Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
If you’ve ever searched “Medicare agent near me” and you live in Florida, you’re in the right place. Finding the right Medicare insurance agent is one of the most important decisions you’ll make as you approach retirement not just because Medicare is complicated – though it is – but because the agent you choose will impact your coverage, your costs, and your peace of mind for years to come.
At Capstone Health, we’re an independent Medicare insurance agency based in New Port Richey, Florida. We’re not a call center. We’re not tied to one insurance company. We’re a local office with real people who know the Florida Medicare market and who are here for you year-round, every year – even to confirm you’re still on the best plan.
Most people don’t realize there’s a significant difference between the types of agents out there. Understanding that difference could save you money and a lot of frustration.
Captive agents work for one insurance company. They can only offer you that company’s plans; even if a competitor’s plan would serve you better. They’re not doing anything wrong, but their options are limited by definition.
Call center agents may be independent, but you’re rarely talking to the same person twice. High turnover means the person who helped you enroll last year may be long gone when you have a question in March. You become a policy number, not a person. And when your plan changes, your doctor leaves a network, or you get a bill you don’t understand, you’re starting over with someone new every time.
Independent local agents like Capstone Health represent most of the major carriers in your area. We compare options across plans and companies to find what actually fits your doctors, your prescriptions, and your budget. And because we’re local, you can walk into our office, call us directly, and work with the same agent year after year.
For a decision you’ll live with every day, that difference matters.
The agent you choose on day one should still be your agent five years from now. At Capstone Health, that’s exactly how we work and our clients prove it. We carry over a 90% retention rate and have active clients who have been with us since 2012.
Capstone Health is licensed in Florida and serves clients across the state. Our home office is in New Port Richey, but our reach extends well beyond Pasco County.
Tampa Bay is our home market and where we have the deepest knowledge of local providers, plan networks, and carrier presence. We serve clients throughout Pasco County — including New Port Richey, Trinity, Holiday, Port Richey, Hudson, Land O’ Lakes, Lutz, Zephyrhills, and Dade City — as well as Pinellas County including Clearwater, Palm Harbor, Safety Harbor, St. Petersburg, Largo, Dunedin, and Tarpon Springs. We also serve Hernando County including Spring Hill and Brooksville, Hillsborough County including Tampa, Town N’ Country, Wesley Chapel, Temple Terrace, Ybor City, Brandon, and Riverview, and Polk County including Lakeland, Winter Haven, and Haines City.
En Capstone Health, entendemos que tomar decisiones sobre Medicare puede ser complicado – y aún más cuando no es en tu idioma. Por eso contamos con una agente bilingüe disponible para reunirse en persona aquí en el área de Tampa Bay. Si estás en otra parte de Florida, también estamos disponibles por teléfono o en línea. No vendemos seguros – ayudamos a nuestros clientes a tomar una decisión educada sobre sus opciones de Medicare, en el idioma en que se sientan más cómodos.
Disponible para reunirse en persona en el área de Tampa Bay, y por teléfono o en línea para todos los residentes de Florida.
Central Florida is one of the fastest growing retirement markets in the state and we serve clients throughout the region. Whether you’re in Orange County including Orlando, Osceola County including Kissimmee, Seminole County including Sanford, Lake County including Leesburg, or Sumter County – home to The Villages, one of the largest retirement communities in the country – we can help you navigate your Medicare options with the same personal service we provide in our home market.
From the Nature Coast down through the Gulf Coast corridor, this region is home to some of Florida’s most beautiful communities and a large and growing Medicare population. Along the Nature Coast we serve Citrus County including Homosassa, Floral City, Lecanto, and Crystal River, and Levy County including Bronson and Cedar Key. Continuing south along the Gulf, we serve Manatee County including Bradenton, Sarasota County including Sarasota and Venice, and Charlotte County including Port Charlotte and Punta Gorda. From the manatees in Homosassa to the peaceful shorelines of Punta Gorda, we bring the same local, personal service that bigger agencies simply don’t offer in this region.
Northeast Florida is a growing market with unique plan availability compared to the rest of the state. We serve clients in Duval County including Jacksonville, St. Johns County including St. Augustine, Clay County including Green Cove Springs, Nassau County including Fernandina Beach, Baker County including MacClenny, Putnam County including Palatka, and Flagler County including Palm Coast. If you’re in Northeast Florida and want to work with an independent agent who can compare your options without pressure, we’re a phone call or email away.
The Panhandle has its own Medicare landscape – different carrier footprints and plan availability compared to South and Central Florida, and a strong military and retiree population with unique coverage needs. We serve clients across the region including Escambia County including Pensacola, Santa Rosa County including Milton, Okaloosa County including Fort Walton Beach and Destin, Walton County including DeFuniak Springs, Bay County including Panama City, Holmes County including Bonifay, Washington County including Chipley, Jackson County including Marianna, and Gulf County including Port St. Joe. Distance is no barrier – we work with Panhandle clients by phone and online, and in person when possible.
This isn’t part time or seasonal for us; Medicare is all we do. With over 20 years of experience in the Medicare market, we’ve helped thousands of Floridians understand their options and make confident coverage decisions.
Medicare Advantage (Part C): Medicare Advantage plans bundle your hospital, medical, and usually prescription drug coverage into one plan; often with additional benefits like dental, vision, hearing, and fitness programs. We represent most of the major Medicare Advantage carriers in Florida and can help you compare plans based on your specific doctors, medications, and budget.
Medicare Supplement (Medigap): A Medicare Supplement or Medigap plan works alongside Original Medicare to cover costs that Medicare doesn’t fully pay; like copayments, coinsurance, and deductibles. For people who want predictable costs and broad provider access, a Supplement plan is often the right answer. We’ll walk you through the options and help you find the right fit.
Medicare Part D: Prescription Drug Plans Drug coverage is one of the most misunderstood parts of Medicare. The wrong Part D plan can cost you significantly more than necessary or leave your medications poorly covered. We review your specific prescriptions against available plans every year to make sure you’re in the right plan at the right price.
Medicare Basics: Parts A & B Not sure where to start? We help people new to Medicare understand the foundation: what Part A and Part B cover, when to enroll, and what decisions need to be made before your 65th birthday. Getting the timing right matters, and we make sure you don’t miss a window or incur unnecessary penalties.
While Medicare is our specialty, we also help clients who need coverage outside of Medicare.
ACA Marketplace Plans: For clients who aren’t yet Medicare-eligible or need coverage for family members, we help navigate Affordable Care Act marketplace plans and find the right fit based on income, subsidies, and coverage needs.
Short-Term Medical Insurance: When ACA coverage isn’t affordable or practical, short-term medical plans can bridge a gap. We’ll help you understand when this makes sense and when it doesn’t.
Ancillary Coverage: Sometimes your primary coverage leaves gaps: high deductibles, steep copays, or out-of-pocket costs that add up fast. That’s where ancillary products come in. We offer dental and vision plans to cover what Medicare and most health plans leave out. We also offer hospital indemnity plans – these are products designed to pay you directly when you have a medical event, helping offset bills that your primary insurance doesn’t fully cover. Whether you have an ACA plan with a high deductible, a Medicare Advantage plan with copays, or you’re paying cash for your care; a small monthly premium on an indemnity plan can make a significant difference when you actually need it.
We know every insurance agency says they’re different. Here’s what actually sets us apart:
We’re local and we’re real. Our office is at 7206 Massachusetts Ave in New Port Richey. You can walk in, sit down, and talk to someone who knows your community and your local plan options — not a voice on an 800 number reading from a script.
We’re independent. We represent most of the major carriers in Florida. Our job is to find the right plan for you — not to hit a quota for any one insurance company.
We’re here year-round. Medicare questions don’t only come up in October and November. When your doctor leaves a network, when you get a bill you don’t understand, when your plan changes at the start of the year — we’re available. Every month, every season.
We’re consistent. When you work with Capstone Health, you work with Will Smith directly. Not a different rep every time you call. Not a trainee during your annual review. The same agent who enrolled you is the same agent who supports you going forward.
We have 20+ years of experience. Medicare rules are complex and they change constantly. Experience isn’t just a resume line — it’s the difference between an agent who catches a problem before it becomes your problem and one who doesn’t know what they don’t know.
Whether you're preparing for Medicare, reviewing your current coverage, or looking for personalized guidance, choose the next step that's right for you.
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