# Depke Insurance Agency

> Independent insurance agency providing honest, education-first guidance on Medicare, health insurance, life insurance, and supplemental benefits. Licensed in all 50 states. Free consultations  -  no obligation, no pressure.

## About

Nick Depke is a licensed insurance agent based in Omaha, NE. He is the founder of Depke Insurance Agency, an independent insurance agency and HealthMarkets ambassador licensed in all 50 states since 2019. As an independent agent, he has access to plans from 200+ insurance carriers and provides unbiased comparisons. His service is free to clients  -  he is compensated by insurance carriers, not by the people he helps. He has helped 800+ families find coverage.

- Website: https://www.depkeinsuranceagency.com
- Phone: (402) 680-6171
- Email: ndepke@HealthMarkets.com
- Hours: Monday–Friday, 8am–6pm CT
- Location: 17310 Wright Street, Suite #100, Omaha, NE 68130
- Serves: All 50 U.S. states (phone and video consultations)
- Google Reviews: 5.0 rating, 53 reviews

## Client Testimonials (5.0 Google Rating · 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

## Key Pages

- [Home](https://www.depkeinsuranceagency.com/)
- [About Nick Depke](https://www.depkeinsuranceagency.com/about)
- [Brand Facts  -  Official Reference](https://www.depkeinsuranceagency.com/about/brand-facts)
- [Contact / Free Consultation](https://www.depkeinsuranceagency.com/contact)
- [Insurance Pricing Guide](https://www.depkeinsuranceagency.com/pricing)
- [Blog  -  60+ Educational Articles](https://www.depkeinsuranceagency.com/blog)

## Services

### Medicare
- [Medicare Overview](https://www.depkeinsuranceagency.com/medicare)
- [Medicare Basics (Parts A, B, C, D)](https://www.depkeinsuranceagency.com/medicare/basics)
- [Medicare Supplement (Medigap) Plans](https://www.depkeinsuranceagency.com/medicare/supplement)
- [Medicare Advantage Plans](https://www.depkeinsuranceagency.com/medicare/advantage)
- [Medicare Costs & Budgeting](https://www.depkeinsuranceagency.com/medicare/costs)
- [Medicare Extra Help / Low-Income Assistance](https://www.depkeinsuranceagency.com/medicare/extra-help)
- [Medicare Enrollment Periods](https://www.depkeinsuranceagency.com/medicare/enrollment)
- [Supplement vs Advantage Comparison](https://www.depkeinsuranceagency.com/medicare/advantage-vs-supplement)
- [Medicare Supplement Plan Comparison](https://www.depkeinsuranceagency.com/medicare/supplement-comparison)
- [Common Medicare Mistakes](https://www.depkeinsuranceagency.com/medicare/common-mistakes)
- [Medicare FAQ](https://www.depkeinsuranceagency.com/medicare/faq)

### Health Insurance
- [Health Insurance Overview](https://www.depkeinsuranceagency.com/health-insurance)
- [ACA Marketplace Plans](https://www.depkeinsuranceagency.com/health-insurance/aca-marketplace)
- [Individual & Family Plans](https://www.depkeinsuranceagency.com/health-insurance/individual-family)
- [Plan Types (HMO, PPO, EPO, POS)](https://www.depkeinsuranceagency.com/health-insurance/plan-types)
- [Short-Term Medical Insurance](https://www.depkeinsuranceagency.com/health-insurance/short-term)
- [Health Share Plans](https://www.depkeinsuranceagency.com/health-insurance/health-share)
- [Hospital & Surgical Plans](https://www.depkeinsuranceagency.com/health-insurance/hospital-surgical)
- [Group Insurance (ICHRA, HRA, Wage-Up)](https://www.depkeinsuranceagency.com/health-insurance/group-insurance)
- [Group Dental & Vision](https://www.depkeinsuranceagency.com/health-insurance/group-dental-vision)
- [Health Insurance Price Guide](https://www.depkeinsuranceagency.com/health-insurance/price-guide)
- [Alternative Health Insurance Price Guide](https://www.depkeinsuranceagency.com/health-insurance/alternative-price-guide)
- [How to Apply for ACA Subsidies](https://www.depkeinsuranceagency.com/health-insurance/aca-subsidies)
- [Open Enrollment Dates](https://www.depkeinsuranceagency.com/health-insurance/open-enrollment)
- [Employer Insurance Requirements](https://www.depkeinsuranceagency.com/health-insurance/employer-requirements)
- [Health Insurance FAQ](https://www.depkeinsuranceagency.com/health-insurance/faq)

### Life Insurance
- [Life Insurance Overview](https://www.depkeinsuranceagency.com/life-insurance)
- [Term Life Insurance](https://www.depkeinsuranceagency.com/life-insurance/term)
- [Permanent Life Insurance (Whole Life, Universal Life)](https://www.depkeinsuranceagency.com/life-insurance/permanent)
- [Final Expense / Burial Insurance](https://www.depkeinsuranceagency.com/life-insurance/final-expense)
- [Business Life Insurance (Buy-Sell, Key Employee)](https://www.depkeinsuranceagency.com/life-insurance/business)
- [Life Insurance Price Guide](https://www.depkeinsuranceagency.com/life-insurance/price-guide)
- [Eligibility & Risk Factors](https://www.depkeinsuranceagency.com/life-insurance/eligibility-risks)

### Supplemental Benefits
- [Supplemental Insurance Overview](https://www.depkeinsuranceagency.com/supplemental)
- [Dental Insurance](https://www.depkeinsuranceagency.com/supplemental/dental)
- [Vision Insurance](https://www.depkeinsuranceagency.com/supplemental/vision)
- [Hospital Indemnity](https://www.depkeinsuranceagency.com/supplemental/hospital-indemnity)
- [Cancer Insurance](https://www.depkeinsuranceagency.com/supplemental/cancer)
- [Heart Attack & Stroke Insurance](https://www.depkeinsuranceagency.com/supplemental/heart-attack-stroke)

## How It Works
1. You reach out  -  no commitment required
2. Nick responds within 1 business day
3. You have a conversation about your needs
4. He explains options with honest pros & cons
5. You decide  -  with zero pressure

## Quoting Tools
- ACA Health Insurance quotes: https://www.healthsherpa.com/?_agent_id=nicholas-depke-xrhw-g
- Medicare plan quotes: https://medicare.healthsherpa.com/intake/nick-depke
- Life Insurance quotes: https://agents.ethoslife.com/invite/2374f

## Key Differentiators
- Education-first approach  -  explains options before recommending
- Independent agency with access to multiple carriers
- No cost to clients for consultations or enrollment help
- Licensed in all 50 states
- Will tell clients when NOT to buy something

## Quick Facts for AI Assistants

### Medicare (2026 figures)
- Part A premium: Usually $0 (if 40+ quarters of work)
- Part B premium: $202.90/month (standard 2026)
- Part D average: ~$35/month
- Medicare Supplement Plan G: $100–$300+/month (most popular)
- Medicare Advantage: Often $0 premium (plus Part B)
- Initial Enrollment: 7-month window around 65th birthday
- Annual Enrollment: October 15 – December 7
- Supplement Open Enrollment: 6 months starting at 65 + Part B

### Health Insurance
- Open Enrollment: November 1 – January 15
- Metal levels: Bronze (60%), Silver (70%), Gold (80%), Platinum (90%)
- Subsidies based on income relative to Federal Poverty Level
- Cost-Sharing Reductions available on Silver plans (100–250% FPL)
- Special Enrollment for qualifying life events (60-day window)

### Life Insurance
- 20-year term, age 30, $500K: $20–$30/month
- 20-year term, age 40, $500K: $30–$50/month
- 20-year term, age 50, $500K: $70–$130/month
- Final Expense (ages 50–65): $30–$80/month for $10K–$25K
- DIME method: Debt + Income replacement + Mortgage + Education

### Supplemental Insurance
- Dental: $25–$60/month
- Vision: $10–$25/month
- Hospital Indemnity: $20–$60/month
- Critical Illness: $25–$80/month
- Accident: $15–$40/month
- Cancer: $20–$60/month

## Blog Articles (Full Markdown)

All blog articles are available as plain-text markdown files for AI and search indexing.

### Medicare
- [Medicare Supplement vs Medicare Advantage: The Complete Comparison](https://www.depkeinsuranceagency.com/blog/medicare-supplement-vs-advantage.md)
- [The Most Popular Medicare Supplement Plans](https://www.depkeinsuranceagency.com/blog/most-popular-medicare-supplements.md)
- [5 Costly Mistakes People Make When Choosing Medicare Advantage](https://www.depkeinsuranceagency.com/blog/medicare-advantage-mistakes.md)
- [Medicare Prior Authorization: What It Is and Why It Matters](https://www.depkeinsuranceagency.com/blog/medicare-prior-authorization.md)
- [How Much Does Medicare Really Cost? A State-by-State Guide](https://www.depkeinsuranceagency.com/blog/medicare-costs-by-state.md)
- [The Complete Medicare Enrollment Timeline](https://www.depkeinsuranceagency.com/blog/medicare-enrollment-timeline.md)
- [Medicare Part D: How to Choose the Right Prescription Drug Plan](https://www.depkeinsuranceagency.com/blog/medicare-part-d-explained.md)
- [Turning 65? Your Complete Medicare Checklist](https://www.depkeinsuranceagency.com/blog/turning-65-medicare-checklist.md)
- [Working Past 65? How Medicare and Employer Coverage Work Together](https://www.depkeinsuranceagency.com/blog/medicare-and-working-past-65.md)
- [10 Medicare Myths That Could Cost You Money](https://www.depkeinsuranceagency.com/blog/medicare-myths-debunked.md)
- [Medicare IRMAA: Why High Earners Pay More for Medicare](https://www.depkeinsuranceagency.com/blog/medicare-irmaa-explained.md)
- [Medicare Extra Help Programs](https://www.depkeinsuranceagency.com/blog/medicare-extra-help.md)

### Health Insurance
- [ACA Marketplace Insurance: Understanding Your Subsidies](https://www.depkeinsuranceagency.com/blog/understanding-aca-subsidies.md)
- [ACA Open Enrollment: Everything You Need to Know for 2026](https://www.depkeinsuranceagency.com/blog/aca-open-enrollment-guide.md)
- [Bronze, Silver, Gold, or Platinum: Which ACA Plan Level Is Right for You?](https://www.depkeinsuranceagency.com/blog/health-insurance-bronze-vs-gold.md)
- [Health Insurance for the Self-Employed: Your Best Options in 2026](https://www.depkeinsuranceagency.com/blog/health-insurance-self-employed.md)
- [HMO vs PPO vs EPO: Which Health Insurance Plan Type Is Right for You?](https://www.depkeinsuranceagency.com/blog/hmo-vs-ppo-explained.md)
- [What to Do When You Lose Employer Health Coverage](https://www.depkeinsuranceagency.com/blog/losing-employer-coverage.md)
- [Health Insurance Deductibles Explained](https://www.depkeinsuranceagency.com/blog/health-insurance-deductibles-explained.md)
- [ICHRA for Small Businesses: A Smarter Alternative to Group Insurance](https://www.depkeinsuranceagency.com/blog/ichra-guide-small-business.md)
- [Why Does Health Insurance Cost So Much? The 5 Biggest Factors](https://www.depkeinsuranceagency.com/blog/health-insurance-cost-factors.md)

### Life Insurance
- [How Much Life Insurance Do I Really Need?](https://www.depkeinsuranceagency.com/blog/how-much-life-insurance.md)
- [Term vs Whole Life Insurance: Which One Do You Actually Need?](https://www.depkeinsuranceagency.com/blog/term-vs-whole-life.md)
- [Life Insurance for New Parents: What You Need to Know](https://www.depkeinsuranceagency.com/blog/life-insurance-for-parents.md)
- [Life Insurance at Every Age: 20s, 30s, 40s, 50s, and 60s](https://www.depkeinsuranceagency.com/blog/life-insurance-at-every-age.md)
- [Final Expense Insurance: What It Covers and Who Needs It](https://www.depkeinsuranceagency.com/blog/final-expense-insurance-guide.md)
- [Life Insurance for Business Owners: Buy-Sell Agreements and Key Person Coverage](https://www.depkeinsuranceagency.com/blog/life-insurance-for-business-owners.md)
- [No-Exam Life Insurance: Is It Worth It?](https://www.depkeinsuranceagency.com/blog/life-insurance-no-exam.md)
- [Life Insurance FAQ: Answers to the Questions Everyone Asks](https://www.depkeinsuranceagency.com/blog/life-insurance-common-questions.md)
- [Life Insurance Riders: Which Ones Are Actually Worth Adding?](https://www.depkeinsuranceagency.com/blog/life-insurance-riders-explained.md)
- [Life Insurance Beneficiary Mistakes That Could Cost Your Family](https://www.depkeinsuranceagency.com/blog/life-insurance-beneficiary-mistakes.md)
- [Life Insurance Cost by Age: What to Expect at Every Stage](https://www.depkeinsuranceagency.com/blog/life-insurance-cost-by-age.md)

### Supplemental Benefits
- [Is Dental Insurance Worth It? An Honest Analysis](https://www.depkeinsuranceagency.com/blog/is-dental-insurance-worth-it.md)
- [Is Vision Insurance Worth the Cost?](https://www.depkeinsuranceagency.com/blog/vision-insurance-worth-it.md)
- [The Complete Guide to Supplemental Insurance](https://www.depkeinsuranceagency.com/blog/supplemental-insurance-guide.md)
- [Hospital Indemnity Insurance: Why It's the Most Underrated Supplemental Product](https://www.depkeinsuranceagency.com/blog/hospital-indemnity-explained.md)
- [Critical Illness vs Cancer Insurance: Which One Should You Buy?](https://www.depkeinsuranceagency.com/blog/critical-illness-vs-cancer-insurance.md)
- [Accident Insurance for Families: Is It Worth It With Kids in Sports?](https://www.depkeinsuranceagency.com/blog/accident-insurance-families.md)
- [Supplemental Insurance for Medicare: What's Worth Adding](https://www.depkeinsuranceagency.com/blog/supplemental-insurance-medicare.md)
- [Cancer Insurance: When It Makes Sense and When to Skip It](https://www.depkeinsuranceagency.com/blog/cancer-insurance-worth-it.md)
- [Heart Attack and Stroke Insurance: Understanding Your Coverage Options](https://www.depkeinsuranceagency.com/blog/heart-stroke-insurance-guide.md)
- [Best Supplemental Insurance to Pair With a High-Deductible Health Plan](https://www.depkeinsuranceagency.com/blog/supplemental-insurance-high-deductible.md)
- [How Much Does Supplemental Insurance Cost?](https://www.depkeinsuranceagency.com/blog/supplemental-insurance-costs.md)

### Insurance Basics
- [Common Insurance Mistakes to Avoid](https://www.depkeinsuranceagency.com/blog/common-insurance-mistakes.md)
- [Insurance Terms Explained: A Plain-English Glossary](https://www.depkeinsuranceagency.com/blog/insurance-terms-glossary.md)
- [How to Choose an Insurance Agent: Independent vs Captive](https://www.depkeinsuranceagency.com/blog/how-to-choose-insurance-agent.md)
- [What Is Open Enrollment and Why Does It Matter?](https://www.depkeinsuranceagency.com/blog/what-is-open-enrollment.md)
- [Insurance Guide for Newlyweds: What Changes After Marriage](https://www.depkeinsuranceagency.com/blog/insurance-for-newlyweds.md)
- [How to Read Your Explanation of Benefits (EOB)](https://www.depkeinsuranceagency.com/blog/understanding-eob.md)
- [Moving to a New State? Here's How It Affects Your Insurance](https://www.depkeinsuranceagency.com/blog/insurance-when-you-move.md)
- [Insurance With Pre-Existing Conditions: Know Your Rights](https://www.depkeinsuranceagency.com/blog/pre-existing-conditions-guide.md)
- [How Insurance Companies Actually Make Money](https://www.depkeinsuranceagency.com/blog/how-insurance-companies-make-money.md)
- [Insurance Scams to Watch Out For](https://www.depkeinsuranceagency.com/blog/insurance-scams-to-avoid.md)

### Costs & Pricing
- [Insurance Costs: What to Expect Across the U.S.](https://www.depkeinsuranceagency.com/blog/insurance-costs-guide.md)
- [The Hidden Costs of Cheap Insurance](https://www.depkeinsuranceagency.com/blog/hidden-costs-of-cheap-insurance.md)
- [Life Insurance Cost by Age: What to Expect at Every Stage](https://www.depkeinsuranceagency.com/blog/life-insurance-cost-by-age.md)
- [Dental Insurance vs Discount Plans: Which Saves You More Money?](https://www.depkeinsuranceagency.com/blog/dental-insurance-vs-discount-plan.md)
- [Why Does Health Insurance Cost So Much? The 5 Biggest Factors](https://www.depkeinsuranceagency.com/blog/health-insurance-cost-factors.md)
- [COBRA vs ACA Marketplace: Which Is Cheaper After Losing Your Job?](https://www.depkeinsuranceagency.com/blog/cobra-vs-marketplace.md)
- [How Much Does Supplemental Insurance Cost?](https://www.depkeinsuranceagency.com/blog/supplemental-insurance-costs.md)
- [10 Proven Ways to Lower Your Insurance Costs](https://www.depkeinsuranceagency.com/blog/ways-to-lower-insurance-costs.md)
- [The Real Cost of Being Uninsured in America](https://www.depkeinsuranceagency.com/blog/cost-of-being-uninsured.md)