Health Insurance

Health Insurance

Why is it Important?

Medical care and prescription costs are two common difficulties that many individuals and families face. Although the penalty for being without health insurance (individual mandate) has been removed, the reality is that these costs can be devastating without proper coverage.

We offer a variety of health insurance products including:

  • Medical
  • Prescription
  • Dental and vision coverage

 

Whether you are self-employed, unemployed or perhaps work for a small business that’s not able to offer benefits, we can help you find an insurance plan to fit your personal needs. We are also certified to assist with Marketplace Enrollment for those who wish to seek a tax credit to help offset their costs.

In addition to individual and family plans, we also offer employer-sponsored benefit packages for businesses with 2-100 employees. Even though the individual mandate has been removed, the employer mandate remains in effect for businesses with 50 or more employees.

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The specific coverage you receive with an ACA (Affordable Care Act) compliant plan will vary based on the plan you choose. The Affordable Care Act dictates that for plans to be deemed ACA compliant, they must include the 10 Essential Health Benefits like:

  • Preventative care
  • Emergency care
  • Outpatient care when you are not admitted to the hospital
  • Hospitalization
  • Pregnancy and newborn care
  • Services for mental health and substance use disorders
  • Rehabilitative services
  • Pediatric care
  • Laboratory service

 

In addition to the 10 Essential Health Benefits, you cannot be denied an ACA compliant plan due to pre-existing conditions nor can the insurance company charge you a higher rate due to health conditions or your gender.

A pre-existing condition is typically defined as any condition which existed before the new insurance coverage begins, including: medical services, prescription medications, testing, surgeries and pending care or pending test results.

If you are in transition and only need a limited period of coverage, we can help you with that. Temporary or Short-Term plans can cover you for 30 days or up to two years, depending on your state of residency.

The plans can be personalized which gives you the freedom to choose your deductible, length of coverage and billing method. Unfortunately these plans do not satisfy ACA (Affordable Care Act) creditable coverage requirements, so this is not meant to be a long-term solution.

This type of plan can be a very cost-efficient option for someone who only needs catastrophic coverage and does not need coverage for pre-existing conditions.

Private health plans refer to insurance plans that are not subsidized by a state or federal government agency.

Some private health insurance plans offer benefits that meet the minimum essential coverage requirements of the Affordable Care Act (also known as Obamacare) while other plans might offer different benefits, such as short-term or catastrophic coverage.

Due to the vast differences in benefits of private health plans and possible eligibility requirements, we will help you compare both to determine which is a better fit.

We offer a variety of dental, vision and hearing plans from a variety of companies. Whether you need something basic or more comprehensive, we will help you find a plan that best fits your needs.

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We help you step-by-step

Serving the Midwest

for over 10 years!

We believe that good relationships are built with trust, honest and open communication and delivering on our promises.

Testimonials

What Our Clients Say

  • Neil Block

    Very professional and well informed on every aspect of our meeting. I would highly recommend them to everyone and I can't thank them enough for making... read more

    Rod Loftis

    Jodie was so knowledgeable and helpful getting us enrolled in Medicare. We could have never gotten this done without her!

    Michaela Foster

    Trying to navigate all of the Medicare offers was daunting until Jodie walked into the picture she broke everything down she had the expertise to help... read more

  • Cyndee Dell

    Jodie is so knowledgeable about the industry as a whole and that is what impressed us from the beginning. Informative and thorough, we highly recommend... read more

    Robert Laney

    Jodie was knowledgeable and compassionate! We wouldn't have been able to figure out the best medicare plan for my mom without her!!!

    John von Dohren

    Very positive experience. I had literally scores of people trying to be my Medicare provider. Somehow Jodie stood out, and took the time to... read more

  • Christine Juber

    Jodie has been great to work with; very well informed, professional, and knowledgeable about current Medicare plans and options. She made the process easy for... read more

    Lane Hickenbottom

    Jodie and Becky are both first class-ladies who are incredible to work with. It's easy to recommend Smart Insurance Solutions!

    Ruth Ryberg

    Jodie has been very helpful throughout the process of selecting a Medicare plan for my husband and me. She has a relaxed attitude and patiently... read more

  • Matt Stoll

    Jodie was indispensable to me deciding at age 65 what Medicare or Advantage plan to take my first year. We decided on a plan that was... read more

    April Ross

    I walked in anti insurance because I didnt feel I needed it or could afford it being self employed. Now, I've had health insurance for... read more

    jody distefano

    Jodie-Enenbach Moreno (an Independent agent) is everything we were looking for in an insurance agent. We had always been insured through an employer and were... read more

  • Susan Bousquet

    Jodie is always on top of our insurance plans and will notify us of any changes and upcoming important information. She treats you with respect... read more

    Wendy Hughes

    Insurance decisions are difficult today. As my husband and I have a bit of time to wait until we can be covered by Medicare, yet... read more

    Jenise Brown

    Smart Insurance took the pain out of buying insurance for our company, if that can be possible these days. Our Agent, Jodie, is a very... read more

  • Bob Bruhn

    Jodie gives excellent service and is always quick to get back to me whenever I have a question. I wouldn't go anywhere else!

    Shawn Smith

    I first met wth Jodi a couple years back when I wasn't working and needed health insurance advice. she helped me out so much not only... read more

    david clark

    Excellent knowledge and follow thru. Very personable and patient in explaining details. Got us the best deal for my mother-in law and my wife. She... read more

  • Sonny Rosenbaum

    Jodie makes everything very easy when you deal with her. She has helped my family and I for several years now. We have had to call... read more

    Jill J Mueller

    Jodie has went over and above for me and my families insurance needs. She is so knowledgeable about all the plans available and will take your... read more

    Elena Armendariz

    Jodie has helped me so much since Obamacare started. I knew nothing about insurance and I had so many questions and concerns so going to her... read more

  • Linda Kuester

    Jodie has been a great help to us in figuring out our health insurance issues. With so many companies dropping out of the individual... read more

    Terri Tobin

    Jodie has been very helpful with getting the insurance plan that meets my needs. She is timely with any correspondence and extremely knowledgeable.

    Sunny Skies

    When Nebraska Blue Cross canceled my medical insurance group, I was fit to be tied. A friend referred me to Jodie Enenbach-Moreno, and things immediately began... read more

Our Team

Meet The Experts

photo by Lane Hickenbottom/Omaha Headshot Co.

Jodie Enenbach-Moreno

President

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 10 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

photo by Lane Hickenbottom/Omaha Headshot Co.

Rebecca Rosales

Office Manager

Becky is our office manager and customer service specialist. She is an incredible asset to the team. Becky is also from Omaha - if you ask, she will tell you she is from South-O (go Packers!). Becky brings decades of management experience and provides many types of administrative support. Becky is a 1993 graduate of Leadership of Omaha and was among the first women in the world to earn a BSE (Building Services Executive) designation. She was also on the board of directors for ProSanctity, Emmy Gifford Theater and the Park East Neighborhood Association.

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Byron Rockwell

Property & Casualty Specialist

Byron started in the insurance industry in 1998 after having served in the US Air Force for more than 20 years. Byron has more than 20 years of insurance experience and we are excited to add him to our team!