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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 Supplements

Are you turning 65 this year? If so, there may be a few more questions you have.

  1. What plans are available to me?
  2. When can I enroll?
  3. Can I enroll in Medicare and still work Full Time?
  4. Is my plan at work primary or is Medicare Primary?
  5. Will I be automatically enrolled in Part A and Part B?

Medicare is always changing and we make sure to have up to date information for you to make a better decision for yourself in regards to Medicare.

Nester Insurance has expert agents ready to assist you and guide you through the process. We have access to all the top-rated insurance companies that offer Medicare Supplement plans that may be a good fit for you before or after retirement. Call today to find out more.

Medicare Basics

Medicare Parts A and Part B combine to cover close to 80% of the cost for services for doctors and hospitals. While covering close to 80% of your medical bills and expenses, Medicare Part A and B 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 Part B do not.

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

Learn which Medicare Supplement Plan may be right for you.

Medicare & You 2019 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.

Download Handbook