O'Neal Insurance Group

O’Neal Insurance Group is an independent, Black-owned family insurance agency providing licensed, one-on-one guidance to people comparing Medicare coverage. Founded and owned by James O’Neal for more than 38 years, the agency takes an education-first approach, helping clients understand their options and make informed decisions without call-center pressure. Its agents review Medicare Advantage (Part C), Medicare Supplement (Medigap) and Part D prescription drug plans, considering doctors, prescriptions, pharmacies, premiums, out-of-pocket costs and coverage priorities.

Clients can also ask about dual eligibility, veterans’ Medicare questions, Part B give-back benefits, flex cards, dental, vision, hearing and fitness benefits; availability and eligibility depend on the plan and individual circumstances. The agency offers no-cost assistance by phone and online across its 30-state service area and Washington, D. C.

In-home appointments may be requested in the Las Vegas and Chicago metropolitan areas. Agents can help with eligible enrollment and next steps, subject to licensing, carrier appointments, plan availability and enrollment rules