We're Independent Brokers, will review the entire marketplace.

Our clients have a firm grasp of all their options.

The type of agent you use will affect your options and understanding.

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About Us

Insurance can be confusing but it doesn't have to be.

Capstone Insurance Consultants (formerly Capstone Medicare) is an independent brokerage that represents majority of the Medicare & ACA companies in the West and Central Florida. We ask questions to figure out what’s important to the client then show the options best match the client’s answers. We specialize in Medicare and ACA/ObamaCare specifically in West and Central Florida but licensed in multiple states. We have agents that specialize in group, life and other types of insurance.

Understanding Medicare/ACA and then selecting the best plan out of all the numerous options on your own can be confusing and stressful. Then when you call an agent for information; most don’t explain how it works and only try to enroll you in the plan they sell.

Capstone is…

Medicare agents are not all the same...

What’s the Difference Between Captive Agent & Broker?

Does the type of agent you use matter? ABSOLUTELY. The type of insurance agent you use will affect your choices. You may not see all the options available to you if you use the wrong kind of agent. There are two types of Medicare agents; captive agent and independent broker.

Captive agent:

is an insurance agent that works for only one insurance company. Captive agents can only sell the products their employer allows them to sell and cannot help individuals outside of that offering.

Independent broker:

is an insurance agent that sells insurance policies provided by several different insurance companies, rather than a single insurance company

Questions? Let's get in touch.

Services

Our Best Insurance
Services

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Why Use Capstone Insurance?

Capstone just
makes sense
.

We can complete our appointment in person, over the phone or online.  Since we are local, our in person appointments can be done at your home or in our office.  

Experience, Stability & Customer Service are all important factors when picking a broker to trust for guidance.  BUT some brokers only represent a handful of plans so there may be other/better options that you’re not seeing.

Insurance plans, doctors and medications are constantly changing so using Capstone just makes sense.  We will find an option tailored around your priorities today and every year after.  Stability in a broker is an important factor to consider.   

Experts

Meet Our Experienced
Team Member

Roger Jones

Designer

Ann Dowson

Designer

Nicolas Lawson

Designer

Erik Genie

Designer
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          Quote

          Get Ready To Start Saving Money with Capstone

          Since 1960, the Atrix Insurance Company has been serving policy holders protecting businesses, mitigating losses

          Medicare Plan Options
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          Experts

          Meet Our Experienced
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          Pricing Table

          Not Any Hidden Charge, Choose Pricing Plan

          Since 1960, the Atrix Insurance Company has been serving policy holders protecting businesses, mitigating losses

          • Monthly
          • Yearly
          Basic Plan

          $39 / mo

          Fruit is their fill meat abundantly place meat don't stars.

          • 1 User
          • Competitive analysis
          • Monthly management
          • Competitive analysis
          Special Plan

          $49 / mo

          Fruit is their fill meat abundantly place meat don't stars.

          • 1 User
          • Competitive analysis
          • Monthly management
          • Competitive analysis
          Basic Plan

          $79 / mo

          Fruit is their fill meat abundantly place meat don't stars.

          • 1 User
          • Competitive analysis
          • Monthly management
          • Competitive analysis
          Special Plan

          $99 / mo

          Fruit is their fill meat abundantly place meat don't stars.

          • 1 User
          • Competitive analysis
          • Monthly management
          • Competitive analysis

          Medicare can be confusing but doesn’t have to be.

          It’s easy to get lost or make a mistake when learning on your own or with bad guidance (or direction).

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          We educate our clients, we don’t sell insurance.

          100% Local, we’re not a call center in a different state/country.

          We can search the entire marketplace for an unbiased comparison.

          Capstone Insurance Consultants (formerly Capstone Medicare) is an independent agency that represents majority of the Medicare companies in the West and Central Florida. We educate our clients about Medicare and then explain their options. We figure out what is important to the client then show the plans best for each client’s needs. We specialize in Medicare Advantage (Part C), Medicare Supplements (Medigap) and Medicare Part D (Rx plans).

          Understanding Medicare and then selecting the best plan out of all the numerous options on your own can be confusing and stressful. Then when you call an agent for information; most don’t explain how Medicare works and only try to enroll you in the plan they sell.

          How we find the best plan for YOUR needs

          Everyone’s needs are different and plans vary but we start every appointment with the same questions.
          1 We ask some basic questions.

          We need some information like address, doctors, medications and preferences to shop the plan options. We’ll do some homework to see what options are available that have what you’re looking for.

           

          We can meet in person, over the phone or Zoom. Capstone can show you your Medicare options in one appointment.

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          After all questions have been answered and the client feels comfortable, we’ll complete the enrollment but we haven’t gone anywhere. If you need any…

           

          You have questions, we have answers

          Does the type of agent affect the options you see?

          Absolutely. Depending on the type of agent, you may only see a handful of options.

           

          Captive and Independent Broker. But not all brokers are the same; most now work in call centers and don’t service their clients.

          [REVISED AGENT TYPE PHOTOS HERE]

           

          No! Experience, Stability & Customer Service are all important factors when picking a broker to trust for guidance. You want a broker that services their clients and will be here when you have questions.

           

          We get paid a commission by the insurance company for submitting your application. If you stay on that plan, the broker gets paid a monthly renewal payment from the insurance company starting the following year.

           

          There's a reason we have 5 stars

          We will find an option tailored around your priorities today and every year after. Stability in a broker is an important factor to consider and we take pride in impressing our clients every single time. Read what some of our customers are saying below.

          I highly recommend Capstone. Will Smith is knowledgeable and very experienced which really makes you feel sure you are in the right place. The icing on the cake is that you are working with a kind, caring, compassionate person who wants to help your Medicare journey be painless and stress-free. I always want to go with someone who genuinely cares!
          Michelle Bearer
          Will Smith has provided excellent advice and service for the past 3 years. Any questions that I have had for him, he has provided me with the correct information and solutions. With all the cowboys out there trying to sell you more than you require and creating confusion, I feel confident when I speak to a true professional.
          Rashmika Patel
          Will Smith was so helpful and knowledgeable with my complicated Medicare problems. He gave me a plan to start on and shared information for me to begin future planning. He was personable and friendly. I will be using him in the future to plan out my medical insurance.
          Debbie White
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