Medicare Part D
Medicare Drug Plan (Part D)
Why is it Important?
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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).
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!
We believe that good relationships are built with trust, honest and open communication and delivering on our promises.
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Meet The Experts
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.
Rebecca ‘Becky’ Rosales
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
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.