Medicare Drug Plan

Medicare Drug Plan (Part D)

Why is it Important?

Medicare Part D is an important part of your Medicare coverage line-up. Generally Medicare does not cover prescription medications unless you enroll into a Medicare Part D plan.

In order to qualify for a Medicare Part D plan, you must:

  1. Have Medicare Part A and/or Part B
  2. Live in the plan’s service area.

 

Plan premiums (monthly plan cost) and coverage vary greatly so it is important to consult with your Smart Insurance Solutions® agent in order to find a plan that will best meet your needs.

Plans may change year to year so we conduct an annual plan review for our clients each annual enrollment period which is October 15th through December 7th.

Enrollment in a Medicare Part D plan is not required but you may incur a late enrollment penalty (LEP) if you do not enroll when you are first eligible. The penalty accumulates each month you do not have creditable drug coverage and does not stop accumulating until you enroll. The penalty is then added onto your drug plan cost every month for the rest of your life (certain exceptions may apply).

Happy elderly lady using mobile phone while relaxing on couch at home

Private insurance companies approved by Medicare offer these plans. Monthly plan cost (premiums) and drug costs vary by company - some even offer different pricing when using one of the insurance company's preferred pharmacies. Every plan has its own drug formulary which is the list of covered medications; this list sets the price for each drug.


There are two ways to receive Medicare prescription drug coverage (Part D). You could choose (1) a standalone Part D plan sometimes referred to as PDP (Prescription Drug Plan) or (2) a Medicare Advantage plan that includes Part D coverage.

There is a federal program designed to help lower Medicare Part D costs called Low Income Subsidy (LIS) or Extra Help.

The Extra Help program can substantially cut costs and you may qualify even if you don't qualify for Medicaid. One of our team members can help you apply to see if you'll qualify. Remember there is never a fee for our services!

Request a Quote

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.

FB_IMG_1616794995237

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!