits. These include everything from dental appointments to fitness classes, and more.

Apart from receiving extra medical coverage, you may have to pay a lower cost on deductibles, copayments, and coinsurance associated with the medical services. For this reason, this type of health insurance plan is called a budget-friendly option for the residents of Louisiana.

Here are the primary Medicare Advantage Plans in Louisiana:

Health Maintenance Organization (HMO)

Beneficiaries of this health plan are provided with a list of healthcare providers and facilities. They get discounted rates and medical coverage when they receive treatments from this network of healthcare providers. The enrollees are also required to choose a primary care provider, who can refer them to specialists whenever required.

The advantages of this healthcare plan include lower premiums, access to licensed healthcare providers, and great rates and full coverage.

Despite its many benefits, many people find the rules and regulations of this health plan restrictive. That’s especially true for individuals who’re forced to pay the full medical bill if they get treated outside the network. This can be costly for people who are receiving care from specialists not available in their health insurance company’s list.

Preferred Provider Organization (PPO)

The PPO is a flexible rendition of the previous health plan. The only difference is that beneficiaries in this plan can get coverage for the chosen healthcare provider (even if they aren’t in the network).

The recipients will, however, have to pay a higher amount of copayments, deductibles, and coinsurance. The premium costs depend on the terms and conditions of their healthcare insurance policy.

The advantages of this healthcare plan include flexible offerings and more options, no need for referrals and additional steps, and access to licensed healthcare providers.

If you’re interested in more versatility, then you can sign up for the Private Fee-for-Service (PFFS) plan. The plan gives you a chance to choose out-of-network healthcare providers with minimum restrictions. The healthcare provider must, however, comply with a few insurance guidelines if you want proper medical coverage.

Apart from this, residents of Louisiana have access to the Special Needs Plan (SNP). The hybrid healthcare plan is for beneficiaries who require specific medical services to treat disabilities, chronic illnesses, or other critical conditions.

The best idea is to consult your primary care provider before you make the final decision.

WHEN SHOULD YOU APPLY FOR MEDICARE IN LOUISIANA?

SIGN UP FOR MEDICARE COVERAGE BEFORE IT’S TOO LATE!

Residents of Louisiana have several opportunities to register for Medicare Original and Medicare Advantage health plans.  If you receive Social Security, then your enrollment to Original Medicare is automatic. Others have to seek assistance from Social Security headquarters in the state to enroll in both federal programs.

The three enrollment periods to sign up for Medicare are as follows:

INITIAL ENROLLMENT

It’s the first chance for eligible candidates to join the Medicare health plan. The seven-month enrollment period begins there months before your 65th birthday and lasts three months after your birthday.

For instance, if you are born in March then your initial enrollment will start in Dec and end in June.

SPECIAL ENROLLMENT

If you’re registered with group coverage or receive group health benefits through a spouse, then you can enroll in the Medicare Health Plan after that coverage expires.

The delayed enrollment period lasts for eight months after the prior coverage ends.

GENERAL ENROLLMENT

All eligible beneficiaries can register for Medicare health plans at the start of each year. The general enrollment period lasts from Jan to March.

Disclaimer: Residents who don’t sign up for Part B during their initial enrollment are penalized for the delay. The penalty fee varies according to the date of their registration. It’s generally 10% of their premium, and it lasts throughout their Medicare coverage.

HOW CAN WE HELP?

O’Neal Insurance Group offers free consultation services to the residents of Louisiana. Our specialists guide you through the enrollment process and answer your queries. We also nudge you in the right direction if you’re considering a supplemental plan. Contact us to get started.

MICHIGAN MEDICARE PLANS

FINDING THE RIGHT MICHIGAN (PART C) MEDICARE ADVANTAGE PLAN OR (PART D) PRESCRIPTION DRUG COVERAGE ON YOUR OWN CAN SEEM CONFUSING. NO WORRIES. WE ARE HERE TO HELP!

LOOKING FOR A CONVENIENT ONLINE ALL-IN-ONE MEDICARE 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 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 protection and coverage?

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.

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 Medicare health insurance plans 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.

As a resident of the state of Michigan 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 your healthcare options or help in getting started with the process of selecting the right Medicare Health Insurance Plan. 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 premium-free for most people who are eligible for the plan, while Medicare Part B requires you to pay an annual premium.

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

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

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.

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

MINNESOTA MEDICARE PLANS

A QUICK LOOK AT ORIGINAL MEDICARE HEALTH INSURANCE IN MINNESOTA

Medicare is a federal health insurance plan that is available in Minnesota. The health plan provides medical coverage to senior citizens and the disabled for their treatments and regular appointments. This allows them to receive affordable healthcare within their area.

Stats from Centers for Medicare & Medicaid Services (CMS) reveal that there are more than a million beneficiaries in Minnesota are enrolled in Medicare. The numbers keep increases year over year.

Here are some other stats on Medicare health plans within Minnesota:

Over 50% of Medicare beneficiaries in Minnesota are enrolled in Medicare Advantage Plans and other private Medicare  options.

There are around 48 Medicare Advantage Plans and 29 Part D plans available to beneficiaries in Minnesota. The health plans are accessible in almost all service areas.

Since 2018, more than 75,200 beneficiaries in Minnesota have enrolled in a Part D Health Plan (either as a standalone plan or extension of Part C)

The majority of the enrollees sign up for the Original Medicare Health Plan in Minnesota compared to its supplementary plans.

In short, Medicare health insurance has become a vital source of medical support over the years. The residents are provided with multiple choices for medical insurance.

You need to consider these options before applying for Medicare. With the right guidance, you get a chance to acquire coverage that suits your medical expenses. We plan to help you out in this area by discussing the basics and then offering further assistance through free consultations.

ORIGINAL MEDICARE HEALTH INSURANCE IN MINNESOTA:

WHAT ARE YOUR OPTIONS?

FINDING THE PERFECT HEALTH CARE PLAN IS EASIER THAN YOU THINK.

Medicare health plans offer a diverse range of options to beneficiaries. Common healthcare services and expenses are distributed amongst each segment. The enrollee has the right to sign up for health plans that are compatible with their medical needs.

At O’Neal Insurance Group, we offer practical advice to the residents of Minnesota who are eligible for the health plans. With our help, you get a better idea of what each health plan entails and how it benefits you.

Let’s look at the primary Medicare health plans in Minnesota:

ORIGINAL MEDICARE (PART A)

Part A of the Original Medicare Plan covers hospital insurance for its beneficiaries. It allows them to receive coverage for basic inpatient care. This includes everything from nurse care, medications, meals, and semi-private rooms.  You also get coverage for skilled nursing facilities and hospice setups whenever required.

Additionally, health coverage can get extended for home healthcare under critical circumstances. However, individuals on this health plan have to pay for pay copayments, deductibles, and coinsurance associated with hospital care.  

ORIGINAL MEDICARE (PART B)

Part B of the Original Medicare Plan acts as a medical insurance policy. The plan offers financial aid for different types of medical expenses for outpatients. These include services such as doctor appointments, therapy sessions, and medical supplies (e.g., wheelchairs).  Home health care services can be part of this plan if the situation calls for it.

Part A and B act as a standard health coverage plan for Medicare beneficiaries. Many beneficiaries find it limiting due to the exclusion of certain benefits, such as eye, dental, and hearing checkups. That’s why Medicare introduced alternative private plans to accommodate the extra services.

MEDICARE ADVANTAGE (PART C)

Medicare Advantage Plan is the ideal choice for beneficiaries who need additional coverage. All you’ve got to do is sign up with an affiliated insurance company and select a MedicareAdvantage plan.

Most Medicare Advantage plans are seen as a cost-effective alternative to the previous plans. That’s because they offer everything from Original Medicare, along with other medical privileges. These can include vision, dental, and hearing checkups and membership for local wellness programs (e.g., fitness classes).

MEDIGAP (MEDICARE SUPPLEMENT)

The underrated health plan is an appendage for Original Medicare. It covers many of the out-of-pocket expenses associated with your treatments. It includes coverage for many coinsurance, deductibles, copayments, and other medical costs that your initial health plan doesn’t cover.

MEDICARE PRESCRIPTION DRUG (PART D)

As the name suggests, this type of Medicare Health Plan focuses on prescribed drugs. It allows provided coverage for prescribed medicine, which isn’t always included in the Original Medicare health plan.

It’s important to note that your access to affordable drugs might vary according to your ZIP code.

There are two ways to register for this health plan. You can choose a standalone coverage that covers your regular prescription and is compatible with your Original Medicare Health Plan. Alternatively, you can opt for Part D as supplementation with your Medicare Advantage Plan.

On the whole, Medicare provides flexible offerings for the residents of Minnesota. The best idea is to weigh the pros and cons of each type before finalizing your health plan.

ELIGIBILITY REQUIREMENTS FOR MINNESOTA

WHO CAN QUALIFY FOR MEDICARE HEALTH PLANS IN MINNESOTA?

Multiple factors come into play when we discuss eligibility requirements for Medicare Health Plans. These variables include citizenship, age, and health conditions.

Let’s take a closer look at Medicare eligibility:

Federal laws allow every US citizen in Minnesota to qualify for this health insurance plan. If you’re an immigrant, then you must hold a minimum of five-year permanent residency before application.

The applicants must be 65 or above when they register for Medicare. (Terms and conditions vary depending on enrollment periods.)

Residents can receive free-of-cost premiums for Part A if they have paid Medicare taxes for at least ten years.

Medicare disabilities rules allow individuals under 65 to apply for a Medicare Health Plan. The only condition is that they must receive Social Security Disability benefits for a minimum of two years before registration.

Enrollment for Original Medicare is also available to individuals with stage five of CKD (chronic kidney disease) who haven’t turned 65 yet.

Applicants who wish to apply for alternative Medicare plans must sign up for the Original Medicare first.

On the whole, if you are over 65 or have an eligible disability, then you can enroll in a Medicare Health Plan. The only condition is that your chosen health plan must be available in your service area.  Otherwise, you will have to apply for extra medical coverage from your insurance company.

Hint: Medicare disability is for residents who have permanent disabilities and impairment (intellectual and physical).  The rule is beneficial for people who require continuous medical support.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

MEDICARE ADVANTAGE PLANS: A CLOSER LOOK

MAXIMIZE YOUR MEDICAL COVERAGE WITH THE RIGHT MEDICARE ADVANTAGE PLAN.

Medicare Advantage Plans are seen as additional medical coverage for anyone who wants more from their Medicare health plans. Medicare Advantage plans are offered through affiliated healthcare insurance companies to any Medicare beneficiary who wishes to increase their medical coverage.

Unlike Original Medicare, this health plan may cover dental, vision and hearing care and membership to health and wellness programs, along with additional medical services. The medical coverage also covers the hospital and medical insurance that was previously given through Part A and B, respectively.

Moreover, deductibles, copayments, and coinsurance may bemore affordable on this health plan compared to previous models. It’s why beneficiaries often switch to Medicare Advantage Plan.

Let’s look at the main Medicare Advantage Plans available in Minnesota:

HEALTH MAINTENANCE ORGANIZATION (HMO)

The HMO is a network-oriented health plan. That means beneficiaries in this health insurance plan will only receive financial aid if they get treated from chosen healthcare providers and facilities. Policyholders are also required to get a referral from their primary care provider if they wish to see a specialist. Otherwise, they will have to foot their bill.

The benefits include affordable premiums, discounted rates, and complete coverage, and access to certified healthcare providers within their area.

In spite of the advantages, this health insurance plan is still limited. You should consider other options if your treatment is dependent on specialists and healthcare facilities that aren’t on the list.

PREFERRED PROVIDER ORGANIZATION (PPO)

Beneficiaries in this plan can get coverage for the chosen healthcare provider (even if they aren’t in the network). The recipients will, however, have to pay higher out-of-pocket costs. The premium costs depend on the terms and conditions of their healthcare insurance policy.

The advantages of this healthcare plan include flexible offerings and more options, no need for referrals and additional steps, and access to licensed healthcare providers.

These reasons make it the go-to option for beneficiaries in Minnesota.

OTHER MEDICARE ADVANTAGE PLANS

Private Fee-for-Service (PFFS): Beneficiaries are allowed to choose out-of-network healthcare providers without any trouble. The healthcare provider must, however, adhere to their insurance company’s insurance guidelines if you want full coverage.

Special Needs Plan (SNP): The healthcare plan is a hybrid model (HMO+PPO). It is designed for beneficiaries who need special medical services to treat chronic illnesses, disabilities, and severe conditions. The medical coverage is customized according to the individual’s needs.

HOW CAN WE HELP?

O’Neal Insurance Group is offering free consultation services to the residents of Minnesota. Our experienced team is well-versed in all topics regarding the Original Medicare Health Plan and Medicare Advantage Plans. You can approach them before enrollment or to understand the complexities of upgrading your original medical coverage.

They can also nudge you in the right direction if you’re considering alternatives. Contact us to get started.

MISSISSIPPI MEDICARE PLANS

DO YOU NEED A MEDICARE PLAN IN MISSISSIPPI?

At O’Neal Insurance Group, we leverage our years of knowledge and experience in the Medicare health insurance industry to help you select a great plan that offers you the best coverage.

When you’re shopping and comparing Medicare health insurance plans in cities like Jackson MS, Gulfport, Southaven, Hattiesburg, Biloxi, Meridian, Tupelo, Greenville, Poplarville, Picayune, Bay St. Louis, Waveland, Olive Branch, and Horn Lake, Mississippi online, it can seem to be a daunting task, but we make it easier for you with our access to a wide range of health plans and our long-term professional relationships with some of the most reputable insurance companies in the country.

Whether you have comprehensive knowledge about different Original Medicare plans and are seeking a reliable broker in the state of Mississippi, or you want our experts to help you understand the basics of fees for Medicare services, we will guide you at every stage of the process and help you select a Medicare plan, a Medicare Advantage Prescription Drug plan, a Medicare Supplemental Plan or a Medicare Prescription Drug plan that best suits your needs.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

MISSOURI MEDICARE PLANS

ORIGINAL MEDICARE, PRESCRIPTION DRUG COVERAGE AND HEALTH PLANS IN THE STATE OF MISSOURI

Interested in applying for a Medicare health plan in Missouri?

Let O’Neal Insurance Group help you make a well-informed decision!

AN OVERVIEW OF MEDICARE HEALTH INSURANCE IN MISSOURI

Missouri is one of the states where there are strong consumer protections in place for health insurance coverage. Private insurance companies offer Medicare Advantage Plans and Medicare Prescription Drug Plans while fully complying with the standards set by the government. These federal health insurance programs cover senior citizens and disabled individuals in the state.

According to the Centers for Medicare and Medicaid Services (CMS), the state had more than 1.2 million beneficiaries as of 2019. Below are some important statistics that you must know regarding the Medicare trends in Missouri.

More than 7.6 million people in Missouri enrolled in Original Medicare, Part A and/or Part B

Over 463,000 beneficiaries opted for Medicare Advantage and other health insurance plans

There are more than 942,000 beneficiaries in Missouri with Medicare Prescription Drug coverage

More than 534,000 individuals enrolled in a stand-alone Medicare Prescription Drug Plan

While these statistics will certainly convince you of Medicare’s popularity and reliability among the people of Missouri, you may feel a bit overwhelmed, especially if it’s your first time getting enrolled for a health insurance plan.

ORIGINAL MEDICARE HEALTH INSURANCE IN MISSOURI: YOUR OPTIONS

You need to know about your options in detail in order to make the right decision for a secure, happy future!

Whether you’ve celebrated your 65th birthday already or are looking forward to achieving that milestone, you must be equipped with basic knowledge regarding the Medicare health plans in Missouri. Even if you already have a Medicare health plan in place, you may benefit from additional plans. With the right information, you can maximize your health coverage and ensure a worry-free future.

Let’s see which options you have when it comes to Medicare health plans in Missouri.

ORIGINAL MEDICARE (PART A)

This standard plan is managed by the federal government to provide access to hospital coverage. This fee-for-service plan requires you to pay a certain fee to avail each service. In return, the plan covers your medications, hospital meals, and nurse care while you’re in hosptial. In some critical cases, the plan may also cover in-home treatment costs.

ORIGINAL MEDICARE (PART B)

The medical insurance part of the health care plan covers the healthcare costs you incur when you’re not in the hospital. This may include the expenses of doctor visits, ambulance services, lab tests, and therapy sessions.

For hospital and medical insurance, people typically take Part A and B together. Please note that these plans do NOT cover dental care, custodial care, and prescription care.

MEDICARE ADVANTAGE (PART C)

Unlike the above two, this health plan is managed by private insurance companies authorized by Medicare. This alternative plan offers basic benefits from the Original plans (part A and B) as well as some extra privileges, sometimes including dental care, health and fitness sessions, and eye checkups.

MEDIGAP (MEDICARE SUPPLEMENT)

Medigap is a supplementary plan that covers extra out-of-pocket expenses that aren’t covered by the standard plans. With this plan in place, you can enjoy help with out-of-pocket costs, including copayments, coinsurance, and deductibles.

(PART D) MEDICARE PRESCRIPTION DRUG PLAN

This health plan comes in handy when you need coverage for prolonged prescription treatment. It covers the cost of medications prescribed by your healthcare provider. That being said, the list of drugs in this plan may vary depending on your service area. As a beneficiary, you can have to enroll in a standalone Medicare Part D plan that’s compatible with your Original Medicare health plan. Another option is to use this plan as an extension of your Medicare Advantage Plan.

The best way to find out which health plan in Missouri is ideal for you is by determining your medical needs. Our professionals are here to offer you expert guidance throughout the process to ensure that you make a cost-effective decision.

ELIGIBILITY REQUIREMENTS FOR MISSOURI

Learn the requirements you need to fulfill to qualify for a health insurance plan

Like most Medicare health plans, the Missouri plans are available for every U.S. citizen. So, if you’re a native or have a permanent legal residency for at least five continuous years, you can apply for an Original Medicare Plan.

Additionally, you must meet the following requirements:

If you’re aged 65 and above and you receive Social Security, you’re automatically enrolled in the Original Medicare Plan (part A and B).

Part A is premium-free for you if you’ve been paying your Medicare taxes for ten years.

Part B requires you to pay a premium.

If you have a prolonged disability but haven’t turned 65 yet, you can still qualify for healthcare plans. Before enrolment, however, you must be a recipient of social Security disability for at least two years.

If you haven’t turned 65 yet but are suffering from chronic kidney disease (stage 5 at least), you can qualify for Medicare health plans.

Once you’ve enrolled yourself for the Original Medicare Health Plans, you can apply for part C and D. Just make sure that the health plan and desired services are available in your zip code if you want to receive the benefits on your healthcare plan. That being said, you should understand that Medicare disability refers to both permanent physical and mental impairment that warrants continuous treatment.

UNDERSTANDING MEDICARE ADVANTAGE PLANS

Choosing the right advantage plan to secure extra medical coverage!

Offered by private insurance firms in collaboration with Medicare, Medicare Advantage plans include standard healthcare benefits along with additional perks.

The two common Medicare Advantage plans include:

Health Maintenance Organization (HMO)

Health Maintenance Organization (HMO) refers to a network of healthcare providers that offers reduced rates for its members. This means that if you consult with a specialist out of the network, your insurance company won’t cover your medical care cost and you’ll have to pay the bills yourself.

As a beneficiary with HMO, you enjoy increased flexibility in emergency cases since you won’t have to wait for a healthcare provider’s appointment. HMO members need a reference from their Primary Care Provider before they can refer to a specialist.

Preferred Provider Organization (PPO)

Preferred Provider Organization (PPO) allows you to choose your own healthcare specialist and doctors, which means more flexibility. Getting a reference from a primary care provider is optional. If you do so, you can enjoy lower rates. As with HMOs, PPOs also have a network of healthcare providers and so, consulting with a specialist outside of the network will incur out-of-pocket expenses.

Missouri residents who have both Medicaid and Medicare health plans may qualify for a Special Needs Plan (SNP). These plans have networks similar to an HMO or PPO.

LET US HELP YOU WITH YOUR MEDICARE HEALTH PLAN!

At O’Neal Insurance Group, our professionals are fully equipped with the necessary knowledge and resources regarding Original Medicare Health Plans in Missouri. We’ll help you determine the best option that aligns with your specific medical needs and particular circumstances. Contact us to get started.

MONTANA MEDICARE PLANS

There’s something special about turning 65. It’s the year people traditionally retire, and you also qualify for Original Medicare — a health insurance program offered by the government for those who are over 65, or those who are under 65 and have a disability or medical condition.

Montana residents may already know that Medicare Part A and Part B are known as Original Medicare. All of Montana residents who are 65 and older are eligible for Original Medicare plans, which offer coverage for hospitalization and outpatient care costs. In addition to this, Montanans also can opt for alternative health insurance plans that allow them to cover the gaps in their basic Medicare insurance and keep healthcare costs low.

Turning 65? Leaving group insurance? Need Medicare Part A and Part B? Consider Montana Blue Cross Blue Shield and Humana Medicare Advantage PPO and HMO plans.

SELECTING A MEDICARE PLAN THAT’S RIGHT FOR YOU IN MONTANA

From different carriers like  Humana and Blue Cross Blue Shield, to health insurance costs and coverage flexibilities, there is a lot to consider when it comes to selecting a healthcare plan. Being a leading Medicare insurance broker, O’Neal Insurance Group has the knowledge, experience and resources required to offer you a realistic overview of different solutions and help you select the one that’s just right for your healthcare and financial needs.

What is the service area for Blue Cross Blue Shield Medicare Advantage plans? The Blue Cross Blue Shield Medicare Advantage provider network is offered to people that are eligible for Medicare and residing in the counties listed below.

WE SERVICE THE FOLLOWING COUNTIES IN MONTANA

Beaverhead, Big Horn, Blaine, Broadwater, Carbon, Cascade,

Chouteau, Deer Lodge, Fergus, Flathead, Gallatin, Glacier,

Golden Valley, Granite, Hill, Jefferson, Judith Basin, Lake

Lewis and Clark, Liberty, Lincoln, Madison, Meagher, Mineral,

Missoula, Musselshell, Park, Pondera, Powell, Ravalli, Sanders,

Silver Bow, Stillwater, Sweet Grass, Teton, Toole, Treasure, Wheatland and Yellowstone.

WHEN COMPARING PLANS CONSIDER THE FOLLOWING FACTORS:

Annual deductibles

Coinsurance

Copayments

Hospitalization expenses

Monthly premiums

Out-of-pocket costs

Outpatient and preventive care

Prescription drug coverage

Keeping these factors under consideration, we help you compare the different types of Medicare plans listed below and select the most suitable one.

Original Medicare

The term Original Medicare is used for Medicare Part A and Part B, which – together – cover the costs of inpatient and outpatient care. While Medicare Part A incurs no premium cost for most people, enrolling in Medicare Part B requires you to pay an annual premium.

Medicare Advantage (Part C)

Medicare Advantage is a combination of Medicare Part A and B. But, in addition to basic inpatient and outpatient coverage, different Medicare Advantage plans provide coverage for extra benefits, such as prescription drugs and dental procedures.

Medicare Supplement (Medigap)

Also known as Medigap plans, there are 10 different types of Medicare Supplement plans available to the residents of Montana. These plans offer coverage for the out-of-pocket costs that are not covered by Original Medicare plans.

Medicare Prescription Drug (Part D)

As the name implies, Medicare Prescription Drug (Part D) plans provide coverage for prescription drug costs and are best suited for individuals who are required to regularly take certain medicines, such as medicine for hypertension or diabetes.

TYPES OF MEDICARE ADVANTAGE PLANS AVAILABLE IN MONTANA

Since Medicare Advantage Plans offer the combined coverage of Medicare Part A, Part B and Part D, they are considered to be one of the most convenient health insurance products. Some of the Medicare Advantage plans available to the residents of Montana include:

Health Maintenance Organization (HMO)

Preferred Provider Organization (PPO)

Private Fee-for-Service (PFFS)

Medicare Special Needs Plan (SNP)

Medicare Advantage Prescription Drug (MAPD)

HMO Point-of-Service

Each of these Montana Medicare Advantage plans has its own advantages and disadvantages. In order to understand them and make a wise choice, it is important that you work with a reliable and knowledgeable Medicare insurance broker who can provide you a complete and realistic view of all the options and help you select the one that best meets your needs.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

NEVADA MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN NEVADA?

You have a lot of options. Beyond Original Medicare, Medicare enrollees in Nevada have Medicare Part D, Medicare Advantage and Medigap plans to choose from.

Original Medicare is the basic Medicare coverage managed by the federal government. It actually consists of two separate parts. Medicare Part A provides hospital coverage, while Medicare Part B provides medical or outpatient coverage. However, Original Medicare doesn’t cover most prescriptions or things like routine dental care, and it can leave a lot of out-of-pocket costs.

Medicare Part D provides prescription drug coverage. It’s a separate plan sold by private insurance companies, so costs and coverage terms can vary. If you’d rather not have three separate plans, you might consider Medicare Advantage Prescription Drug plans, which are private plans that combine Medicare Parts A, B and D coverage into a single plan. If you want to stick with Original Medicare but you’d like to manage your out-of-pocket costs, you can buy a Medigap plan, also called a Medicare Supplement Insurance plan. Some Medigap policies also provide additional benefits, such as foreign travel emergency health coverage.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

O’Neal Insurance Group can help you review your Nevada Medicare plan options. Contact us to get started.

NEW MEXICO MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN NEW MEXICO?

New Mexico residents looking for over the phone or online help comparing their new or current Blue Cross Blue Shield MAPD, Humana, Aetna or United Healthcare health plan options who live in the service area that includes Bernalillo, Cibola, Guadalupe, Los Alamos, Mora, Rio Arriba, San Miguel, Sandoval, Santa Fe, Socorro, Torrance and Valencia Counties.

O”Neal Insurance Group can help you find an affordable health insurance plan that will offer you coverage for all your needs at no or a reasonable out-of-pocket cost.

As a New Mexico Medicare Advantage agent, we offer online quotes and help for Medicare Supplement (Medigap) plans C, G, F, and N, Blue Cross Blue Shield Medicare Advantage HMO and PPO plans and Medicare Prescription Drug (Part D) plans.

Are you looking for an affordable Original Medicare Part C, health insurance plan?

Maybe you already are enrolled in Original Medicare but are looking for a way to limit your out-of-pocket expenses?

Being a leading UnitedHealthcare, Aetna, Wellcare, Cigna, Blue Cross Blue Shield and Humana Medicare insurance broker in New Mexico, O’Neal Insurance Group offers you a comprehensive range of Medicare health plans to choose from.

Need coverage for the 20% coverage gaps in Original Medicare Part A and Part B, which covers hospitalization and medical costs? Or do you need a Medicare Advantage plan like an HMOs or PPOs that offers you comprehensive coverage? We will help you find the perfect health plan for your needs from our wide variety of health insurance products.

IN ADDITION TO ORIGINAL MEDICARE, WE OFFER:

Medicare Advantage (Part C)

Medicare Advantage plans are an alternative option to Original Medicare, and they are a more convenient way to obtain the coverage offered by Original Medicare. The cost and other details of Medicare Advantage plans depend on the provider you choose. It also is important to understand that after enrolling in Medicare Part C, you still will be required to continue paying your premiums for Medicare Part B.

Medicare Supplement (Medigap)

These plans are offered by private insurance companies but are standardized by Medicare. Standardization means that all Medigap plans offer the same healthcare coverage. However, there are variations when it comes to premiums. In order to opt for Medicare Supplemental plans, you must be eligible for Medicare and be enrolled in Medicare Part A and Part B. The purpose of these plans is to fill the gaps in the coverage offered by Original Medicare. Some of the additional costs covered by Medigap plans include copayments, deductibles and coinsurance.

Medicare Prescription Drug (Part D)

These plans offer stand-alone prescription coverage and are therefore suitable for people who regularly use different medicines for a chronic medical condition. You can purchase coverage alongside your Original Medicare policy or opt for a Medicare Advantage plan that offers prescription coverage.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

SELECTING A MEDICARE HEALTH INSURANCE PROVIDER

When selecting a Medicare health insurance provider, such as Blue Cross Blue Shield or Humana, in New Mexico, it is important to consider the health insurance products they offer and their advantages and disadvantages.

Once you have selected the type of coverage you require, keep the following factors under consideration when comparing them in order to make the right choice:

Annual deductible

At-home recovery coverage

Coinsurance

Copayments

Foreign travel emergency coverage

Medicare Part B extra charges

Monthly premiums

Preventive services coverage

Skilled nursing facility coinsurance coverage

At O’Neal Insurance Group, we understand that collecting all this information for a variety of health plans offered by several different providers can prove to be a time-consuming and overwhelming process for someone who’s not well acquainted with how the health insurance industry works.

Therefore, we offer you the assistance of licensed and professional insurance brokers who have extensive experience and in-depth expertise of New Mexico’s health insurance landscape.

Our ability to stay on top of the latest information in the health insurance industry enables us to offer the residence of New Mexico access to the most comprehensive and affordable health insurance solutions.

We not only help you with the comparison and selection of a health plan; we also help you determine your eligibility for your preferred health insurance solution and complete all the paperwork to accelerate the application process and help you get coverage as efficiently as possible.

Sound confusing? Contact us. One of our Medicare Health Plan Brokers will help you evaluate all your options and provide the information you’ll need to make a smart choice.

NEW YORK MEDICARE PLANS

NEW YORK MEDICARE BENEFICIARIES, DO YOU KNOW ALL OF YOUR MEDICARE OPTIONS?

There are many Medicare plans in New York that you can choose from. Learn about your options so you can select the best Medicare plan for your needs.

Original Medicare consists of Medicare Part A (hospital coverage) and Medicare Part B (medical coverage). It’s a fee-for-service health program managed by the federal government. Many people decide they need more coverage than what Original Medicare offers, so they buy Medicare plans offered by private insurance companies.

Medicare Part D provides prescription drug coverage. Medicare Advantage combines the coverage provided under Medicare Part A and Medicare Part B, while Medicare Advantage Prescription Drug plans also cover Medicare Part D prescription coverage. Many Medicare Advantage plans also offer additional benefits that are not covered under Original Medicare, such as dental care. Then there are the Medicare Supplement Insurance plans, or Medigap plans, which are designed to work with Original Medicare to help control out-of-pocket costs. Medigap plans may also provide additional benefits, such as foreign travel emergency health coverage.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

If you need help understanding your New York Medicare options, O’Neal Insurance Group can help. Contact us to get started.

NORTH CAROLINA MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN NORTH CAROLINA?

Medicare beneficiaries in North Carolina have some big decisions to make. You can choose to stay in Original Medicare, also called Traditional Medicare. If you take this route, you’ll have Medicare Part A hospital coverage and Medicare Part B medical coverage. If you also want prescription drug coverage, you can buy a Medicare Part D prescription drug plan. If you want to control your out-of-pocket costs and maybe get some extra benefits, you can buy a Medicare Supplement Insurance plan, which is also called a Medigap plan. There are multiple Medigap and Medicare Part D plans to choose from in North Carolina.

If you would prefer to streamline coverage, you can buy a Medicare Advantage plan. Sometimes called Medicare Part C, these plans combine Medicare Part A and Medicare Part B coverage into a single plan offered by private insurance companies. Most Medicare Advantage plans also provide prescription drug coverage, and these plans are called Medicare Advantage Prescription Drug plans. Many Medicare Advantage plans also offer additional benefits, like routine dental care, which is not covered under Original Medicare.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

That’s a lot of options! O’Neal Insurance Group can help you compare Medicare plans in North Carolina. Contact us to get started.

OHIO MEDICARE PLANS

ORIGINAL MEDICARE HEALTH PLANS IN OHIO AT A GLANCE

Did you know that more than  2 million people are already using a Medicare health plan in Ohio?

As in any other state, they have their own choices to make in terms of the multiple Medicare health plan options available in Ohio. You may know the state for the popular Rock and Roll Hall of Fame or perhaps the Cleveland Clinic (a leading name in the health education and research arena), but you should also know that it is home to over 2.3 million Medicare beneficiaries according to the 2019 data from the Centers for Medicare and Medicaid Services.

Below are some additional interesting statistics that you should know:

Over 1.3 million beneficiaries are enrolled in Original Medicare Health Plans (Part A and/or B)

More than 1 million beneficiaries have Medicare Advantage or other health plans

Over 1,868,000 Ohio residents have enrolled in Medicare Part D

More than 1 million individuals have a stand-alone Medicare Prescription Drug Plan in place

Please note that all sponsors of Medicare Advantage plans and Medicare Prescription Drug Plans must sign a contract with Medicare before they start offering Medicare health insurance plans, be it Medicare HMO or Medicare Part D Prescription Drug Plan, to Ohio residents.

It’s also important to understand that not all health plans may be available across the state. Whether or not a particular plan is available in your service area will depend on the contract terms between that plan and Medicare. On an annual basis, the sponsors are required to renew their contract with Medicare to continue offering the health plans to the residents. This also means that the availability of a certain plan in your specific service area is subject to change depending on the renewal of the contract.

ORIGINAL MEDICARE HEALTH INSURANCE IN OHIO:

CONSIDERING YOUR OPTIONS

Knowing and understanding your options is the key to choosing the ideal Medicare health plan in Ohio. Whether your disability has qualified you for a health plan or you’re going to turn 65 soon, being equipped with the right information will help you maximize your insurance coverage and cut down unexpected healthcare costs.

Let’s dive in to find out what each Medicare health plan has in store for you:

ORIGINAL MEDICARE (PART A)

You may know Part A of the Original Medicare Plan as the ‘hospital insurance’ part. As it suggests, this scheme covers general hospital expenses. Think of basic services, such as nurse care and daily meals, and treatments and medication, that are required during hospital care. This plan also covers the costs of an inpatient care, expert nursing facility care, and sometimes even a hospice setup. In some critical cases, you may also get coverage for home healthcare services.

That being said, be informed that the services offered by this plan may come with some charges, including coinsurance, copayments, and deductibles.    

ORIGINAL MEDICARE (PART B)

You may think of Part B as the ‘medical insurance’ part of the program. This plan covers out-of-hospital medical expenses, including that of ambulance services, lab tests, doctor visits, special medical supplies, and therapy sessions. This plan may cover home healthcare services in some scenarios.

Please note that Ohio beneficiaries can enroll in both Part A and B to get hospital and medical coverage together. Some patients may not find these plans fulfilling, as they don’t cover basic checkups for eyes and teeth, prescription medications, and custodial care.

MEDICARE ADVANTAGE (PART C)

Medicare Advantage Plans are those offered by private insurance companies in collaboration with Medicare. This alternative health plan offers the aforementioned benefits of the Original Medicare Health Plans (Part A and B) along with additional perks. These privileges can include routine vision, dental, and hearing checkups as well as prescription drug coverage and health and fitness sessions.  

MEDIGAP (MEDICARE SUPPLEMENT)

Medigap is a complementary plan that covers the medical costs that are not covered by Original Medical care. In simple words, it provides coverage for copayments, coinsurance, and deductibles along with supplemental benefits.

(PART D) MEDICARE PRESCRIPTION DRUG PLAN

Medicare Part A covers prescriptions during hosptial stays, and Medicare Part B covers certain prescriptions. However, when it comes to prolonged prescription treatment, Medicare beneficiaries  have to enroll in a Medicare Prescription Drug Plan (Part D). This plan covers the cost of prescription medications as per the advice of a healthcare provider. Please note that the list of drugs covered under this plan may vary from one service area to another.

Beneficiaries have the option to apply for a stand-alone plan that aligns with their Original Medicare Health Plan in Ohio. They may also use it to extend their Medicare Advantage Plans.

All in all, what you must understand is that different Medicare health plans cover different aspects of healthcare. The idea is to get yourself enrolled in a plan that meets your specific health needs and requirements while reducing your expenses.

THE HMO, PPO, SUPPLEMENTAL HEALTH INSURANCE PRODUCTS WE OFFER AT O’NEAL INSURANCE GROUP CAN BE CATEGORIZED INTO THE FOLLOWING TYPES:

The good news is that Original Medicare Health Plans in Ohio are accessible for all U.S. citizens. On top of that, all legal residents who have been living in the state for at least five continuous years also qualify.

Apart from this, you must know about the following eligibility requirements for an Original Medicare Health Plan in Ohio.

Citizens must be 65 years old and qualify for Social Security. Those who already have Social Security are automatically enrolled in Original Medicare Health Plan (Part A and B).

Citizens who have been paying Medicare taxes for ten years get Part A  premium-free.

Individuals with a prolonged disability can also qualify for Medicare health plans before the age of 65. They must, however, get two years’ worth of Social Security disability before applying for Medicare.

Individuals with Chronic Kidney Disease (stage 5) can also get a Medicare health plan before turning 65.

Please note that the eligibility requirements for Part C and D are the same. You can simply apply for them after getting yourself enrolled in the Original Medicare Health Plan in Ohio. Just make sure that your health plan and required services are available in your ZIP code, or else you won’t receive the benefits on your current plan.

MEDICARE ADVANTAGE PLANS

As discussed earlier, Medicare offers Medicare Advantage and Medicare Supplement health insurance plans for beneficiaries who are interested in getting additional coverage. Authorized by private insurance firms working in coordination with Medicare, these plans offer the standard healthcare benefits along with extra perks.

Below are the two common types of Medicare Advantage Plans in Ohio.

Health Maintenance Organization (HMO)

The Health Maintenance Organization (HMO) offers a network of healthcare providers and professionals to the beneficiaries. By using the services offered by them, beneficiaries can get discounted rates and insured medical services.

It is crucial to note that beneficiaries can only use the services of the healthcare providers that are a part of the HMO network in order to avail the benefits. Moreover, when consulting with a specialist, they will have to get a referral from your primary care provider. If they visit an alternative hospital, they will have to pay the fee in full.

Preferred Provider Organization (PPO)

Beneficiaries who are looking for extra flexibility with their health plans opt for the Preferred Provider Organization (PPO). They can not only receive treatment from the healthcare providers in the network but also external facilities. For out-of-network services, they just have to pay extra.

What’s more?

Beneficiaries can go for the Private Fee-For-Service (PFFS) plan to be free to choose a healthcare provider of their own choice. Please note that the provider you choose will have to adhere to the guidelines of your insurance company if you want the company to pay your treatment costs.

Apart from this, Ohio residents with chronic health conditions and disabilities can opt for the Special Needs Plan (SNP). This hybrid plan is made for those who require specific healthcare services from their health insurance.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

WHEN SHOULD YOU APPLY FOR AN ORIGINAL MEDICARE HEALTH PLAN IN OHIO?

YOU GET THREE CHANCES TO ENROLL IN THE MEDICARE HEALTH PLAN.

Ohio residents have multiple opportunities to apply for Medicare. If they are receiving Social Security when they turn 65, they may be automatically enrolled in Medicare. Otherwise, they can simply contact the Social Security headquarters in the state to achieve all the benefits.

Some employers also offer Part A in their health insurance plans for old-age employees.

You should take notes of the following three enrollment periods:

INITIAL ENROLLMENT

Beginning three months before the 65th birthday of a citizen, the initial enrollment period lasts for seven months. For example, if you turn 65 in May 2023, you have the time from February to August 2023 to apply for Medicare.

SPECIAL ENROLLMENT

Beneficiaries who choose not to apply during the initial enrollment period due to an employee-based group plan (either through their job or their spouse’s) get a special date after the expiration of their previous coverage. From then, this enrollment period lasts for eight  months.

GENERAL ENROLLMENT

The general enrollment period runs from January to March on an annual basis.

Note: Residents who fail to sign up for Part B during their initial enrollment may be charged a penalty of 10% premium based on the delay, which usually lasts throughout the Medicare coverage.

HOW CAN WE HELP?

Choosing the right Original Medicare Health Plan in Ohio is not an easy decision. You need to determine your specific healthcare needs and requirements as well as understand the nitty-gritty of each plan. Our expert team at O’Neal Insurance Group can assist you throughout and provide you with professional insights and necessary resources. We’ll make sure that you get the perfect Original Medicare Health Plan in Ohio.

The best thing is that the initial consultation session with our experts is FREE. Contact us to get started.

OREGON MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN OREGON?

You have a lot of options. Beyond Original Medicare, Medicare enrollees in Oregon have Medicare Part D, Medicare Advantage and Medigap plans to choose from.

DIFFERENT MEDICARE HEALTH PLANS IN OREGON

Whether you’ve recently met Medicare eligibility requirements or are already an Oregon beneficiary, you may wonder what different options you have to choose from to maximize your health insurance.

Below is a list of the Medicare Health Plan options in Oregon:

ORIGINAL MEDICARE (PART A)

Part A refers to the hospital insurance part of the Medicare program. This federal plan offers basic in-patient coverage for hospitals other healthcare facilities that accept Medicare. This means that you’ll get hospital meals, medications, and nurse care covered. In return, you’re required to pay a certain fee. This plan may also cover in-house treatment costs in some serious cases.

ORIGINAL MEDICARE (PART B)

Part B offers medical insurance, i.e. coverage for healthcare costs that are incurred when you’re not in the hospital. This generally includes the costs of visiting the doctor, ambulance services, special medical supplies, and lab tests.

To receive both hospital and medical insurance, beneficiaries typically take Part A and B together. These plans don’t cover the costs of dental and eye check-ups, prescriptions, and custodial care.

MEDICARE ADVANTAGE (PART C)

Medicare Advantage Plans are alternative plans offered by private insurance companies in collaboration with Medicare. These plans offer extra perks, such as routine dental and eye check-ups and prescription care along with the standard benefits from Original Medicare Health Plans.

MEDIGAP (MEDICARE SUPPLEMENT)

This supplemental plan covers extra healthcare costs that aren’t covered by the basic plans. You can apply for this plan to get your copayments, coinsurance, and deductibles covered.

(PART D) MEDICARE PRESCRIPTION DRUG PLAN

Part D covers the costs of prescriptions given by a healthcare provider. After checking the list of drugs for your specific service area, you can simply apply for a stand-alone Part D plan that complements your Original Medicare plan. You can also use Part D as an extension of the Medicare Advantage Plan.

ELIGIBILITY CRITERIA FOR MEDICARE HEALTH PLANS IN OREGON

All U.S. citizens are eligible to apply for Medicare Health Plans in Oregon. Individuals with a permanent legal U.S. residency for five continuous years also qualify. Additionally, below are the eligibility requirements:

Residents aged 65 and above with Social Security automatically qualify for the Original Medicare Plan

Residents who have been paying Medicare taxes for ten years get premium-free Part A.

A premium fee is required for Part B.

Residents with a prolonged disability who have been receiving Social Security disability for two years also qualify, even if they aren’t 65 yet.

Residents suffering from Chronic Kidney Disease (stage 5) also qualify regardless of their age.

After enrolling for Original Medicare plans, you can apply for Part C and D. To avail full benefits, the health plan and its services need to be available in your ZIP code.

MEDICARE ADVANTAGE PLANS

Maximize your medical coverage with the right advantage plan.

To enjoy the standard benefits along with extra perks under Medicare Advantage Plans, you’ll have to pay copayments, deductibles, and coinsurance. These plans come with a lower premium though.

The two common Medicare Advantage Plans are:

Health Maintenance Organization (HMO)

HMO is a network of healthcare providers that offer reduced rates for beneficiaries. This means that you’ll have to pay the bills yourself if you consult with any healthcare provider outside the network. Note that you’ll need a reference from your primary care provider to be referred to a specialist.

Preferred Provider Organization (PPO)

PPOs offer increased flexibility by allowing you to choose a healthcare provider of your choice. You may, however, get a reference from your primary doctor to enjoy even lower rates. Note that choosing a doctor outside of the network will result in additional costs.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

NEED HELP WITH YOUR MEDICARE HEALTH PLAN IN OREGON?

At O’Neal Insurance Group, our experts are more than willing to share the necessary knowledge and resources regarding Original Medicare Health Plans in Oregon with you. We’ll determine your specific medical needs and requirements to help you choose the best health plan option that secures your future. Contact us to get started.

PENNSYLVANIA MEDICARE PLANS

ARE YOU LOOKING FOR MEDICARE PLANS IN PENNSYLVANIA?

Good news! You have a lot of great Medicare plan options to consider. Original Medicare is sometimes called Traditional Medicare. It’s the basic fee-for-service Medicare program managed by the federal government. When you enroll in Original Medicare, you’re actually enrolling in two separate plans: Medicare Part A delivers hospital insurance and Medicare Part B delivers medical insurance for outpatient care and doctor visits.

Many Medicare enrollees want more coverage, so they buy Medicare plans offered by private insurance companies. Medicare Part D provides prescription drug coverage. Alternatively, you can buy a Medicare Advantage Prescription Drug plan to get all of your Medicare Part A, Medicare Part B and Medicare Part D coverage in a single plan. Medicare Advantage plans typically use networks of doctors, and most of them offer additional benefits not provided under Original Medicare, such as routine dental care. If you don’t want to enroll in Medicare Advantage, you might want to consider buying a Medicare Supplement Insurance plan to help control your out-of-pocket costs in Original Medicare.

EXPERIENCE THE O’NEAL DIFFERENCE

Medicare enrollees in Pennsylvania have many Medicare Part D, Medicare Advantage and Medicare Supplement Insurance plans to choose from. You may also qualify for Special Needs Plans depending on your circumstances. O’Neal Insurance Group can help you review your Medicare options. Contact us to get started.

SOUTH CAROLINA MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN SOUTH CAROLINA?

You have a lot of options. Beyond Original Medicare, Medicare enrollees in South Carolina have Medicare Part D, Medicare Advantage and Medigap plans to choose from.

In South Carolina, Medicare beneficiaries have access to many great Medicare options. Basic Medicare coverage is provided through Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Together, Medicare Parts A and B are known as Original Medicare or Traditional Medicare. Original Medicare is a fee-for-service program managed by the federal government.

Many people in South Carolina decide to enroll in additional Medicare plans offered by private insurance companies as a way of securing extra benefits and managing out-of-pocket costs. For example, if you need prescription drug coverage, you can buy a Medicare Part D plan. Alternatively, you can buy a Medicare Advantage Prescription Drug plan, which combines all the coverage from Medicare Part A, Medicare Part B and Medicare Part D into a single plan. Instead of Medicare Advantage, another option is to buy a Medigap or Medicare Supplement Insurance Plan, which works with Original Medicare. Medigap plans sometimes provide extra benefits, but one of their main appeals is that they can help manage out-of-pocket costs.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

TENNESSEE MEDICARE PLANS

AN OVERVIEW OF ORIGINAL MEDICARE HEALTH INSURANCE IN TENNESSEE

Did you know that more than 1 million people in Tennessee are enjoying the benefits of Medicare health plans?

Here are a few facts regarding 2019 Medicare enrollment in Tennessee according to the Centers for Medicare and Medicaid Services:

Over 811,000 people enrolled in Original Medicare Health Plan in Tennessee (Part A and B).

The number of beneficiaries who opted for Medicare Advantage and other health insurance plans surpassed 550,000.

More than 1,035,000 beneficiaries enrolled in stand-alone Medicare Prescription Drug Plans and Medicare Advantage Plans with prescription drug coverage.

The total number of Medicare beneficiaries in the state is more than 1,361,000.

Please note that not all plans are available in all service areas. It depends on the terms and renewal of contracts between private insurance companies and Medicare.

WHAT ARE YOUR OPTIONS WITH MEDICARE HEALTH PLANS IN TENNESSEE?

The first step to choosing the best Medicare health plan is to understand the options you have. Even if you have a few years before you turn 65 or you already have a health plan in place, exploring your options is always a good idea.

ORIGINAL MEDICARE (PART A)

Part A is the ‘hospital insurance’ part of the Medicare program. This federal plan ensures coverage for hospitals, healthcare professionals, and other healthcare facilities that accept Medicare. It is a fee-for-service plan, meaning that you’ll have to pay a certain fee for each service. In return, you’ll get coverage for nurse care, medications, and meals while in the hospital.

ORIGINAL MEDICARE (PART B)

Part B or ‘medical insurance’ part of the Medicare program offers coverage for the healthcare expenses incurred outside the hospital setting. This includes ambulance trips, doctor visits, lab tests, and special medical equipment. These plans don’t cover the costs of dental, prescription, and custodial care. Beneficiaries take part A and B together to benefit from both medical and hospital insurance.

MEDICARE ADVANTAGE (PART C)

Unlike Part A and B, part C is managed by private insurance firms that work in collaboration with Medicare. Medicare Advantage Plans combine the benefits from Plan A and B with extra perks, including dental and vision check-ups, and fitness classes.

MEDIGAP (MEDICARE SUPPLEMENT)

Medigap covers many out-of-pocket healthcare expenses and extra costs that aren’t covered by the standard plans. With this supplementary plan, you can get coverage for copayments, deductibles, and coinsurance.

(PART D) MEDICARE PRESCRIPTION DRUG PLAN

Part D offers coverage for medications prescribed by your healthcare provider. Please check the list of drugs in your service area before opting for this plan. You can simply enroll in a stand-alone Medicare Part D plan or use this plan as an extension of your Medicare Advantage Plan.

ARE YOU ELIGIBLE FOR A MEDICARE HEALTH PLAN IN TENNESSEE?

Who Can Qualify for Medicare Health Plans?

All U.S. citizens qualify for Medicare Health Plans. Additionally, people who have had a permanent legal U.S. residency for five continuous years are also eligible to apply.

Below are the requirements you must fulfil to qualify for a Medicare health insurance plan.

People aged 65 and above who have Social Security automatically qualify for Medicare Part A and B.

Part A is premium-free for people who have paid Medicare taxes for  ten years.

For Part B, you need to pay a premium.

People with a prolonged disability who have been receiving Social Security Disability for two years also qualify, regardless of their age

People with Chronic Kidney Disease (stage 5) are also eligible to apply even if they haven’t turned 65.

After qualifying for the Original Medicare Health Plans, you can easily apply for Part C and D. To avail full benefits, make sure that the health plan/s you choose along with your desired services are available in your service area.

MEDICARE ADVANTAGE PLANS

With Medicare Advantage Plans, you get the basic benefits of the Original Medicare plan as well as complimentary benefits. In return, you have to pay for copayments, deductibles, and coinsurance.

Health Maintenance Organization (HMO)

With HMO, beneficiaries get access to a network of healthcare providers at reduced rates. This allows for great flexibility by eliminating the need for scheduling appointments. However, if you consult with a professional outside of the network, your insurance company may not pay for your expenses. Please note that all beneficiaries are required to get a referral from their primary healthcare provider to be connected with a specialist.

Preferred Provider Organization (PPO)

With PPO, you get to choose the healthcare provider of your choice while enjoying greater flexibility. While getting your primary care provider’s reference is optional, doing so ensures much lower rates. Just like HMO, PPO also has a network of medical professionals and so, consulting with an out-of-network doctor will result in extra expenses.

When comparing plans, consider the following:

Annual deductible

Co-payment amounts

Coinsurance

Out of network coverage

Coverage for alternative therapies

Premium costs

Coverage for preventive care and more

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

HOW TO ENROLL IN A MEDICARE HEALTH PLAN IN TENNESSEE

Let’s make it clear that the enrollment process is quite simple. If you’ve signed up for Social Security, you automatically become eligible to apply for Medicare. If not, you can simply call Social Security or get yourself enrolled through the website.

Typically, you can sign up during the following enrollment periods.

INITIAL ENROLLMENT

The initial enrollment period starts three months before your 65th birthday and lasts for seven months.

SPECIAL ENROLLMENT

This period is for those who miss the initial enrollment period because they have job-based group coverage. This period starts as soon as your coverage ends and lasts for about eight months.

GENERAL ENROLLMENT

The general enrollment period is from January to March every year. Eligible candidates can apply for a Medicare health plan in Tennessee during these months.

NEED HELP WITH A MEDICARE HEALTH PLAN IN TENNESSEE?

The O’Neal Insurance Group is at your service!

Our insurance professionals are well-equipped with valuable information and resources to help you make a well-informed decision. We’ll ensure that you choose the best health plan today for a stress-free tomorrow! Contact us to learn more.

TEXAS MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN TEXAS?

Let O’Neal Insurance Group help you navigate through the complex health insurance options and find the one that best suits your needs and budget.

When browsing through the different Medicare plans available in Texas, it can be difficult and overwhelming to find the one that meets your needs and budget. With so many health insurance solutions available, how does someone know if they are eligible for a particular plan? Or if a particular health insurance solution will fulfill their needs? This is where O’Neal Insurance Group can help.

We are one of the leading Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug health plan brokers in the great state of Texas. We work with a wide range of reputable insurance companies to offer you the most comprehensive and affordable health plan options.

We not only help you compare different solutions at no cost to you, but we also help you determine whether or not a particular plan complements your healthcare and financial needs. Our objective is to help you find a plan that covers your healthcare needs in the most affordable way possible.

O’NEAL INSURANCE GROUP — A REPUTABLE TEXAS MEDICARE ADVANTAGE HMO AND PPO INSURANCE BROKER.

At O’Neal Insurance Group, we make health insurance simple. We listen to your needs, provide you with a range of health plans, and help you understand the benefits and drawbacks of each of them, enabling you to make a well-informed decision.

Whether you have just turned 65 and want to gain an in-depth understanding of Original Medicare Part A and Part B, or you are already enrolled in Original Medicare and want us to find a supplemental solution to fill gaps in your basic health coverage, we will guide you through the entire process and help you make the right choice.

TYPES OF MEDICARE HEALTH PLANS OFFERED AT O’NEAL INSURANCE GROUP

Original Medicare Part A and Part B

Together, Medicare Part A (hospital insurance) and Part B (medical insurance) comprise Original Medicare. Qualifying for Original Medicare allows you to get coverage for hospitalization and outpatient care costs. However, there are a number of costs that Medicare Part A and B do not cover, such as prescription costs, co-pays, and more. You may qualify for Original Medicare if you are 65 or older and eligible for Social Security benefits or if you are under 65 and have a medical disability.

Medicare Advantage (Part C)

Medicare Part C, also called Medicare Advantage, is an alternative solution to Original Medicare. These plans are offered by private insurance companies. They provide the benefits covered under Original Medicare and often provide additional benefits, such as prescription coverage and vision, dental and hearing coverage. Medicare Supplement (Medigap)

If you are unable to afford the out-of-pocket expenses and premiums associated with Original Medicare, you may want to opt for a Medicare Supplement plan, which offers you coverage for some of the costs not covered under Original Medicare, such as copayments, deductibles, and other out of pocket costs.

Medicare Prescription Drug (Part D)

These plans add prescription drug coverage to your Original Medicare plan, allowing you to avoid the out-of-pocket expenses associated with prescription medicines. Medicare Part D plans are best suited for you if you regularly use different medicines for the management of a chronic medical condition, such as diabetes or hypertension.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

ENROLL IN THE TEXAS MEDICARE PLAN THAT MEETS YOUR NEEDS

I you are 65 years or older or have a medical disability, O’Neal Insurance Group can help you enroll in the Medicare health plan that will meet or exceed you healthcare needs.

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

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?

What is the service area for Blue Cross Medicare Advantage?

ARE YOU READY TO ENROLL IN A TEXAS MEDICARE HEALTH PLAN? EXPERIENCE THE O’NEAL DIFFERENCE

When you choose to work with one of our agent/brokers you will:

Get knowledgeable and reliable advice from our licensed agents.

Be provided with an array of health plans to choose from.

Receive guidance to help you select a health plan that offers maximum coverage at the most reasonable price.

Contact us to get started.

UTAH MEDICARE PLANS

Do You Need Utah Medicare Coverage?

If you live in Utah and qualify for Medicare insurance, you have many great Medicare plans to choose from.

You can decide to stay in Original Medicare, which is also sometimes called Traditional Medicare. Original Medicare consists of both Medicare Part A, which provides hospital insurance, and Medicare Part B, which provides medical insurance out outpatient care. However, Original Medicare does not provide prescription coverage, so if you need insurance for your prescriptions, you’ll also want to buy a Medicare Part D prescription drug plan. Original Medicare can also leave a lot of uncovered costs with no out-of-pocket limit, so you might want to consider buying a Medicare Supplement Insurance plan (sometimes called a Medigap plan) to help control your costs. Some Medigap plans also provide additional benefits, such as foreign travel emergency health coverage.

If you want to simplify your Medicare coverage, Medicare Advantage may be the right fit for you. Medicare Advantage plans combine all the coverage normally provided under Medicare Parts A and B, and most also offer prescription drug coverage and additional benefits, such as dental care.

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

Because Medicare Advantage, Medigap and Medicare Part D plans are offered by private companies, you have many plan options to choose from. O’Neal can help you find a Utah Medicare plan that meets your needs. 

Contact us to get started.

WISCONSIN MEDICARE PLANS

LOOKING FOR MEDICARE PLANS IN WISCONSIN?

You have a lot of options. Beyond Original Medicare, Medicare enrollees in Wisconsin have Medicare Part D, Medicare Advantage and Medigap plans to choose from.

DIFFERENT OPTIONS FOR A MEDICARE HEALTH PLAN IN WISCONSIN

The key to maximizing your health insurance coverage and securing your future is to explore and understand your options. The following are the options you have for a Medicare health plan in Wisconsin.

ORIGINAL MEDICARE (PART A)

Part A or the hospital insurance part of the Medicare program offers coverage for hospitals and healthcare facilities. This includes nurse care, medications, and hospital meals during hospitalization. Provided by the federal government, this fee-for-service plan requires you to pay a copay or coinsurance for each service.

ORIGINAL MEDICARE (PART B)

Part B, or the medical insurance part of the Medicare program, covers the healthcare costs incurred outside the hospital. This includes the costs of doctor visits, ambulance services, medical lab tests, and any special medical supplies or equipment.

It’s important to understand that the Original Medicare plan (Part A and B) doesn’t provide coverage for dental care, prescriptions, and custodial care. Beneficiaries typically enroll in these plans together in order to receive both hospital and medical insurance.

MEDICARE ADVANTAGE (PART C)

Contrary to Part A and B, Medicare Advantage Plans are offered by private insurance companies that are working in collaboration with Medicare. These plans not only provide the basic benefits of standard Original Medicare plans but also offer extra perks and benefits. With many Part C plans, you can access dental care, eye check-ups and health and wellness classes.

MEDIGAP (MEDICARE SUPPLEMENT)

Medigap is a supplemental plan that covers any additional healthcare costs and unexpected expenses that aren’t covered by the standard plans. With this plan, you get coverage for copayments, coinsurance, and deductibles.

(PART D) MEDICARE PRESCRIPTION DRUG PLAN

Part D covers the costs of prolonged prescription treatment advised by a healthcare provider. Before enrolling in this plan, you must first check the list of drugs in your service area as it may vary from one area to another. You may either apply for a stand-alone Part D plan or use it as an extension of your Medicare Advantage Plan.

DO YOU QUALIFY FOR A MEDICARE HEALTH PLAN IN WISCONSIN

The eligibility requirements for a Medicare Health Plan in Wisconsin are simple and straightforward. All U.S. citizens aged 65 or above can apply. Moreover, those who have been living in the country as a permanent legal resident for five continuous years also qualify for Medicare.

Additional facts are stated below:

People who are 65 or older with Social Security automatically qualify for the Original Medicare plan (Part A and B).

People who have been paying their Medicare taxes for ten years can get Part A premium-free.

People have to pay a premium for Part B.

People with a prolonged disability who have been receiving Social Security Disability for two years can also apply even before their 65th birthday.

People who haven’t turned 65 can also apply if they have a Chronic Kidney Disease (stage 5).

Once you have enrolled in the Original Medicare Health Plan in Wisconsin, you can easily apply for Part C and D. Just make sure that your plan and its services are available in your ZIP code in order to avail all the benefits.  

MEDICARE ADVANTAGE PLANS: A CLOSER LOOK

Maximize your medical coverage with the right Medicare Advantage plan.

Medicare Advantage Plans offer the benefits of the standard Medicare plans along with extra perks in exchange for coinsurance, copayments, and deductibles.

The following are the two common types of Medicare Advantage Plans in Wisconsin:

Health Maintenance Organization (HMO)

Health Maintenance Organizations allow beneficiaries to avail healthcare services at reduced rates from healthcare providers in the network. In case you opt for a doctor who’s not a part of the HMO network, you’ll have to pay your bills yourself. Please note that you’ll have to get a referral from your primary healthcare provider in order to consult with a specialist.

Preferred Provider Organization (PPO)

This plan allows greater flexibility by allowing you to choose any healthcare provider of your choice. It’s optional to get a referral from your primary healthcare provider but if you do so, you can enjoy much lower rates. Just like HMOs, PPOs have a network of medical providers. If you opt for one outside the network, you’ll have to pay for the expenses out of your pocket.

ENROLLMENT IN A MEDICARE HEALTH PLAN IN WISCONSIN

YOU GET THREE CHANCES TO ENROLL IN THE MEDICARE HEALTH PLAN.

People with Social Security automatically become eligible for Medicare in Wisconsin. Others can simply call Social Security or sign up through the website.

There are three enrollment periods when you can apply for a Medicare plan. Let’s discuss each below.

INITIAL ENROLLMENT

This period starts three months before you turn 65 and lasts for seven months.

SPECIAL ENROLLMENT

People who don’t apply for a Medicare health plan during the initial period because they have group coverage through their job or their spouse’s job get access to a special period once their coverage ends. This period lasts for eight months.

GENERAL ENROLLMENT

The general enrollment period comes every year from January to March. During this period, eligible candidates can apply for a Medicare plan.

OUR MEDICARE CARRIER PARTNERS

O’Neal is an independent agency that works with all the following Medicare carrier partners. Please note that not every carrier is available in every state. Please talk to an O’Neal broker or use our online enrollment tool to explore the options in your area.

Aetna

Allwell

Anthem

Blue Cross and Blue Shield

Banner

Cigna Medicare

Devoted Health

Guarantee Trust Life Insurance Company (GTL)

Humana

Scan

United Healthcare

WellCare

Mutual of Omaha

Zing Health

NEED HELP WITH YOUR MEDICARE HEALTH PLAN IN WISCONSIN?

At O’Neal Insurance Group, our experts are more than willing to share the necessary knowledge and resources regarding Original Medicare Health Plans in Wisconsin with you. We’ll determine your specific medical needs and requirements to help you choose the best health plan option that secures your future. Contact us to get started.