Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
At Capstone Health, we offer ancillary insurance products in Florida designed to work alongside your existing health or Medicare coverage. Even the best health insurance plans can leave gaps. Our ancillary products provide cash benefits to help cover copays, deductibles, hospital stays, accidents, and critical illnesses.
Health plans, including Medicare Advantage and individual coverage, can change each year. Deductibles, copays, hospital costs, outpatient surgeries, and diagnostic testing can add up quickly. Ancillary plans provide cash benefits paid directly to you, so you can use the money however you need.
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.
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.
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.
Hospital indemnity plans provide a fixed cash benefit if you are admitted to the hospital for a covered sickness or injury. Benefits are paid directly to you and can help offset hospital copays, deductibles, or other unexpected expenses.
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Accident plans provide cash benefits for injuries resulting from covered accidents. Payments are made directly to you and can help cover medical expenses and everyday bills.
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Critical illness plans provide a lump-sum benefit upon diagnosis of covered serious conditions such as cancer, heart attack, or stroke. The benefit can be used however you choose.
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Some plans combine hospital, accident, and critical illness benefits into one structured option for broader protection.
Who may consider bundled options:
For individuals age 60+ or those on Medicare, there may be hospital indemnity options available with simplified or guaranteed issue underwriting.
Recent plan changes have increased out-of-pocket exposure for hospital stays and outpatient services. Supplemental cash benefit plans may help offset daily copays and provide added financial stability.
Availability and eligibility vary by state and product.
Every situation is different. We’ll review your current coverage and determine whether additional protection may be appropriate.
Our experts will reply you with a quote very soon
Our experts will reply you with a quote very soon
Our experts will reply you with a quote very soon
Our experts will reply you with a quote very soon
Our experts will reply you with a quote very soon