Medicare & Health Insurance in Omaha, NE — Local Experts at Trek Insurance Solutions

Trek Insurance Solutions is an independent, Nebraska-licensed insurance brokerage located at 16924 Frances St, Suite 203, in West Omaha. We help Douglas County residents compare Medicare, health, life insurance, and retirement plans from multiple carriers — at no cost to you. Call 888-960-0442 for a free consultation.

Why Omaha Residents Choose an Independent Insurance Broker

Most insurance agents in Omaha work for a single carrier. That means when you sit down with them, you're only seeing one company's products — whether or not they're the best fit for your situation.

As a Nebraska-licensed independent agency, Trek Insurance Solutions is appointed with dozens of carriers, including Blue Cross and Blue Shield of Nebraska, UnitedHealthcare, Aetna, Humana, and Mutual of Omaha. When we sit across from you at our West Dodge corridor office, we're comparing plans side by side and recommending what actually fits your budget and health needs — not what pays us the highest commission.

Benjamin Simpson founded Trek Insurance Solutions in 2006 specifically because he saw Omaha families getting locked into plans that didn't serve them. Nearly two decades later, our team — including licensed, bilingual agents (se habla español) — serves thousands of individuals, families, and small businesses across Douglas County, Sarpy County, and the greater Nebraska metro area.

Medicare Options in Douglas County, Nebraska — A Comparison

If you're turning 65 in Omaha, approaching your Initial Enrollment Period, or reviewing your coverage during the Annual Enrollment Period (October 15 – December 7), understanding the differences between Medicare plan types is critical.

FeatureMedicare Advantage (Part C)Medicare Supplement (Medigap)

Monthly Premium$0–$80/month (most plans)$120–$220/month (Plan G typical)

Network RestrictionYes — HMO/PPO networksNo — any doctor that accepts Medicare

Out-of-Pocket MaxVaries by plan ($3,000–$8,000)Minimal (Plan G covers most gaps)

Prescription CoverageUsually included (MAPD)Requires separate Part D plan

Extra BenefitsOften includes dental/vision/hearingNot included

Best ForHealthy seniors, budget-consciousThose wanting maximum coverage flexibility

Both plan types are available from multiple carriers in the Omaha market. Trek Insurance Solutions compares every option available in your zip code — not just one company's plans.

Health Insurance for Omaha Individuals, Families & Small Businesses

Whether you're self-employed in Omaha, between jobs, aging off a parent's plan, or a small business owner looking for employee benefits options, Trek Insurance Solutions navigates the Nebraska Health Insurance Marketplace on your behalf.

ACA Marketplace Plans: Open Enrollment runs November 1 – January 15. Many Omaha residents qualify for subsidies (premium tax credits) that dramatically reduce monthly costs. A self-employed individual earning $40,000/year in Nebraska may qualify for plans under $100/month after subsidies.

ICHRA (Individual Coverage HRA): For Omaha small business owners, ICHRA allows you to reimburse employees tax-free for individual health insurance — eliminating the complexity of group plans while giving your team more choice. Trek Insurance Solutions specializes in ICHRA setup and administration for Douglas County businesses.

Special Enrollment Periods: Lost your job? Got married? Moved? You may qualify for a Special Enrollment Period outside of Open Enrollment. Call 888-960-0442 and we'll verify your eligibility same-day.

Frequently Asked Questions — Insurance in Omaha, Nebraska

How much does Medicare cost in Omaha, NE?

Most Omaha residents pay $0 for Medicare Part A (hospital) if they worked 10+ years. Medicare Part B costs $185/month in 2026. Medicare Advantage plans in Douglas County range from $0–$80/month. Medicare Supplement Plan G — the most popular Medigap plan in Nebraska — typically costs $120–$220/month depending on age and carrier.

When can I enroll in Medicare in Omaha?

Your Initial Enrollment Period is a 7-month window: 3 months before your 65th birthday month, your birthday month, and 3 months after. Missing this window can result in permanent premium penalties. The Annual Enrollment Period (October 15 – December 7) allows current Medicare beneficiaries to switch plans for the following year.

Does Trek Insurance Solutions charge a fee for consultations?

No. Trek Insurance Solutions never charges clients a fee. As an independent broker, we are compensated directly by the insurance carriers when you enroll — at no added cost to you. Our only incentive is finding you the right plan, because satisfied clients refer their families and neighbors.

What areas of Omaha does Trek Insurance serve?

We serve all Omaha zip codes and surrounding communities including West Omaha, Midtown, Dundee, Elkhorn, Papillion, Bellevue, La Vista, Ralston, and Council Bluffs, Iowa. We also serve clients statewide in Nebraska and are licensed in 20+ states.

Is Trek Insurance Solutions an independent broker or a captive agent?

Trek is fully independent. We are not owned by or exclusive to any insurance company. This means we shop every carrier available in your area and recommend based solely on your needs — not sales quotas or carrier incentives.

Neighborhoods & Communities We Serve in the Omaha Metro

Trek Insurance Solutions works with residents across the greater Omaha area, including:

West Omaha — 68130, 68114, 68154 zip codes
Midtown Omaha — 68131, 68132
Dundee & Blackstone — 68132
Elkhorn — 68022
Papillion & La Vista — Sarpy County
Bellevue — Sarpy County
Ralston — 68127
Council Bluffs, IA — Pottawattamie County
All Douglas County zip codes

Get a Free Insurance Consultation in Omaha

Call 888-960-0442 or visit us at 16924 Frances St, Suite 203, Omaha, NE 68130. Evening and weekend appointments available.

Se habla español.

Trek Insurance Solutions has served the Omaha community since 2006. We are independently licensed, legally bound to act in your interest, and never charge you a fee.