Medicare Insurance

If you're approaching 65 or already eligible for Medicare, you're likely facing a flood of options—and even more questions. At Flaxbeard Insurance Advisors, we help individuals and families across Nebraska—including Omaha, Bellevue, and beyond—cut through the noise with guidance that’s local, independent, and easy to understand.



Whether you’re brand new to Medicare or considering switching plans, we’ll walk you through the key parts, help you compare options, and make sure nothing important gets overlooked. Our goal? To help you feel confident about your coverage—without the stress.

A black plus sign on a white background.

Medicare Advantage

Medicare Advantage Plans (Part C) combine hospital, medical, and often prescription drug coverage into a single plan—usually with added perks like dental, vision, hearing, and wellness benefits. These plans are offered by private insurance companies approved by Medicare.


We’ll help you:


  • Understand how Advantage Plans work in your area
  • Compare premiums, networks, and benefit extras
  • Determine if your doctors and prescriptions are covered


There are several high-quality Medicare Advantage plans available in Omaha and throughout Nebraska—we’ll help you find the one that’s right for you.

A black and white icon of a shield with an umbrella and a cross on it.

Medicare Supplement Insurance

Original Medicare doesn’t cover everything. That’s where Medicare Supplement Insurance (Medigap) comes in. These plans help pay for out-of-pocket expenses like copayments, coinsurance, and deductibles.



Here’s how we help:

  • Compare different Medigap plan types (A, G, N, etc.)
  • Review costs, benefits, and enrollment windows
  • Ensure you don’t pay more than you need to for reliable coverage

Supplement plans are especially popular with those who value predictability and nationwide provider access. We’ll explain your options clearly and help you choose confidently.

A black and white icon of a pill on a white background.

Medicare Part D Prescription Drug Plans

Prescription drug costs can add up quickly. Part D plans are standalone policies that work alongside Original Medicare to provide drug coverage.


We help you:

  • Review formularies to make sure your medications are covered
  • Compare premiums, copays, and pharmacy networks
  • Avoid common mistakes like late enrollment penalties

We’ll look at the plans available in your ZIP code and help you pick one that balances cost and coverage—without the hassle.

Why Work With Us

Local Help. Personal Support. No Guesswork.

With so many plans and options, Medicare can feel overwhelming—but it doesn’t have to. We live and work right here in Nebraska, and we stay current on the Medicare plans available in your community. As independent advisors, we work with multiple carriers, so the advice you get is focused solely on what’s best for you—not what we’re paid to promote.

We’ll guide you step-by-step, at your pace, and always with your goals in mind.

FAQ

Medicare Made Simple

  • When should I start planning for Medicare?

    You can start reviewing options 3–6 months before turning 65. We recommend starting early to avoid rushed decisions or late enrollment penalties.

  • What’s the difference between Medicare Advantage and Supplement plans?

    Advantage Plans replace your Original Medicare with bundled coverage, while Supplement Plans work alongside Original Medicare to cover costs. We’ll help you compare based on your specific needs.

  • Do I really need a Part D plan if I’m not taking any prescriptions?

    In most cases, yes. Enrolling on time helps you avoid future penalties—even if you don’t currently take medications.

  • Can I change plans later?

    Yes. Medicare has annual enrollment periods that allow you to make changes. We’ll help you understand your options and deadlines.