Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
Whether you are turning 65, already enrolled in Medicare, or researching your options, choose a resource below to learn more, compare plans, and take the next step with confidence.
Turning 65 or leaving employer coverage? Learn the enrollment timeline with a guide or video, understand your Medicare choices, and avoid costly mistakes before you enroll.
Explore Medicare videos, interactive tools, quizzes, calculators, and downloadable resources designed to help you make informed decisions.
Compare Medigap vs Medicare Advantage then take a quiz to better understand which type of coverage fits your needs.
Not every Medicare agent works the same way. Learn the difference between independent, captive, and call-center agents to see how plan options and service can be affected.
Meet the local Medicare professionals who proudly serve New Port Richey, Tampa Bay, and communities throughout Florida.
Your doctors, prescriptions, health needs, and Medicare plans can all change over time. Find out whether your current Medicare coverage — and your current Medicare agent — are still working for you.
Capstone Health is a family-owned, independent Medicare agency in New Port Richey serving communities throughout Tampa Bay, Central Florida and North Florida.
Since 2005, our focus has been helping people understand their Medicare choices before making a decision. Because we are independent, we can compare options from multiple insurance companies instead of being limited to one carrier.
Our relationship does not end after enrollment. Our local team remains available for questions, changes and annual Medicare reviews as your doctors, prescriptions, health needs and plan options evolve.
The type of Medicare agent you choose can affect the plans you are shown, the guidance you receive, and the support available after enrollment.
Captive agents typically represent one insurance company. Call-center agents may work with a high volume of callers and may not provide the same local relationship or long-term service.
Capstone Health is an independent Medicare agency. We can compare options from multiple insurance companies and help evaluate coverage based on your doctors, prescriptions, budget, health needs, and preferences.
A captive agent generally discusses plans offered by the insurance company they represent.
A call-center agent may focus on phone enrollments, and the person who answers next time may not be the same agent who originally helped you.
Our independent Medicare agents provide local guidance, personal service, and ongoing support throughout Tampa Bay, Central Florida, North Florida, and by phone or online across the state.
New Port Richey · Tampa Bay · Statewide by Phone or Online
Helping Medicare clients understand their choices with more than 20 years of insurance experience.
Meet Will
Tampa Bay & Surrounding Areas
Providing Medicare guidance in English and Spanish through in-person, phone, and online appointments.
Meet Mirna
New Port Richey · Tampa Bay
Bringing a family-centered approach, healthcare advocacy, and years of experience supporting Capstone clients.
Meet Jessica
Tampa Bay · Statewide by Phone or Online
A husband-and-wife Medicare team known for strong client relationships, personal service, and ongoing support.
Meet Paul & KellyExplore our full team to find an agent who serves your community, offers bilingual assistance, or can help by phone or online.
Medicare is our primary specialty, but Capstone Health can also help individuals and families explore health, life, and supplemental insurance options.
Understand Medicare Advantage, Medigap, Part D, Special Needs Plans, enrollment timing, and annual reviews with help from an independent Medicare agent.
Explore ACA marketplace coverage, private health insurance, and short-term medical options for individuals, families, and early retirees.
Protect the people who matter most with final-expense, term-life, and whole-life coverage based on your goals, budget, and family needs.
Help manage out-of-pocket exposure with options such as hospital indemnity, accident, critical illness, dental, and vision coverage.
There is no single Medicare plan that is best for everyone. We compare the details that matter to you so you can make an informed decision based on your healthcare needs, preferences, and budget.
We start by reviewing your doctors, prescriptions, preferred pharmacies, healthcare needs, budget, travel habits, and coverage preferences.
We review the Medicare plans available in your county and compare provider networks, drug coverage, premiums, copays, benefits, and potential out-of-pocket costs.
We explain the advantages, limitations, and tradeoffs of the options that fit your needs so you understand what you are choosing before making a decision.
Medicare decisions do not end after enrollment. We remain available for service questions and annual reviews when plans, prescriptions, doctors, or health needs change.
Use our interactive Plan Selector to explore whether Medigap or Medicare Advantage may better match your priorities, or schedule an appointment for personalized guidance.
Get quick answers to common questions below, explore our complete Medicare FAQ library, or watch short educational videos at your own pace.
There is generally no additional cost to work with a licensed Medicare agent. Insurance companies compensate agents when an enrollment is completed, while you continue to pay the same plan premium you would pay by enrolling directly.
Our role is to help you understand your choices, compare available options, and receive support before and after enrollment.
Yes. Your doctors, prescriptions, health needs, plan benefits, provider networks, and costs can change over time.
An annual review can help determine whether your current coverage still fits your needs and whether your Medicare agent is providing the ongoing service you should expect.
Learn about Medicare annual reviewsYes. Capstone Health offers in-person appointments at our New Port Richey office, along with phone and online appointments.
Our team serves communities throughout Tampa Bay, Central Florida, North Florida, and clients across the state by phone or online.
Meet our Medicare agentsHelping people understand Medicare is only part of what we do. Our goal is to provide personal guidance and dependable service that continues long after enrollment.
Read verified Google reviews from people who have worked with Capstone Health for Medicare education, enrollment guidance, plan reviews, and ongoing support.
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Whether you're preparing for Medicare, reviewing your current coverage, or looking for personalized guidance, choose the next step that's right for you.
Learn when to enroll, understand your Medicare options, and avoid common enrollment mistakes with our step-by-step resources.
Learn About MedicarePlans, prescriptions, doctors, and health needs change. Having the right independent Medicare agent helps ensure your coverage continues to fit your needs year after year.
Value of Annual ReviewsSpeak with one of our independent Medicare agents by phone, virtually, or in person. Get honest answers and personalized guidance tailored to your needs.
Book an AppointmentQuestions before scheduling?
