Medicare Experience
Helping Medicare beneficiaries, agents, and local markets since 2007.
- (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.
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Capstone Health Medicare Specialist
Dave Middleton
Independent Medicare Agent Serving Pensacola and the Florida Panhandle
Helping individuals turning 65 and current Medicare beneficiaries throughout Northwest Florida compare Medicare Advantage, Medicare Supplement, and Part D coverage with experienced, independent guidance.
Independent Agent
Medicare Experience Since 2007
Florida Panhandle Specialist
Year-Round Client Support
Experience That Works for You
Why Medicare Clients Choose Dave
Dave combines local Florida Panhandle knowledge, carrier leadership experience, and independent plan access to help clients make better informed Medicare decisions.
From Carrier Leadership to Client Advocacy
Medicare Industry Experience From Both Sides
Dave began his Medicare career in 2007 with Humana and later served in leadership roles involving WellCare, Centene, and Aetna. In those positions, he worked closely with agents, carriers, provider networks, and local Medicare markets.
Today, Dave uses that experience as an independent Medicare agent working directly for his clients, rather than representing only one insurance company.
- Compare multiple Medicare coverage options
- Review doctors, hospitals, and provider networks
- Evaluate prescriptions, pharmacies, and estimated costs
- Consider budget and long-term healthcare priorities
- Receive year-round support after enrollment
Independent Guidance
Compare multiple carriers instead of being limited to one insurance company.
Panhandle Knowledge
Local understanding of plans, provider systems, and county-level differences.
Ongoing Client Support
Medicare help continues after enrollment with proactive annual plan reviews.
Meet Dave
Proudly Serving Pensacola and Northwest Florida
My name is David Middleton, and I am proud to serve clients throughout Pensacola and the greater Florida Panhandle. My wife, Donna, and I have been married for more than 35 years. We have called Pensacola home for decades while raising our four children.
I began my Medicare career in 2007, helping people turning 65 and individuals transitioning from employer coverage. Early in my career, I learned how much Medicare plans, provider networks, and hospital systems can vary between communities such as Pensacola, Milton, Navarre, and Fort Walton Beach.
My later leadership experience with Humana, WellCare, Centene, and Aetna strengthened my understanding of Medicare products and local market differences. It also reinforced my belief that clients deserve guidance based on their personal needs—not the priorities of a single insurance company.
Becoming independent allows me to compare options using your doctors, prescriptions, preferred hospitals, budget, and coverage priorities. I chose to align with Capstone Health because the agency values education, customer service, long-term relationships, and continued client support.
When I am not helping Medicare clients, you will often find me golfing or fishing along the Gulf Coast.
Learn Before You Enroll
Medicare Education and Planning Resources
Explore Capstone Health’s educational tools, comparisons, and videos before making an important Medicare decision.
Medicare Education Center
Explore enrollment tools, Medicare comparisons, calculators, guides, and planning resources in one place.
Explore the Education CenterMedicare Videos
Watch short videos explaining enrollment, plan types, common mistakes, agent differences, and important Medicare decisions.
Watch Medicare VideosCompare Medicare Options
Compare Medicare Advantage and Medigap paths using your healthcare needs, provider preferences, and budget priorities.
Use the Plan SelectorAnnual Medicare Review
Provide your current doctors, prescriptions, and updated information so Dave can prepare for your annual Medicare plan review.
Start Your Annual ReviewLocal Northwest Florida Guidance
Medicare Help Across the Florida Panhandle
Dave serves Medicare beneficiaries throughout Pensacola and surrounding Northwest Florida communities.
Escambia County
Pensacola
Bellview
Ferry Pass
Perdido Key
Cantonment
Santa Rosa County
Gulf Breeze
Milton
Pace
Navarre
Jay
Okaloosa County
Fort Walton Beach
Niceville
Crestview
Destin
Surrounding Panhandle Communities
Dave can also assist Medicare beneficiaries in nearby Northwest Florida communities based on licensing, plan availability, and local service needs.
Medicare plan availability, provider networks, hospitals, and prescription coverage can vary by county and ZIP code. Dave reviews the options available where you live before making plan recommendations.
Year-Round Client Service
Medicare Help Should Not End After Enrollment
Capstone Health believes serving current clients is a top priority and a core part of how our agents operate. Each year, Dave can help review your providers, medications, plan benefits, and important coverage changes to make sure your current plan continues to fit your needs.
- Proactive annual Medicare reviews
- Doctor and specialist verification
- Prescription and pharmacy review
- Plan benefit and network changes
- Year-round client questions and support
Contact Dave Middleton
Speak With a Florida Panhandle Medicare Agent
Contact Dave with questions about turning 65, leaving employer coverage, comparing Medicare plans, or reviewing your current Medicare coverage.
Phone
Service Area
Pensacola and the Florida Panhandle
Medicare Can Be Confusing, but It Does Not Have to Be
Explore Capstone Health’s educational tools, videos, comparisons, and planning resources before making your next Medicare decision.