One-on-one, by phone or screen share
How O’Neal Insurance Group helps
James helps you understand, compare, join, and enroll in represented insurance options using the priorities and information you provide.
How an appointment actually goes
- 1
You tell us your situation
Doctors, prescriptions, travel, budget, what worries you. Fifteen minutes, no forms.
- 2
We narrow the field
We check networks against your providers and price your exact drug list across the plans available to you.
- 3
You see it side by side
Two or three real options with the trade-offs written down — including the case for keeping what you have.
- 4
We stay reachable
If you enroll, we handle the application and remain your contact for claims, bills and next year’s review.
Medicare
If you’re new to Medicare, start with the basics page and work outward.
Medicare basics
Parts A, B, C and D, and the one big decision.
Medicare Advantage (Part C)
Bundled private plans with networks and extras.
Medicare Supplement (Medigap)
Predictable costs, any Medicare provider.
Part D drug plans
Formularies, tiers and the $2,100 yearly cap.
Medicare & Medicaid
D-SNPs, Savings Programs and Extra Help.
Veterans & Medicare
How VA care and Medicare fit together.
Life insurance
Term, whole, universal and final expense — different tools for different jobs.
Coverage that fills the gaps
These are supplemental policies. They don’t replace health coverage — they pay for things health coverage leaves behind, usually in cash directly to you.
Dental insurance
Cleanings, fillings, crowns and dentures — none of which Original Medicare covers.
Vision insurance
Routine eye exams, frames, lenses and contacts.
Cancer insurance
A cash benefit on diagnosis, for the costs treatment brings that insurance doesn’t bill for.
Critical illness
A lump sum after a heart attack, stroke or other covered condition.
Hospital indemnity
Pays a fixed amount per day in the hospital — often paired with a Medicare Advantage plan.
Individual & family health, Medicaid guidance, disability income and long-term care are also part of what we do; those pages are still being written. Ask about any of them today.
Personal guidance · No additional fee