Insurance Tailored for You

As we progress in years, our lifestyles change. Consequently, our insurance needs change as well. To secure the right insurance solutions to fit your evolving needs, turn to Senior Insurance Options today.

Medicare Options

Confused about Medicare? You are not alone. Medicare coverage breaks down into four distinct parts: Part A, Part B, Part C, and Part D. We explain how each works for you.

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Supplemental Insurance Options

When Medicare is not enough, we at Senior Insurance Options offer an array of coverages that can supplement your Medicare coverage. Read on to learn more about our supplemental insurance options.

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Asset Preservation

Secure investments such as real estate properties and personal valuables that you amassed over a lifetime. Read on to learn more about the asset protection coverages that we at Senior Insurance Options have to offer.

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About Senior Insurance Options

Who We Are

As a senior, you likely understand the importance of securing more specialized coverage options. However, the insurance market can be confusing and overwhelming to navigate on your own. This is why we at Senior Insurance Options have dedicated ourselves to assisting you with all your coverage needs. When you rely on our extensive experience, industry resources, and comprehensive insurance offerings, you can rest easy knowing that you have the right policies to protect against all your unique risk factors.

Meet Your Agent

Lisa Kennedy, Founder of Senior Insurance Options, is a lifelong resident of the Omaha area. She has worked with health insurance for over 25 years. Her experience includes the financial aspects of elder care; including independent living, assisted living, rehabilitation, recovery, memory support, long-term care, home care and hospice.

Lisa assists families navigating the challenges of managing healthcare and living expenses with the financial resources they have available. She recognizes the unique insurance needs of seniors and how important it is to make informed choices and preparations for this time in life.

Get in Touch Today! Call (402) 686-0230 Contact Us

Medicare Options

At age 65, you have access to Medicare health insurance options.  However, when reviewing your options, you might feel overwhelmed by the sheer number of policy types, enrollment dates and possible penalties.

It’s important to understand that Medicare coverage can be broken down into four parts: Part A, Part B, Part C, and Part D.  Here’s what each part will cover for you.

  • Part A– Part A is your hospital insurance, meaning that it will cover a portion of the cost of a hospital stay. This insurance will also cover some home health services, skilled nursing care after a hospital stay, and hospice care.  Part A is available to most people at no cost.  In cases of limited work history, there may be a premium for Part A.
  • Part B– Part B will cover a portion of your doctor visits, certain home health care, preventive services, medical equipment, outpatient procedures, rehabilitation therapy, laboratory tests, x-rays, mental health services, ambulance services, and blood services.  There is a Part B premium.  The cost is dependent on income.
  • Part C– Also known as Medicare Advantage, Part C is provided by private insurance companies.  It combines coverage for hospital care, doctor visits, and other medical services in a single plan.  Most Part C plans include prescription coverage.  They may also offer additional benefits not covered by Original Medicare, such as dental, hearing, vision, transportation and wellness programs.  To enroll in a Part C plan, you must be enrolled in Parts A and B.  If the plan includes prescription drug coverage, enrollment in Part D is not allowed.  Part C premiums vary by plan.  However, there are usually several options available with zero premium.
  • Part D– Part D offers coverage for prescription drugs. To enroll in Part D, you must be enrolled in Parts A and B and can be enrolled in Part C if the plan does not include prescription drug coverage.  Part D has premiums and they vary by plans.

Enrollment in the different parts of Medicare is available only at specific times, depending on many different factors.  Penalties for late enrollment can be substantial so understanding the enrollment periods is important.

Interested in learning more about your Medicare options? If so, then contact the experts at Senior Insurance Options.  Our dedicated team is ready to assist you with all your insurance needs today.

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Supplemental Insurance Options

When you enroll in Medicare, Parts A, B, C and D do not cover all services at 100%.  Therefore, you can expect to incur  out of pocket expenses for things like copayments, coinsurance & deductibles.  Luckily, we at Senior Insurance Options offer an array of coverages that can supplement your Medicare coverage.  Read on to learn more about our supplemental insurance options.

  • MediGap/Medicare Supplement– MediGap insurance helps pay for health care costs that Original Medicare doesn’t fully cover.  For instance, these policies offer coverage for copayments, coinsurance and deductibles.  Keep in mind that MediGap will not offer coverage for long-term care, vision, dental, hearing aids, or private-duty nursing.  A MediGap policy can be purchased for use with Original Medicare only.
  • Short-Term/Recovery Care– Short-term care insurance covers home care, assisted living, and nursing home services when you are unable to care for yourself. Short-term care policies offer coverage for 12 months or less and can be purchased regardless of which Medicare Plan is used.
  • Cancer Care– Medicare Parts A and B offer some coverage for cancer treatment such as cancer screenings, chemotherapy, and radiation therapy. However, the American Cancer Society says that treating cancer involves significant expenses that are not covered by Medicare. Experimental treatments or drugs, travel, lodging and lost income are just a few examples. Securing supplemental Cancer Care coverage can help take care of these out-of-pocket costs. In addition, heart attack and stroke benefits may also be available. Cancer Care insurance can be purchased regardless of any other insurance the beneficiary may have, including Medicare. The beneficiary decides how the money is used.
  • Dental/Vision/ Hearing– Original Medicare does not offer coverage for routine dental, vision, and hearing exams. We offer supplemental coverage options that cover these essential health care services.
  • Hospital Indemnity– Hospital indemnity insurance helps you cover out-of-pocket costs associated with a hospital stay.  For instance, this insurance can help you pay for copayments, coinsurance and deductibles.  Additional benefits may be available for other services, such as ambulance transportation, physician visits, skilled nursing care, cancer and dental.  A hospital indemnity plan is a great option to supplement Part C Medicare Advantage plan coverage.

Interested in learning more about our supplemental insurance options?  If so, then contact the experts at Senior Insurance Options.  Our dedicated team is ready to assist you with all your insurance needs today.

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Asset Preservation

Throughout your lifetime, you have likely amassed assets such as investments, real estate properties and personal valuables.  It is so important to secure protection for all that you have worked and saved for.  Read on to learn more about the asset protection coverages that we at Senior Insurance Options have to offer.

  • Long-Term Care– If you develop a chronic illness or are suffering from a life-altering disability, then long-term care insurance will help you cover the cost of ongoing medical and health care services; including services in the home, assisted living, adult day services and a skilled nursing facility.  Securing this coverage will enable you to get the care you need, in the best setting, while preserving your assets.
  • Life Insurance– Life insurance is the best way to provide financial protection for your loved ones in the wake of your death.  Securing the right life insurance will allow your family to pay off your debts, replace your lost income, cover your final expenses, and help provide a sense of financial stability for your family.  Certain life insurance policies combine coverage for a death benefit and long-term care; providing additional resources to preserve your assets.
  • Annuities– Fixed Annuities are contracts that offer guaranteed interest rates higher than current CD and bank account rates; allowing your money to continue working for you, while providing a secure and stable source of retirement income.  Fixed Annuities can also serve as tax deferral tools and include riders that allow you to make withdrawals without penalties.
  • Retirement Plan Roll-Over– A retirement plan roll-over occurs when you withdraw assets from one retirement plan and transfer them over to another plan.  If you switch jobs or retire, then this allows you to maintain access and control of the contributions that you have made with your old company.  In many cases, this can be done as a non-taxable event, without penalties.  As retirement nears, rolling investments to options that are less dependent on the stock market can decrease financial risk.

Interested in learning more about our asset preservation services?  If so, then contact the experts at Senior Insurance Options.  Our dedicated team is ready to assist you with all your insurance needs today.

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