We specialize in providing employers with strategic benefits planning and comprehensive solutions for group benefit plans, administration, and compliance management. With licenses in Pennsylvania, New Jersey, Delaware, and Florida, we deliver personalized customer service that sets us apart.
From Consulting and Alternative Funding to Enrollment and Claim Support
Nester Insurance brings a contemporary, refreshing approach to employee benefits consulting that will produce immediate and substantial results for your business.
Benefits Consulting
Your priority should be managing your business. Our focus is simplifying the complexities of employee benefits for you.
A partnership with Nester Insurance Inc. means you can easily achieve your benefit objectives without negatively impacting the growth and success of your business.
Focusing on a full spectrum of consulting services, our expertise includes benefit and renewal planning, carrier rate negotiations, compliance assistance, employee communication and cutting edge benefit administration technology, all designed to maximize the competitiveness and value of your employee benefit package.
Renewal Marketing
Strategic Planning for Evolving Benefits Needs
Renewal season is more than a deadline—it’s an opportunity to refine and enhance your employee benefits programs. Each year, businesses can evaluate their current plans to ensure they align with the evolving needs of their workforce and business goals. At Nester Insurance, we make this process seamless and effective, helping you craft benefit solutions that work for both your employees and your bottom line.
Our proactive approach begins months before your renewal deadline. We analyze your current benefits, explore the latest market trends and innovations, and assess your company’s objectives. Armed with this insight, we negotiate with top carriers to secure a competitive and comprehensive benefits package tailored to your needs. By partnering with us, you’ll have the confidence that your benefits program is not only optimized for today but also positioned for the future.
Enrollment and HRIS Solutions
Streamline Operations with Cutting-Edge Technology
Modern human resource and benefits administration technology is transforming the way businesses manage their workforce. From payroll and benefits administration to scheduling and onboarding, these tools are designed to simplify processes and improve operational efficiency. At Nester Insurance, we help you navigate the crowded marketplace of Human Resource Information System (HRIS) solutions to find the one that best meets your organization’s needs.
Choosing the right HRIS solution goes beyond technology—it’s about empowering your business to thrive. A well-integrated system enhances talent recruitment and retention, ensures accurate processing of HR and benefits functions, and provides your employees with self-service tools for greater flexibility and satisfaction. Our team works with you to identify the solution that not only meets today’s challenges but also supports your future growth.
With Nester Insurance, you gain more than access to advanced technology; you gain a trusted partner dedicated to helping your business succeed. We provide personalized support throughout the implementation process and beyond, ensuring your HRIS solution delivers the maximum value for your investment. Let us simplify your operations so you can focus on what matters most—growing your business.
Unlock Savings with Alternative Funding Solutions
Tailored Funding Models for Your Workforce
Alternative funding is revolutionizing the way businesses manage employee benefits. With a wide range of funding strategies now available, organizations of all sizes can access cost-effective solutions tailored to their unique workforce demographics and utilization patterns.
At Nester Insurance, we specialize in identifying and implementing alternative funding models that align with your business goals. These solutions not only provide substantial cost savings but also offer greater transparency into your benefits expenses. Our experts carefully evaluate your workforce’s needs to ensure the selected model enhances your benefits program without compromising quality.
Partner with us to explore how an alternative funding strategy can empower your business. With our knowledge and personalized approach, you can maximize value, control costs, and maintain the competitive edge your benefits package provides.
Selecting a Third-Party Administrator (TPA)
The Foundation of Seamless Benefits Administration
Choosing the right Third-Party Administrator (TPA) is a pivotal step in creating a successful and efficient benefits program for your business. At Nester Insurance, we help you evaluate potential TPAs with a critical eye toward their expertise in benefit administration, compliance management, customer service quality, and communication capabilities. We also consider practical factors like the size and location of their operations, as well as their cost competitiveness, ensuring your choice is aligned with your company’s unique needs and goals.
A well-chosen TPA not only streamlines the administration of your self-funded insurance program but also fosters a smooth experience for your employees, enhancing their satisfaction and trust in the process. With proper planning and execution, a TPA can deliver significant savings for your business while maintaining the high standards your workforce deserves. Let Nester Insurance guide you through the selection process to ensure your company’s benefits are managed with expertise and efficiency.
Simplifying Small Business Employee Benefits
Tailored Solutions for Your Unique Needs
Navigating the complexities of small business employee benefits can feel overwhelming. From the myriad of options introduced by the Affordable Care Act to ever-changing compliance regulations and wellness program considerations, the process demands time and expertise. At Nester Insurance, we simplify this process by offering personalized guidance to help you find the perfect group health plan for your employees—one that fits both your budget and business goals.
Our experienced team goes beyond basic plan selection. By leveraging a wide network of strategic vendors and internal resources, we design benefit programs that not only meet your current needs but also adapt as your business grows. Partnering with Nester Insurance means having a trusted ally to handle the complexities so you can focus on running your business.
Why Choose Nester Insurance for Small Business Employee Benefits?
- Expert Guidance – Navigate the complexities of modern employee benefits with confidence, thanks to our experienced team.
- Custom Solutions – Receive a benefit strategy tailored specifically to your workforce and business objectives.
- Future-Ready Strategies – Benefit plans designed to grow with your business, ensuring long-term value and sustainability.
- Compliance Peace of Mind – Stay ahead of evolving regulations with expert compliance support to avoid costly penalties.
Enhance Employee Coverage with Ancillary Benefit Programs
Boost Employee Well-Being and Business Success with Comprehensive Coverage
Ancillary benefit programs provide an essential layer of support for your employees, filling critical gaps in coverage at affordable group rates they couldn’t secure individually. These programs encompass a wide range of offerings, including critical illness insurance, hospital indemnity coverage, life and disability insurance, long-term care options, dental and vision plans, pre-paid legal services, and standalone wellness programs. By equipping your workforce with these valuable resources, you empower them to safeguard their health, well-being, and financial stability.
Beyond their practical benefits, ancillary programs significantly impact workplace culture. Employees with access to comprehensive coverage feel valued and supported, leading to improved morale, greater productivity, and enhanced work efficiency. For businesses, this translates to a more engaged workforce and a competitive edge in attracting and retaining top talent. With Nester Insurance, you’ll receive expert guidance to design ancillary benefit packages that align with your business goals while boosting employee satisfaction and company growth.
Medicare Assistance for Businesses
Simplifying Medicare for Employers and Employees
As more individuals work beyond age 65, businesses increasingly face the challenge of supporting Medicare-eligible employees. Navigating Medicare’s complex language, similar plan names, critical deadlines, and intricate rating systems can be overwhelming for both employees and benefits administrators. At Nester Insurance, our Medicare experts are here to guide you and your team through every step of the process.
We offer personalized support to help your employees evaluate coverage options, compare carriers, and manage the enrollment process with confidence. By addressing Medicare-related questions and providing clear education, we help you alleviate confusion, ensuring your team has access to the benefits they need while enabling you to focus on running your business.
The Importance of Understanding Medicare as a Business Owner
- Supporting Aging Workforce
With more employees working past 65, knowing how Medicare integrates with workplace benefits is essential for retaining and supporting valuable team members. - Ensuring Compliance
Avoid legal complications by understanding how Medicare regulations impact your business and employee benefit programs. - Boosting Employee Satisfaction
Providing clear guidance on Medicare options fosters trust and improves morale among eligible employees. - Streamlining Benefits Management
Proactive Medicare support reduces confusion and administrative burdens for your HR team, allowing for smoother operations.
Consumer-Driven Administrative Services
Empower Your Business with Strategic Benefit Solutions
In today’s dynamic business environment, employers can gain greater control over rising insurance costs and employee benefits by implementing consumer-driven administrative services. Solutions like Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Accounts (HRAs), and Premium Only Plans (POP) offer employees more choice while enabling businesses to manage costs effectively. At Nester Insurance, we help you identify the right consumer-driven programs that fit your organization’s goals and provide long-term value.
In addition to these benefits, the same vendors who offer consumer-driven services can also help you stay compliant and avoid costly penalties. They provide crucial administrative support, including COBRA Administration, 5500 Preparation, and assistance with 1094 and 1095 filings. Additionally, they offer nondiscrimination testing and ERISA compliance, ensuring your company meets all legal requirements while maximizing the efficiency and flexibility of your employee benefit programs. Let us guide you in selecting the right vendor partnerships to enhance your benefits strategy and safeguard your business from unnecessary risks.
