Many seniors and younger will need supplemental health insurance to pay for
expenses not covered by Medicare. It should be noted that neither Medicare
nor an Illinois Medicare supplemental insurance policy will cover most long
term care insurance expenses. There are many types of health insurance
coverages that you can purchase to supplement your Medicare coverage.
Supplemental insurance will pay for some or all of your health care costs that
are not covered by Medicare.
These types of health insurance coverages include:
Employee or Retiree Coverage
(from your employer or union)

Medigap Insurance
(from a private company or group).
People often refer to all of these types of health insurance coverages as
"supplemental insurance." However, "Medicare Supplemental" or "Medigap"
insurance is a specific type of insurance that is subject to federal and state
laws.
Managed Care Plans - Illinois

A Managed Care plan involves a group of doctors, hospitals, and other health care providers
who have agreed to provide care to Medicare beneficiaries in exchange for a fixed amount of
money from Medicare every month. Illinois Managed Care plans include Health Maintenance
Organizations (HMOs), HMOs with a Point of Service (POS) option, Provider Sponsored
Organizations (PSOs), Preferred Provider Organizations (PPOs), and Cost Plans.
Click on the link below to fill out a secure quote request form for an Illinois Medicare
supplemental insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with our Illinois Medicare
Supplemental Insurance specialist toll free at 877-808-2900 to discuss the policy
features in more detail.
We are a Chicago, IL insurance agency offering affordable Illinois Medicare
supplemental insurance policy premiums in the following cities and counties: Oak
Lawn, Englewood, Calumet Park, Roseland, Landsing, Dolton, Calumet City, South
Holland, Riverdale, Glenwood, Chicago Heights, South Shore, Burnham, Oak Forest,
Bedford Park, Hazel Crest, Alsip, Palos Hills, South Chicago Heights, Orland Park, St.
Charles, Geneva, Batavia, Lafox, Orland Hills, Elburn, Mooseheart, De Kalb, Virgil,
Maple Park, Burlington, Kaneville, Cortland, Sycamore, Hampshire, Big Rock,
Hinckley, Wasco, Lily Lake, Valley View, South Elgin, Wayne, Aurora, Naperville,
Montgomery, Warrenville, Moecherville, Winfield, Wheaton, Carol Stream, Bartlett,
Streamwood, Glen Ellyn, Lisle, Glendale Heights, Hanover Park, Elgin, Ontarioville,
Keeneyville, Bloomingdale, Medinah, Roselle, Schaumberg, Hoffman Estates,
Carpentersville, Udina, Huntley, Gilberts, West Dundee, Barrington, Cary, Palatine,
Lake Zurich, Libertyville, Wauconda, Inverness, Elk Grove Village, Itasca, Addison,
Lombard, West Chicago, Villa Park, Elmhurst, Oak Brook, Highland Hills, Downers
Grove, Woodridge, Bolingbrook, Darien, Oswego, Yorkville, Sugar Grove, Joliet,
Romeoville, Algonquin, Buffalo Grove, Arlington Heights, Roling Meadows, Mount
Prospect, Des Plaines, Bensenville, Homer Glen, La Grange, Northbrook, Skokie,
Evanston, Cicero, Berwyn, Burbank, East Chicago, Waukegan, Mundelein, Deerfield,
North Chicago, Newark, Sheridan, Morris, Ottawa, Sandwich, Serena, Waterman,
Rochelle, Marengo, Dupage County, Kendall County, Will County, Lake County, Kane
County, and Cook County, IL. We also offer Illinois Medicare supplemental insurance
services throughout the prairie state, including in Moline, Rockford, Peoria, Springfield,
Bloomington, Decatur, and Champaign, IL.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Ask us about the
Medicare Prescription
Drug Coverage - Part D
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Illinois Medicare Supplemental Insurance Policy Information
Medicare Supplement Insurance
O'NEAL
Insurance Group
Insurance Coverages
Insurance Solutions
Toll Free: 877-808-2900
Your Illinois Medicare Supplemental Connection
Chicago, Illinois Skyline
O'Neal Insurance Group
1637 E. 87th Street #303
Chicago, Illinois 60617
Cook County, IL
Toll Free: 877-808-2900
Local: (773) 358-7168
Fax: (773) 358-7168
ILLINOIS
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Medicare Advantage Plans - Illinois

Medicare Advantage Plans are health plan options that are part of the Medicare program. If you
choose to join a Medicare Advantage Plan, you typically get all your Medicare-covered health
care through that plan. This coverage can also include prescription drug coverage.
Medicare Advantage Plans include:
Medicare Health Maintenance Organization (HMO)
Preferred Provider Organizations (PPO)
Private Fee-for-Service Plans
Medicare Special Needs Plans
Medicare Advantage Plan members are issued a health insurance card for your health
care. In most of these plans you will receive extra benefits and lower copayments than in
the Original Medicare Plan. However, you may be required to see doctors that belong to
the plan or go to certain hospitals to get services.
You must have Medicare Part A and Part B to join a Medicare Advantage Plan. You will
have to pay your monthly Medicare Part B premium to Medicare. In addition, you might
have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that
they offer. If you have a Medigap policy, you may want to discontinue it if you join a
Medicare Advantage Plan. It is not required that you do so, but your Medigap policy will not
pay any deductibles, co-payments, or other cost-sharing under your Medicare health plan if
you are enrolled in a Medicare Advantage Plan.
***Note Disclaimer: The O'Neal Insurance Group and onealinsdirect.com offers a
service and free information intended to make access to Medicare and related
information easier. It is not associated with, nor endorsed or authorized by the Social
Security Administration, the Health Care Financing Administration, the Department of
Health and Human Services, or the Center for Medicare and Medicaid Services, nor
do we claim to be. This site contains basic information about Medicare, services
related to Medicare and services for people with Medicare. If you would like to visit the
Official US Government Site for People with Medicare, go to www.medicare.gov
Medigap (Illinois Medicare Supplemental Insurance)

Medicare supplemental insurance policies that are sold by private insurance
companies to Medicare beneficiaries to fill the "gaps" in Original Medicare
Plan coverage. Medigap policies help pay some of the health care costs that
the original Medicare Plan does not cover. There are several standardized
policies, Plan A through Plan N. The state of Maine decides which of the plan
policies can be sold in the state. Medigap policies only work with the original
Medicare Plan. If you are in the original Medicare Plan and have a Medigap
policy, then Medicare and your Medigap policy will each pay their share of
covered health care costs.
Plan A Basic Benefits (these benefits also included in Plans B - N)
Medicare Part A co-insurance for the 61st through the 90th day in the
hospital ($283 a day in 2011)
Medicare Part A co-insurance for any hospital confinement beyond the
90th day, up to an additional 60 days during the policyholder's lifetime
($566 a day in 2011)
After using all the Medicare hospital inpatient coverage, including the
lifetime reserve days, all Medicare-eligible hospital charges will be covered
up to 365 additional days during the policyholder's lifetime
The reasonable cost of the first three pints of blood each year under
Medicare Part A and Part B
The 20% co-insurance amount under Medicare Part B (doctor and other
medical bills) after the policyholder pays the Medicare Part B deductible
which is $162 in 2011. For outpatient mental health services, the 45% co-
insurance amount after the deductible is paid
The following list describes the additional benefits that may be included in plans B through N.
Medicare Part A Deductible
Payment for all of the Medicare Part A inpatient hospital deductible. The Medicare Part A deductible
is $1,132 in 2011.

Skilled Nursing Facility Care
Coverage up to the co-insurance amount from the 21st day through the 100th day in a Medicare
benefit period for post-hospital skilled nursing facility care ($141.50 a day in 2011)
Medicare Part B Deductible
Coverage for all of the Medicare Part B deductible ($162 in 2011). Medicare Part B covers doctor
and other medical bills.

100% of the Medicare Part B Excess Charges
Coverage for all of the difference between the actual Medicare Part B charge as billed and the
Medicare-approved Part B charge not to exceed any charge limit set by the Medicare program or
state law.

Medically Necessary Emergency Care in A Foreign Country
Coverage for 80% of the billed charges for Medicare-eligible expenses for medically necessary
emergency care received in a foreign country. Care must have started during the first 60 days in a
row of each trip outside the United States. This benefit has a $250 calendar year deductible and a
lifetime maximum benefit paid of $50,000.
High Deductible Plan F
Plan F has an option called High Deductible Plan F offered by several companies. This high
deductible plan offers the same benefits as the regular Plan F but the benefits do not start until
after you pay a calendar year deductible of $2,000 (this deductible can go up every year). Some
of the expenses you will have to pay to satisfy this high deductible include the Medicare
deductibles for Parts A and B, but does not include the Plan F Foreign Travel Emergency
deductible. The Foreign Travel Emergency deductible must be paid regardless of whether you
have met the $2,000 high deductible. Also, you can't count the Foreign Travel Emergency
deductible toward the $2,000 high deductible
Medicare SELECT - Illinois
Medicare Select policies are also standardized plans, however, to receive full hospital benefits
you must use participating hospitals that are in the network. These insurance policies usually
cost less because there are restrictions that affect where you can go to get treatment. If you do
not follow the Medicare Select policy requirements, Medicare will still pay its portion of the bill,
however, the Medicare Select company is not required to pay the full benefits under the policy
and will deny payment or pay less than the full benefit if you go outside the network for non-
emergency services. Consult with your Medicare insurance agent for updated availability
information.