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Health Medicare or Healthcare Plan Your Way
Choosing the right Healthcare plan is important.
We’re here to help.


Want some guidance? Work with a broker.
We provide free, unbiased advice, education and enrollment assistance – always abiding by our strict code of ethics.
You can call us anytime at 1-888-259-3339 (TTY:711), or use our form to schedule a remote or in-person appointment with a licensed agent (depending on where you live).
Prefer to shop on your own?
Our online enrollment tools makes it easy to compare your Medicare options.
When you click the button below, you’ll see two options: You can either enter your ZIP code to view the plans available in your area, or use our plan-finder tool to receive helpful guidance.
Your Medicare Menu
Here’s a quick look at your options.
Original Medicare (A+B)
Lowest Cost
Medicare Supplement
Moderate Cost
Medicare Part D
Higher Cost
Medicare Advantage (Part C)
Highest Cost
Medicare Solutions for Every Scenario
Frequently Asked Questions
Have Questions About Medicare?
Do you have questions about your Medicare coverage?
Like how to apply or join.
Call 1-800-MEDICARE (1-800-633-4227) can help. TTY users should call 1-877-486-2048. What should you have ready when I call 1-800-MEDICARE? Have your Medicare claim number from your red, white, and blue Medicare card available.
An O’Neal Insurance Group Broker are only a phone call or screen share meeting away.
We re private independent broker agency and are not compensated, endorsed nor are we affiliated in any way with government or state agency CMS/Medicare/Social Security Administration.
Call us for a FREE private consultation.
1-888-259-3339 TTY:711
By calling our number the person on the other end is a licensed insurance broker. And Not endorse Associated are employed by Medicare/CMS/Social Security Administration
Retiring?
When can you start enrollment two months prior to retiring, check with your employer benefits or HR (human resources administrator) pay special attention to timelines and always keep a copy of your proof of credible coverage to avoid penalty. Make sure your transition is smooth and carefully thought out.
Turning 65?
Congratulations! Medicare is the silver lining for many turning 65. For many this will be the first Health Care insurance they have ever had. And other financial relief from rising cost of a group or independent health or drug plan. Give one of our brokers a call we are happy to help.
Under 65?
Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease). There is a five month waiting period after a beneficiary is determined to be disabled before a beneficiary begins to collect Social Security Disability benefits. People with ESRD and ALS, in contrast to persons with other causes of disability, do not have to collect benefits for 24 months in order to be eligible for Medicare. Are you approaching 24 months of SSDI or you are currently undergoing a transplant of some kind?
This can have many moving parts. Give us a call we can help you understand your options.
I can’t afford my prescriptions. What are my options?
The Medicare program has a program called Extra Help. It offers financial assistance to qualified individuals who have low incomes. Extra Help can include payments for premiums, deductibles, and coinsurance costs.
What is “Extra Help” and how it applies to your Part D prescription drug plan and coverage?
Extra Help is a program to help people with limited income and resources pay Medicare prescription drug program costs, like premiums, deductibles, and coinsurance. If you qualify for Extra Help, you won’t pay a late enrollment penalty when you join a Medicare drug plan.
If you get Extra Help but you’re not sure if you’re paying the right amount, call your drug plan. Your plan may ask you to give information to help them check the level of Extra Help you should get.
Medicaid Eligible?
Medicaid is a joint federal and state program that:
- Helps with medical costs for some people with limited income and resources
- Offers benefits not normally covered by Medicare, like nursing home care and personal care services
Who is eligible for Medicare?
Individuals at least 65 years of age, individuals who have been on disability for at least 24 months, and individuals with either ALS or ESRD are eligible for Medicare.
Already on Medicare?
Medicare isn’t part of the Health Insurance Marketplace®, so if you have Medicare coverage now you don’t need to do anything.
The Marketplace won’t affect your Medicare choices or benefits. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan (like an HMO or PPO), you won’t have to make any changes.
An O’Neal Insurance Group Broker/Agent can assist in reviewing all your Medicare options available to you in your state and plan service area.
Why was the Medicare program established?
The Medicare program was established to provide healthcare benefits in retirement. Prior to the program, retirees who lost coverage provided by their employer’s group health policy had limited options for health insurance.
Is Medicare Advantage the same as Medicare supplements?
No, Medicare supplements or medigap plan work with Original Medicare coverage to provide coverage for their members. Medicare Advantage plans operate independently from Original Medicare and Supplements.
What is Medigap insurance?
Medigap insurance plans are also referred to as Medicare supplements or Medicare gap insurance. It has this name because it fills in the “gaps” that Original Medicare leaves for the beneficiary to pay.
Brokers: Grow Your Medicare Business with O’Neal
Demand for Medicare plans keeps growing. Whether you’re a new agent or you have years of experience under your belt, O’Neil can help you optimize your Medicare health plan book of business.
We work with brokers who are passionate about giving back to the senior community and educating beneficiaries on their options. To help you succeed, we embrace:
- Cutting-edge technology to take the hassle out of Medicare sales
- Relationship building to support long-term success
- Digital and traditional marketing to help you grow your business
- Access to the Medicare Part D, Medicare Advantage and Medicare Supplement plans your clients need