Depending on your location, you may have access to one or more of the following plan types at each metal tier—Bronze, Silver, Gold, and Platinum:

• Exclusive Provider Organization (EPO) – Covers services only when received from in-network doctors, specialists, or hospitals, except in emergencies.
• Health Maintenance Organization (HMO) – Limits coverage to doctors and facilities that work with or contract with the HMO. Out-of-network care is generally not covered except for emergencies. HMOs often focus on preventive care and wellness.
• Point of Service (POS) – Offers lower costs for in-network providers but requires a referral from your primary care doctor to see a specialist.
• Preferred Provider Organization (PPO) – Provides lower costs for in-network providers but allows you to see out-of-network doctors without a referral at a higher cost.

For more details on these options, visit www.healthcare.gov.

Each plan type has its advantages and drawbacks. Choosing the right coverage depends on your specific healthcare needs. Our team is here to guide you through your options at no cost.

Serving Las Vegas, Henderson, Summerlin, and North Las Vegas, Nevada, O’Neal Insurance Group is committed to providing personalized health insurance solutions. Our experienced Medicare health insurance brokers treat every client like family, ensuring you receive the education, guidance, and support needed to navigate your healthcare choices.

We specialize in:

• Medicare Plans – Original Medicare, Part C, Part D, and Medicare Advantage (HMO & PPO).
• Individual & Family Health Insurance – Marketplace plans tailored to your needs.
• Additional Coverage – Dental, critical illness, and supplemental policies.