Located in Omaha, NE & Council Bluffs, IA — we are an independent and reliable medicare supplement agency.
What is Medicare Supplement?
Medicare Supplement plans, sometimes called Medigap, are sold by private insurance companies to help pick up costs not covered by Medicare Part A and Part B like deductibles and coinsurance.
Benefits of Medicare Supplement
One of the major expenses associated with most insurance plans, including Medicare, are the out-of-pocket costs such as deductibles, co-pays, and coinsurance.
Medicare Supplement insurance can ease the financial burden and stress created by these unpredictable and costly expenses.
You must have both Medicare A and B in order to purchase a Medicare Supplement plan. You will pay a separate monthly premium directly to the insurance company for the Medicare Supplement plan.
Medicare Supplement plans can be an effective tool to greatly reduce or in some cases eliminate your medical costs for Medicare-eligible expenses.
Medicare Supplement - Additional Information
An in-depth look into Medicare Supplement (Medigap).
Is Medicare Supplement Right for You?
Medicare Supplement coverage may be a better option for certain beneficiaries than Medicare Advantage or relying solely on Original Medicare.
Medicare Supplement policies can help you pay out-of-pocket costs like deductibles, coinsurance or copayments.
This type of Medicare Supplement coverage can be a good fit for people who would rather budget for a higher monthly premium in order to greatly reduce, or in some cases totally eliminate, their exposure to eligible medical costs.
Medicare Supplement plans are guaranteed renewable which means that the insurance company cannot drop you as long as you pay your premium – so even if you become very ill they have to keep you.
A Few Points to Consider While Deciding if Medicare Supplement is Right for You:
- Will the additional premium fit into your budget
- Does your doctor take Original Medicare
- What is your typical usage of medical insurance
- How often do you travel out of the area
Please also keep in mind that Medicare Supplement plans do not include prescription drug coverage so you will also need a standalone Medicare Part D plan.
Get Your Quote Started Today
What Is Not Covered by Medicare Supplement
Keep in mind that a Medicare Supplement plan will only pay eligible balances left after Medicare pays; this means that if a service is deemed ineligible by Medicare, your Medicare Supplement plan will not cover it either.
Examples of Services or Items Not Covered:
What Our Clients Say
Request A Quote
Use this form to start your quote process!
Get to know the superstars at Smart Insurance Solutions®
Jodie Enenbach-Moreno, owner of Smart Insurance Solutions, first became a licensed insurance agent in 2005 while working at Mutual of Omaha. Enenbach then moved on to work for Blue Cross Blue Shield of Nebraska in service, sales and marketing until 2013 when she opened her independent agency.
Recently Jodie obtained the professional designation of Certified Medicare Insurance Planner which requires a minimum of 10 years of applicable experience and knowledge while maintaining the highest ethical standards.
Jodie loves working with the local community and spends time year-round collaborating with insurance company reps, medical and pharmaceutical providers and community groups in order to promote better outcomes through education and teamwork.
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
Stephanie joined Smart Insurance in 2022 and is our newest addition. She previously worked for Preferred Marketing Associates, our contracting and compliance partner at the NW Omaha location.
Stephanie managed the Medicare support desk for 4 years at PMA and will continue in a similar capacity at Smart Insurance.
Prior to PMA, Stephanie worked in administrative assistance and as office manager of a dental office. We are glad to have her join us!
Lizeth Montañez Fajardo
Lizeth joined the Smart Insurance Solutions team in 2022 and supports the front desk area. Prior to joining our team, she most recently worked in a hospital setting helping folks in Iowa and Nebraska with Medicaid eligibility.