Serving Omaha, Nebraska, and communities across the state, Health & Life Insurance Pros provides independent insurance assistance designed around the needs of our clients. We help people compare Private and Marketplace Health Plans, Medicare Advantage, Medicare Supplements, Prescription Drug Plans, Dental and Vision coverage, Life Insurance, and Short-Term Plans. Our services also include Medicare guidance, Medicaid Spend-down assistance, Hospital Indemnity coverage, and support for individuals, families, self-employed professionals, and small businesses. Since 2008, we have helped clients evaluate their options with a focus on affordability, clarity, and transparency. Because we are independent, we review multiple carrier choices rather than limiting clients to one provider, and our consultations come at no cost.
Our approach is centered on personal attention and continued assistance. We first compare available coverage, then explain important details such as deductibles, networks, prescriptions, and out-of-pocket expenses in straightforward language. Once a client is ready, we assist with enrollment and remain available for questions afterward. Our team is committed to reliable, compassionate service.
Served areas
- Proudly Serving Omaha, NE & All of Nebraska
Business details
- Year established: 2008
- Licensed
Highlights and features
- Serving Omaha and all Nebraska communities with care
- Compare multiple health insurance carriers and coverage options
- Personalized guidance tailored to your health needs
- Free consultations with licensed insurance professionals
- Support from plan comparison through ongoing enrollment assistance
- Ongoing local support after your coverage begins
Services
Our health insurance service is designed to make ACA Marketplace choices easier to understand. We guide individuals, families, and small businesses through available coverage, including Bronze plans with lower premiums, Silver plans with balanced costs, and Gold plans with lower out-of-pocket expenses. We additionally explain subsidies, tax credits, essential benefits, and applicable enrollment periods. 
Our short-term health insurance service is intended for people facing temporary coverage gaps, including employment transitions, loss of employer-sponsored insurance, college attendance, or a wait for Medicare benefits. We help clients shop for available plans and understand their options. Coverage may begin within a short period and may provide lower costs, subject to applicable limitations and renewal rules. 
Our hospital indemnity coverage is intended to provide added peace of mind during hospitalization by helping address expenses that may not otherwise be covered. The policy can provide cash benefits for hospital stays, deductibles, prescriptions, and other eligible costs. Benefits are flexible, have no network or provider restrictions, and coverage can remain renewable until age 65. 
We offer guidance for individuals evaluating Medicare coverage and supplemental options in Nebraska. Original Medicare does not cover every healthcare expense, which can leave gaps involving deductibles, copayments, and coinsurance. Our Medicare Supplement service helps address those gaps, while we also provide assistance with Medicare Advantage and prescription drug coverage. 
Our team assists individuals, families, and small businesses in comparing dental and vision coverage from reputable companies. Available choices may address preventive dental care, additional dental services, routine eye exams, glasses, lenses, and contacts. We also review premiums, deductibles, copays, waiting periods, networks, and benefits while providing personalized guidance through the process. 
When unexpected illness or an accident brings unplanned expenses, supplemental coverage can provide added financial protection. We help individuals and families compare options that may offer benefits for covered cancer, heart attack, stroke, or accidental injuries. Depending on the policy, benefits can be paid directly to you. Our licensed pros provide personalized assistance throughout the comparison process. 
We provide a range of life insurance options, including term, whole life, and final expense plans from reputable companies. Our licensed insurance professionals help individuals, families, and small businesses compare coverage based on their needs and budget. We explain how each option works and provide clear guidance throughout the selection process.
People
Jose Ortez
OWNER & PRINCIPAL HEALTH INSURANCE BROKER
Born in Florida, Jose has been an independent insurance broker for 15 years. Having undergone 21 surgeries by the age of 15, Jose personally understands the value of having access to the best medical care. He currently Licensed in FL, ME, MI, NC, & NE and specializes in Medicare, Dental, Medicaid Spend-down, Hospital Indemnity, Obamacare(ACA) Plans, & Life Insurance.
Reviews (16)
Kelly C.
Feb 05, 2026
I can't recommend Jose highly enough! When I reached out for help navigating Medicare and supplemental insurance options for my elderly parents, I was impressed by the level of care and attention he provided. He took the time to explain all the options in simple, easy-to-understand terms, ensuring we fully understood each plan without any pressure to make a purchase.
What really stood out, though, was Jose's honesty and integrity. Instead of trying to sell us something new or push unnecessary plans, his advice was refreshingly straightforward: "Stick with what you already have." He carefully reviewed our current coverage and determined that it was the best fit for our needs. This level of transparency and customer-first approach is rare, and I truly appreciated it.
Jose made sure we felt informed and confident in our choices.
If you're looking for an insurance agent who is knowledgeable, patient, and truly puts your best interests first, I highly recommend Jose. He’s the kind of professional you can trust to guide you without any ulterior motives—something that's invaluable, especially when it comes to something as important as healthcare.
What really stood out, though, was Jose's honesty and integrity. Instead of trying to sell us something new or push unnecessary plans, his advice was refreshingly straightforward: "Stick with what you already have." He carefully reviewed our current coverage and determined that it was the best fit for our needs. This level of transparency and customer-first approach is rare, and I truly appreciated it.
Jose made sure we felt informed and confident in our choices.
If you're looking for an insurance agent who is knowledgeable, patient, and truly puts your best interests first, I highly recommend Jose. He’s the kind of professional you can trust to guide you without any ulterior motives—something that's invaluable, especially when it comes to something as important as healthcare.
RaySean Barber
Jan 04, 2026
Fanny Janeth Garcia
Nov 29, 2025
Erica Novotny
Sep 12, 2025
Jose from Health & Life Insurance Pros - Health & Medicare Agency provided exceptional customer service, taking the time to quickly and attentively answer all of my questions about Individual Health Insurance options and helping me navigate the Affordable Health Insurance process. Their expert guidance made finding the Best Health Insurance Options for our family a breeze.
Kayla Middleswart
Sep 05, 2025
Mark Cade
Jun 11, 2025
Alica Clanton
Jul 07, 2024
Anna Palubecki
Sep 21, 2023
Brianna Sanchez
Sep 16, 2023
Kathleen Beiriger
Jun 13, 2023
Lynn Cochran
Jun 02, 2023
Hh Wild Plums
May 28, 2023
Alondra Martinez
May 23, 2023
Linn Snypes
Aug 10, 2022
Bianca Ramirez
Jun 11, 2022
Mary Forest
Jun 05, 2022