- (727) 339-0456
- info@capstoneinsurance.health
- 7206 Massachusetts Ave, New Port Richey, FL 34653
About Us
Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
Contact Us
//Capstone Health
Medicare can be confusing...but
Easy with the Right Agent.
Local Office – Local Expertise
Capstone Health is a local, family owned agency built on relationships. No 800 numbers and no outsourced support – just direct access to your local agent.
Independent-Not Captive or Call Center
Our agents are independent, meaning we work for our clients – not one insurance company or in a call center. We compare multiple plans, provide unbiased recommendations and continued support.
Support Beyond Enrollment
Choosing a plan is just the beginning. We provide annual reviews and ongoing support so you always have someone to call when questions come up.
//Who's Capstone Health
Local. Independent. Long-Term Guidance.
Capstone Health is a family-owned, independent Medicare insurance agency based in New Port Richey, Florida. We provide clear education, objective plan comparisons, and dependable year-round support — helping clients make confident Medicare decisions without pressure.
As a local Medicare agent, we believe in building long-term relationships and serving our community with integrity and accountability.
- Local Office: Real Agents, Not Just a 1-800 Phone Number
- Ongoing Support When You Need It Most
Insurance Plans and Agents Are Not All the Same
Why the Type of Agent Matters
Navigating Medicare then picking a plan alone can be stressful and costly. A common mistake people make today is using the wrong kind of agent. The type of insurance agent you use can affect your options and will definitely affect customer service later in the year. Choosing the right Medicare agent in New Port Richey can impact both your plan options and the support you receive throughout the year. There are couple types of Medicare agents: captive agent, call center agent and independent broker.
//Agent Can Effect:
Plan Options, Customer Service & Annual Reviews
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Captive Agent
A captive agent is a sales agent that's employed by an insurance company and can only sell the products the company allows so their opinion might be biased.
You might be on the best plan this year but how will you know next year? Captive agents might provide great service but if they leave, you're calling an 800#.
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Call Center Agent
Call center agents might represent several companies but are still employed by a company that may limit your options. Call centers have high sales quotas causing high turnover and lack of customer service.
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Independent Agent
An independent agent represents several companies without employer restrictions because they are self-employed. They can help find a different option if the client’s situation changes. Good agents focus on both growth of new and retention of current clients. However, not all independent agents offer the same experience, stability & customer service.
//Our Team
Meet Our Experienced Agents
Capstone employs some of the most knowledgeable people to help you find the exact answers you need now.
Will Smith
Principal / Insurance Consultant
Jessica Smith
Co-Founder / Insurance Consultant
Mirna Alonzo-K.
Insurance Consultant
Sal Putiri
Insurance Consultant
Paul & Kelly Lane
Insurance Consultants
Dave Middleton
Insurance Consultant//Insurance Type
Insurance Solutions
Medicare
Independent guidance on Medicare Advantage, Supplements, and Part D plans. We help you understand your options, compare carriers, and choose coverage that fits your doctors, prescriptions, and budget; with year-round ...
Individual & Family Health Insurance
ACA marketplace plans, private health insurance & short term medical solutions for individuals, families, and early retirees. We evaluate subsidies, networks, and long-term cost structure; not just premiums.
Life Insurance
Protection strategies designed to secure your family’s financial future. Based on your goals, budget, and long-term planning needs; we help you determine the right type of coverage: Final Expense, Term, ...
Supplemental & Ancillary Plans
Additional protection designed to help manage out-of-pocket exposure. Includes dental, vision, hospital indemnity, cancer, heart/stroke, and other fixed-benefit coverage options that work alongside your primary plan.
//Plan Suggestion?
How Does Capstone find the best plan for clients?
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We'll collect basic information
We need some information like address, doctors, medications and plan type preference. We'll do some homework to see what options are available that have what you're looking for.
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We'll schedule an Appointment
We can meet in person, over the phone or online. Capstone can show you all of your Medicare options in one appointment.
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We'll complete the enrollment
After all questions have been answered and the client feels comfortable, we'll complete the enrollment but we haven't gone anywhere. We offer year round support.
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We'll provide an Annual Review (Every Year)
Every year we reach out to our clients to ask some questions. Then we're able to compare new Medicare plans, review provider networks and analyze prescriptions to see if we need to make a change.
What’s the difference between an independent Medicare broker, a captive agent, and a call center?
Captive Medicare agents represent only one insurance company. This means they can only offer plans from that specific carrier, regardless of whether another company may provide stronger benefits, better provider access, or more competitive pricing in your area.
Call Center Medicare agents may offer multiple carriers, but interactions are typically transactional and enrollment-focused. Ongoing support, annual reviews, and provider verification very limited once enrollment is complete.
Independent Medicare agents represent multiple insurance carriers and works directly with clients on plan comparisons, provider network verification, prescription analysis, and long-term strategy. Because independent brokers are not restricted to a single company, recommendations can be based on fit rather than company limitation.
When evaluating Medicare coverage, understanding who represents you is just as important as understanding the plan itself. Plans may change annually, but the agent guiding you through those changes should provide long-term stability.
Why does it matter if my Medicare agent is full-time?
Medicare is not a one-time enrollment decision; it requires ongoing review as plans, provider networks, prescription formularies, and costs can change each year. A full-time Medicare specialist monitors these changes year-round and provides consistent support beyond the initial enrollment.
Working with someone who focuses on Medicare as a primary profession ensures you have access to informed guidance during Annual Enrollment Periods, coverage changes, and unexpected healthcare situations. While many agents enter the industry seasonally or part-time, working with an established Medicare-focused professional can provide greater long-term continuity and reliability.
How much experience should a Medicare agent have?
Experience matters in Medicare because coverage decisions involve underwriting rules, enrollment timelines, income-related premiums (IRMAA), provider networks, and long-term planning considerations.
An agent with years of dedicated Medicare experience has likely guided clients through multiple enrollment cycles, carrier changes, and regulatory updates. Longevity in the industry often reflects both stability and a commitment to serving clients beyond the first enrollment.
Will my Medicare agent still be available in the future?
Medicare coverage requires ongoing attention. Plans may change annually, prescription formularies evolve, and provider networks adjust. Having an agent who is committed to long-term service ensures continuity when questions arise years after enrollment.
Choosing an established, locally based Medicare agency provides peace of mind that support will still be available when you need assistance reviewing plan changes or navigating coverage questions years after enrollment.
What should I look for when choosing a Medicare agent?
When selecting a Medicare agent, consider specialization, accessibility, reputation and stability. Look for someone who works with multiple insurance carriers, focuses primarily on Medicare coverage, good online reviews, and provides year-round support; not just enrollment assistance during peak season.
Medicare decisions affect your healthcare and financial planning long-term. Choosing an experienced, established professional helps ensure your coverage continues to align with your needs as circumstances evolve.
//Testimonials
What our clients say about Capstone
“Will Smith is without a doubt on his insurance game. I needed to research what advantage I could use and within minutes he knew exactly what my best avenue was, ...
“I highly recommend Capstone Health. 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 ...
“I had an excellent meeting with Will. He has an abundance of knowledge regarding health insurance. Will had a lot of patience listening to my medical needs. He was polite ...
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Years of Experience
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Satisfied Clients
Want to learn at your own pace before scheduling an appointment?
Enrollment Tools, Downloadable Guides & Webinar
//Our News
Latest news from
our blog
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