About Depke Insurance Agency
Nick Depke is a licensed insurance agent based in Omaha, NE. He is the founder of Depke Insurance Agency, an independent, education-first insurance agency and HealthMarkets ambassador licensed in all 50 states since 2019. We provide free, no-pressure consultations on Medicare, health insurance, life insurance, and supplemental benefits. As an independent agency, we represent 200+ carriers and give honest, side-by-side comparisons so you can make confident decisions.
Office: 17310 Wright Street, Suite #100, Omaha, NE 68130 · (402) 680-6171 · ndepke@HealthMarkets.com
Understand Medicare Parts A through D, compare Medicare Supplement vs. Medicare Advantage plans, learn about enrollment periods and costs. Medicare Part A covers hospital stays (usually $0 premium). Part B covers doctor visits ($202.90/month in 2026). Part C (Medicare Advantage) bundles A, B, and usually D through private companies. Part D covers prescription drugs (~$35/month average).
Compare ACA marketplace plans (Bronze, Silver, Gold, Platinum), understand subsidies and tax credits, and learn the difference between HMO, PPO, and EPO network types. Open Enrollment runs November 1 – January 15. Special Enrollment Periods are available for qualifying life events like losing employer coverage, getting married, or having a baby.
Learn about term life, whole life, universal life, and final expense insurance. A 20-year term policy for a healthy 30-year-old costs $20–$30/month for $500K coverage. Use the DIME method (Debt + Income + Mortgage + Education) to estimate how much coverage you need. Final expense policies ($10K–$25K) cover funeral costs with simplified underwriting.
Supplemental insurance fills gaps in your primary health coverage, paying cash benefits directly to you. Options include dental ($25–$60/month), vision ($10–$25/month), hospital indemnity ($20–$60/month), critical illness ($25–$80/month), accident ($15–$40/month), and cancer insurance ($20–$60/month). Most valuable with high-deductible health plans or Medicare Advantage.
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Client Testimonials — 5.0 Rating on Google (53 Reviews)
"Nick saved us over $340/month on our family health insurance. We were paying $820 on COBRA after my husband changed jobs — Nick found us a marketplace plan with better coverage for $475. We had no idea we qualified for subsidies." — Katie B., Family of 4, Omaha, NE
"I was about to sign up for the first Medicare Advantage plan I found. Nick showed me a Supplement plan that costs $47 more per month but saves me thousands if I ever need surgery. He walked me through every scenario with zero pressure." — Max S., Turning 65, Medicare enrollee
"As a self-employed photographer, I assumed I couldn't afford real health insurance. Nick found me a Silver plan for $62/month after subsidies — and showed me how to deduct it on my taxes. The whole call took 20 minutes." — Karena N., Self-employed, Lincoln, NE
"Nick has been my insurance guy for years. He always takes time to walk me through each plan. He's patient and never pushy. When my rates jumped $200/month last year, he moved me to a better plan that actually cost less. If you need an insurance guy, choose Nick." — Natalie L., Long-term client, Omaha, NE
Frequently Asked Questions
- Do you charge for consultations?
- No. Our consultations are always free with no obligation. We are paid by the insurance carriers, not by you — our service costs you nothing extra.
- What states do you serve?
- We are licensed in all 50 states and can help you no matter where you live. Our office is in Omaha, NE, and we serve clients in person and remotely.
- How is Depke Insurance Agency different from other agencies?
- We are an independent agency with access to 200+ carriers. We provide honest, side-by-side comparisons so you can make confident decisions — no pressure, no captive sales tactics.
- When is Medicare Open Enrollment?
- Medicare Annual Election Period runs October 15 – December 7 each year for changes effective January 1. Your Initial Enrollment Period is a 7-month window around your 65th birthday. Medicare Advantage Open Enrollment runs January 1 – March 31.
- When is ACA health insurance Open Enrollment?
- ACA Open Enrollment runs November 1 through January 15 each year. Enroll by December 15 for January 1 coverage. Qualifying life events trigger a 60-day Special Enrollment Period outside this window.
- How much does Medicare cost in 2026?
- Part A is $0 for most people. Part B is $202.90/month standard. Part B deductible is $283/year. Part A deductible is $1,736 per benefit period. Part D averages ~$35/month with a new $2,100 annual out-of-pocket cap. Medicare Supplement plans range from $80–$450+/month.
- How much does health insurance cost without subsidies?
- Without subsidies, individual ACA premiums average $400–$600/month depending on age and location. However, 92% of marketplace enrollees receive tax credits that reduce costs significantly. A 40-year-old earning $35,000 might pay $100–$200/month for a Silver plan after credits.
- What's the difference between Medicare Supplement and Medicare Advantage?
- Medicare Advantage replaces Original Medicare with a private plan (typically $0 premiums but network restrictions and copays). Medicare Supplement works alongside Original Medicare, covering the "gaps" ($100–$300+/month premiums but freedom to see any doctor). About 54% of beneficiaries choose Advantage; 46% stay on Original Medicare.
- Does health insurance cover pre-existing conditions?
- Yes — under the ACA, insurance companies cannot deny coverage or charge more for pre-existing conditions on any marketplace or employer plan. This applies to all conditions including diabetes, cancer, heart disease, and mental health.
- How do I know which Medicare Supplement plan is best?
- Plan G is the most popular for new enrollees — it covers nearly everything except the Part B deductible ($283/year in 2026). Plan N is a good budget option with small copays. High-Deductible Plan G has the lowest premiums but a $2,870 annual deductible.
- Can you help me compare plans?
- Yes. As an independent agency with access to 200+ carriers, we provide free side-by-side comparisons for Medicare, health, life, and supplemental insurance so you can see exactly what each plan covers and costs.
- What happens if I miss my Medicare enrollment window?
- Late enrollment penalties are permanent. For Part B, it's 10% of the standard premium for every 12-month period you could have had it. For Part D, it's 1% of the national base premium per month of delay. Example: 2 years late on Part B = 20% higher premiums forever.