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How to Select a Medicare Plan

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ACA/ Obamacare, Health, Dental and Vision Plans, We offer Medicare Guidance and Enrollment Options That Will Meet or Exceed Your Needs.

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

Original Medicare actually consists of two things: Medicare Part A (hospital coverage) and Medicare Part B (medical coverage). For prescription drug coverage, you’ll need to select a private Medicare Part D plan.

Medicare Supplement

Moderate Cost

Original Medicare doesn’t have an out-of-pocket maximum, and the deductibles, copays and coinsurance can add up fast. Medicare Supplement Insurance is designed to work with Original Medicare to help with your out-of-pocket costs.

Medicare Part D

Higher Cost

Medicare Advantage plans combine the benefits provided under Medicare Parts A and B into one plan, and most also offer additional benefits. If your Medicare Advantage plan doesn’t include prescription drug coverage, you can enroll in a Medicare Part D plan.

Medicare Advantage (Part C)

Highest Cost

If you want an all-in-one health plan, this is it. Medicare Advantage Prescription Drug (MAPD) plans provide your hospital coverage, medical coverage and prescription drug coverage. Many also include additional benefits, such as hearing, dental and fitness benefits.

Medicare Solutions for Every Scenario

Worried About Costs?

In addition to the monthly premium, you also need to consider your deductible and copay costs – the cheapest plan may actually be more expensive in the long run. Also see if you qualify for Extra Help or the Medicare Savings Programs.

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Searching for a Medicare Advantage Plan?

Many Medicare Advantage plans provide prescription, hearing, dental, and even fitness benefits, but not all do. The provider networks and costs can also vary from plan to plan. You need to compare your options carefully to make sure you’re selecting the one that meets your need.

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Have a Chronic Health Condition?

The right Medicare plan can help you take control of your health. Some plans offer non-medical benefits (for example, meal delivery or transportation) that could help you. There may alsobe a Chronic Conditions Special Need Plan(C-SNP) in your area that caters to your condition.

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Losing Your Job-Based Health Insurance?

If you’re 65 or older, you may qualify for a Special Enrollment Period to enroll in Medicare. You have many coverage options to consider, so you have some important decisions to make.

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Need a Medicare Supplement?

Original Medicare doesn’t have an annual out-of-pocket maximum, so there’s no limit to what you could end up paying. A Medicare Supplement Insurance Plan can help you control your out-of-pocket costs.

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Turning 65?

Your Initial Open Enrollment Period covers the seven months around your birthday. You have some big choices to make, like whether you want Medicare Advantage or Original Medicare with a Medicare Supplement. This is your opportunity to find the coverage that works best for you.

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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


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
Are you ready to grow your Medicare business?