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Our Services

Nester Insurance offers a complete line of insurance products. These products and services are designed to provide solutions to your personal and business needs. Your business is very important to us. If you have questions or would like to know about all the policies that we offer please contact our office.


Medicare is always changing. We have access to all of the major companies that offer Medicare Insurance. People who currently have Medicare have likely seen some increases to their premiums. Although most companies are raising their rates, there are some who are not. Learn which ones by contacting us today.

Medicare Basics

Medicare Insurance is a policy provided by private insurance companies that fill the gaps in coverage that your basic Medicare Part A and Medicare Part B do not cover. Parts A and B, while covering close to 80% of your medical bills and expenses certainly do not cover them all.

There are gaps in the coverage and that is why sometimes a Medicare Supplemental Insurance plan will be called a Medigap policy, because it is designed to cover the gaps that Medicare parts A and B do not.

The gaps that a Medicare supplemental insurance policy will cover include deductibles, co pays, and a lot of other various expenses. All of these little expenses added up can add up to quite the financial headache if not covered properly.

Medicare & You 2016 Handbook

This is the official U.S. government Medicare handbook. The information in "Medicare & You" describes the Medicare program at the time it was printed. Changes may occur after printing. Visit Medicare.gov, or call 1-800-MEDICARE (1-800-633-4227) to get the most current information. TTY users should call 1-877-486-2048. "Medicare & You" isn't a legal document. Official Medicare Program legal guidance is contained in the relevant statutes, regulations, and rulings.

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