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.

shutterstock_443524126-scaled.jpg

Contact Us Today

We Are Ready When You Are

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.

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

Our Team

Meet The Experts

23-Final-9361

Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

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 15 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 ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

17-Final-9327 (1)

Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.