Medicare Supplement

Medicare Supplement (Medigap)

Why is it Important?

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. 

Keep in mind that a Medigap plan will only pay eligible balances left after Medicare pays; this means that if a service is deemed ineligible by Medicare, your Medigap plan will not cover it either.

Examples of services or items not covered by Original Medicare are:

  • Routine dental care
  • Hearing aids
  • Long-term care (nursing home).

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. Medigap plans can be an effective tool to greatly reduce or in some cases eliminate your medical costs for Medicare eligible expenses.


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Medigap 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 supplemental 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 Medigap 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.

MACRA (Medicare Access and CHIP Reauthorization Act of 2015) is recent legislation that impacts a few areas of how Medicare functions. The main points for the general public to be aware of are:

  • the law removed social security numbers from Medicare cards and everyone is now assigned a Medicare Beneficiary Identifier (MBI). New cards for existing beneficiaries were mailed in 2019.
  • Medicare Supplement plans that cover the Medicare Part B deductible (mostly Plans F and C) are no longer available for purchase if you are eligible for Medicare as of January 1, 2020 or after.
  • Changes to the way Medicare rewards clinicians for value over volume

Source: Centers for Medicare & Medicaid Services

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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


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.