Medicare and Insurance Guidance That Puts You First
Get personal help understanding and comparing Medicare, life, health, dental, vision, critical illness and hospital indemnity insurance options. Speak directly with an experienced independent agent by phone or online screen-share — never a call center.
James O'Neal
Independent Medicare Agent/Broker & Owner
- Independent, personalized guidance — every conversation is one-on-one
- Access to well-known insurance companies, including Aetna, Humana, UnitedHealthcare, and Wellcare
- Licensed in 30 states and D.C., with offices in Nevada, Illinois and Mississippi
- Guidance by phone or online screen-share, at a time that works for you
A Local Agency That Works For You — Not a Carrier's Call Center
Not a Call Center
You speak with the same local agency every time, not a rotating national queue.
Independent Agent/Broker
We're independent, so we can compare options across the carriers we represent instead of selling one company's plans.
One-on-One Guidance
Every conversation is personal — by telephone or online screen-share, at your pace.
No-Cost Assistance
Our guidance is provided at no cost to you. Agents may be compensated by carriers; you pay no additional fee for our help.
Licensed & Carrier-Appointed
We're licensed and appointed where services are offered, subject to state and carrier requirements.
Personalized to Your Needs
Recommendations are based on your doctors, prescriptions, budget, location and eligibility — not a one-size-fits-all pitch.
Three Simple Steps
Reach Out
Call, request a callback, or book an appointment online — whichever is easiest for you.
Compare Options Together
We review the plans we represent side-by-side against your doctors, prescriptions and budget.
Enroll With Confidence
We help you complete enrollment and remain available for ongoing questions afterward.
Insurance Options We Help You Compare
Critical Illness & Cancer
Lump-sum benefits for a serious diagnosis like cancer, stroke or heart attack.
Learn more →Universal Life Insurance
Flexible permanent coverage that lets you adjust premiums over time.
Learn more →Final Expense & Burial
Coverage designed to ease the cost of funeral and burial expenses.
Learn more →Long-Term Care Insurance
Helps cover nursing home, assisted living, or in-home care costs.
Learn more →
Meet James O'Neal and O'Neal Insurance Group
James O'Neal has spent more than 38 years building an independent insurance agency rooted in personal service. His career began in Hattiesburg, Mississippi, and grew through long-standing professional ties to Chicago before expanding to serve clients from Las Vegas and the Mississippi Gulf Coast.
Today, O'Neal Insurance Group focuses on education first — helping people understand their choices before ever comparing a specific plan — and stays involved in the communities it serves.
Medicare-Licensed Service Areas: 30 States and Washington, D.C.
We serve clients from offices in Las Vegas, Nevada; Chicago, Illinois; Ocean Springs, Mississippi; and Hattiesburg, Mississippi, and are licensed to assist Medicare consumers in the jurisdictions below.
Licensing does not mean every plan, product or carrier is available in every state or service area.
Carriers We Work With
Carrier and plan availability varies by location and eligibility.
Four Local Offices, One Personal Approach
Las Vegas, Nevada
3960 Howard Hughes Parkway, Suite 500 PMB 1939, Las Vegas, NV 89169 Confirm (702) 763-8924Ocean Springs, Mississippi
1009 Byrd Dr, Ocean Springs, MS 39564 (228) 641-2323Hattiesburg, Mississippi
Hattiesburg, MS 39402 (601) 773-3933Questions We Hear Often
Does it cost anything to work with O'Neal Insurance Group?
No. Our guidance is provided at no cost to you. Agents may be compensated by the insurance carriers whose plans they help you compare and enroll in.
Is O'Neal Insurance Group connected with the federal Medicare program?
No. We are an independent insurance agency and are not connected with or endorsed by the federal Medicare program.
Does O'Neal Insurance Group offer every plan available?
No. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer where you live.
What information should I have ready?
It helps to have your current doctors, pharmacies, prescriptions, and a general sense of your budget and priorities.
Can I receive help by telephone or online?
Yes. We offer guidance by phone or by online screen-share appointment, whichever you prefer.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) bundles Original Medicare with extra benefits through a private plan, usually with a network. Medigap works alongside Original Medicare to help pay remaining costs and generally does not restrict you to a network. An agent can walk through which structure may fit your situation.
Can veterans use Medicare along with VA or TRICARE coverage?
In many cases, yes — VA and TRICARE benefits can coordinate with Medicare, though the details depend on your individual situation. Learn more on our veterans page.
What is a dual-eligible plan?
Dual-eligible plans are designed for people who qualify for both Medicare and Medicaid. Learn more.
Which states does the agency serve?
We're Medicare-licensed in 30 states and Washington, D.C., with offices in Nevada, Illinois, and Mississippi. See the full list above.
How is an independent insurance agent compensated?
Independent agents are generally compensated by the insurance carriers whose plans they sell, not by the consumer directly.
Recent Articles & How-To Videos
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Free Medicare Plan Quotes — We Compare Available Plans and Costs With You
Reach out today for no-cost, one-on-one guidance from a real local agent.