Medicare Advantage

Medicare Advantage (Part C)

Why is it Important?

Medicare is the federal government’s health insurance program for eligible persons age 65 and older and/or persons with qualifying disabilities like kidney failure.

Medicare, sometimes referred to as Original Medicare, is broken down into different parts.

  • Medicare Part A is for inpatient benefits like hospitalization, skilled nursing and hospice care.
  • Medicare Part B is for major medical benefits like doctor visits, preventive care and outpatient services.

Medicare Advantage, also known as Medicare Part C, allows you to receive your Medicare A & B benefits through a private insurance company. You receive all of the mandated benefits of Medicare A & B but many plans also include additional coverage for items like prescription drug coverage (Part D), dental, vision and hearing.

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Medicare Advantage, or Part C, is an “all-in-one” alternative to Original Medicare (Part A and Part B). These plans are funded and approved by the federal government each year.
By law, Medicare Advantage plans must provide the same level of coverage as Original Medicare.


No matter what Medicare Advantage plan you select, you’re guaranteed emergency and urgently needed care.

Instead of juggling coverage from multiple plans, Medicare Advantage can be an effective way of obtaining your Medicare benefits with one company and only carry one insurance card.
Medicare Advantage plans may also include Part D drug coverage, vision, dental, hearing, fitness club membership, over-the-counter items and transportation.

Plans and benefits may vary by county.

There are several kinds of Medicare Advantage programs but the most common ones here in Nebraska and Iowa, are HMO or PPO.


With HMO (Health Maintenance Organization) plans enrollees must use doctors, pharmacies, hospitals and other medical facilities within the plan’s network. This rule does not apply to emergency or urgent care services. HMOs may also require a referral from your primary care doctor to see a specialist - this varies by plan.

Another kind of Medicare Advantage plan is PPO (Preferred Provider Organization). In a PPO plan, enrollees pay less for doctors, pharmacies, hospitals and other medical facilities within the plan’s preferred network. Services outside the network usually cost more. You typically don’t need a referral to see a specialist and can use both in and out of network medical providers.

Medicare Advantage plan availability and benefits vary by county so it is important to consult with your Smart Insurance Solutions® agent to determine which plan will best fit your needs, cover your doctors and prescription drugs.

Due to a recent change in law, individuals with ESRD (end stage renal disease) are now eligible to enroll into a Medicare Advantage plan.

Serving the Midwest

for over 10 years!

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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

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

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    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

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    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

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

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

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    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

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    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

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    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

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

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Our Team

Meet The Experts

Jodie headshot - short hair 2021

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 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 ‘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

Final-3

Jonathan ‘Jon’ Giron

Front Desk Associate

Jon is the newest member on our team and will support the front desk area. Jon is from Omaha and graduated from Omaha Central and Metropolitan Community College.

He previously worked for Gregg Young Chevrolet and has several years of experience in customer service and office support. Jon is also bilingual in English and Spanish.