Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
Medicare help in New Port Richey, Pasco County, FL including Trinity, Port Richey, Holiday, Hudson, Land O’ Lakes, Lutz, Wesley Chapel, Zephyrhills, Dade City, San Antonio, Bayonet Point, and surrounding Pasco County communities starts with finding a good local independent agent. Because Medicare plans, provider networks, and prescription coverage vary by ZIP code, receiving guidance from a local independent Medicare specialist can make a meaningful difference. What’s available in one area may not be in another, and coverage changes annually. Working with a local Medicare specialist in Pasco County helps ensure your doctors, hospitals, and prescriptions are properly reviewed and aligned before you enroll.
Capstone Health is a local, family-owned independent Medicare agency based in New Port Richey, Florida. We provide year-round guidance for Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans across Pasco, Pinellas, Hernando, Hillsborough and Polk Counties; helping you make informed decisions based on what’s important to you, not what’s easiest for us.
If you’re turning 65 and new to Medicare in New Port Richey, Trinity, Holiday, Hudson, Port Richey, Land O’ Lakes, Lutz, Zephyrhills, Dade City, or anywhere in Pasco County, the decisions you make during your Initial Enrollment Period can follow you for years. Understanding which plans are available in your ZIP code, whether your doctors are in-network, and how your prescriptions are covered before you enroll is critical. Visit our New to Medicare page for a step-by-step guide built specifically for Tampa Bay and Pasco County residents approaching 65.
If you’re still learning how Medicare works before choosing a plan, our Medicare 101 page explains the basics of Parts A, B, C, and D. Or visit our Medicare Education Center page for free tools, guides, and videos to help learn at your own pace.
Local Medicare Guidance in Pasco County
Medicare plans, provider networks, and prescription coverage can vary throughout Pasco County. Working with an experienced local agent means receiving guidance from someone who understands both Medicare and the communities we serve.
I have helped Medicare beneficiaries since 2005 and have worked as an independent agent since founding Capstone Health in 2014. Our agency is based here in New Port Richey, and Pasco County remains the heart of the communities we serve.
Before discussing specific plans, I take time to understand your doctors, medications, preferred hospitals, budget, and the type of coverage you feel most comfortable with. The goal is not to place everyone into the same kind of plan—it is to help you make an educated Medicare decision based on your needs.
Serving current clients is a top priority and a core part of how Capstone Health operates. Each year, we proactively review your providers, medications, plan benefits, and important coverage changes to help make sure your plan still fits your needs.
Helping Medicare beneficiaries understand enrollment, coverage choices, provider networks, prescriptions, and annual plan changes since 2005.
Meet locally at our Pasco County office, speak by phone, or complete your appointment online based on what works best for you.
We evaluate different Medicare coverage paths using your doctors, medications, budget, hospital preferences, and long-term priorities.
Each year, we review important plan changes and help verify whether your current coverage continues to fit your needs.
Doctors, specialists, hospitals, medical groups, formularies, and pharmacies are reviewed before making plan recommendations.
Capstone Health is an established, family-owned independent agency focused on personal service and long-term client relationships.
What to Look For in a Medicare Agent
Captive agents, national call centers, and independent Medicare agents can differ in the plans they represent and the support they provide after enrollment. Watch this short video to understand the three common types of agents and what those differences could mean for your Medicare experience.
I’ve been helping Medicare clients since 2005. I grew up in Pinellas County and now raise my family here in Pasco County, where we opened our local office in New ...
Years Specialized in Medicare
Years as Independent Agent
Active Medicare Clients
Residents in New Port Richey, Trinity, and across Pasco County typically choose between two primary Medicare coverage paths:
Each option offers different cost structures, provider flexibility, and long-term considerations. The right choice depends on your budget, provider preferences, and coverage priorities.
For a more detailed breakdown of Medicare premiums, deductibles, IRMAA adjustments, and prescription drug costs, see our Medicare Coverage and Costs Deep Dive page.
For a more detailed breakdown Medicare Supplements (Medigap) compared to Medicare Advantage plans, see our Medigap or Medicare Advantage: Which is Right for you page.
Local Medicare Help in New Port Richey and Pasco County
Medicare decisions should be based on accurate provider verification, prescription coverage, clear cost information, and an understanding of how plans work in your local area. Will Smith and Capstone Health help New Port Richey and Pasco County residents compare their options and make educated Medicare decisions without relying on guesswork.
We review your doctors, specialists, hospitals, and medical groups before discussing specific Medicare plan options.
Drug coverage, formularies, pharmacies, and estimated costs should be reviewed as part of your Medicare decision.
Our service continues after enrollment with proactive annual reviews and help understanding important plan changes.
Capstone Health helps Medicare beneficiaries throughout New Port Richey, Trinity, Port Richey, Holiday, Hudson, Land O’ Lakes, Lutz, Wesley Chapel, Zephyrhills, Dade City, San Antonio, Bayonet Point, and surrounding Pasco County communities.
Contact Will Smith and Capstone Health for personalized Medicare guidance or book a time to discuss the options available in New Port Richey and throughout Pasco County.
Local Medicare Help
Meet with us locally, speak with an agent by phone, or contact our office with questions about your Medicare options.
Local Office
Address
7206 Massachusetts Avenue
New Port Richey, Florida 34653
Office
Office Hours
Monday–Friday
9:00 AM–5:00 PM
Yes — the structure of the agent you work with can directly impact your plan options and long-term support.
Captive agents are limited to one insurance company’s plans. While knowledgeable about their specific products, they cannot compare competing carriers that may offer broader provider networks or more stable long-term pricing.
Call centers often focus on high enrollment volume during peak seasons. While they may present multiple carriers, relationships are typically short-term and may not include ongoing annual plan reviews, local provider familiarity, or continuity if representatives change.
A local independent Medicare broker compares multiple carriers, understands local provider networks, and provides year-round support. Medicare plans change annually (networks, drug formularies, and benefits) so having a consistent local independent agent ensures your coverage continues to match your healthcare needs.
Want the full breakdown of how each type works, how they’re paid, and who to call with questions? See Type of Medicare Agents.
Choosing the right Medicare plan is important. Choosing the right guide is critical. Not sure if we serve your area? See all the Florida markets we cover.
The main difference between Medicare Supplement (Medigap) and Medicare Advantage plans is how you receive your Medicare benefits and how costs are structured.
Medicare Supplement (Medigap) plans work alongside Original Medicare (Part A and Part B) and help cover out-of-pocket costs such as deductibles, copayments, and coinsurance. With Medigap, you can typically see any doctor nationwide who accepts Medicare, and referrals are not required. Medigap plans generally have higher monthly premiums but lower out-of-pocket costs when you receive care.
Medicare Advantage (Part C) plans are offered by private insurance companies as an alternative way to receive your Medicare benefits. These plans replace Original Medicare and often include additional benefits such as prescription drug coverage, dental, vision, and hearing. Medicare Advantage plans may have lower monthly premiums but require you to use a provider network (HMO or PPO), and costs can vary depending on the services you use.
Choosing between Medicare Supplement and Medicare Advantage depends on your budget, provider preferences, prescription needs, and long-term coverage goals.
Yes. Most Medicare Advantage plans available in the New Port Richey area already include support for managing ongoing health needs — you can compare your HMO vs. PPO options on our Medicare Advantage Deep Dive page. If you have a qualifying chronic condition, you may also be eligible for a Special Needs Plan (SNP), a specific type of Medicare Advantage plan built around conditions like diabetes, heart disease, or chronic lung disease, often with extra benefits included. Visit our Special Needs Plans page to see if it’s worth a conversation.
A Medicare Supplement (Medigap) plan is private insurance that works alongside Original Medicare (Part A and Part B) to help cover out-of-pocket costs such as deductibles, copayments, and coinsurance. Medigap plans are standardized by the federal government and identified by letter names such as Plan G, Plan N, and others.
With a Medigap plan, you can generally see any doctor or hospital nationwide that accepts Medicare, and referrals are not required. Unlike Medicare Advantage plans, Medigap does not replace Original Medicare—it supplements it by reducing financial exposure from uncovered expenses.
Medigap plans do not include prescription drug coverage, so beneficiaries typically enroll in a separate Medicare Part D plan for medications.
Because Medigap plans offer predictable out-of-pocket costs and broad provider access, they are often chosen by individuals who want flexibility and nationwide coverage.
No, Medicare Supplement (Medigap) plans do not include prescription drug coverage. Medigap policies are designed to work alongside Original Medicare (Part A and Part B) to help cover out-of-pocket costs such as deductibles, coinsurance, and copayments, but they do not cover outpatient prescription medications.
If you enroll in a Medigap plan and want coverage for prescription drugs, you must enroll in a separate Medicare Part D prescription drug plan. Medicare Part D plans are offered by private insurance companies approved by Medicare and help cover the cost of medications listed on the plan’s formulary.
It’s important to enroll in a Medicare Part D plan when you are first eligible, even if you take few or no medications, to avoid the Medicare Part D late enrollment penalty unless you have other creditable prescription drug coverage.
Yes, you can switch Medicare Supplement (Medigap) plans, but approval is not always guaranteed. Unlike Medicare Advantage plans, Medigap plans do not have an Annual Enrollment Period for switching. In most states, changing Medigap plans after your initial enrollment period requires medical underwriting, meaning the insurance company can review your health history and may approve, deny, or charge a higher premium based on your medical conditions.
Your best opportunity to enroll in or change to a Medigap plan without underwriting is during your six-month Medigap Open Enrollment Period, which begins when you are age 65 or older and enrolled in Medicare Part B. During this time, you have guaranteed issue rights and cannot be denied coverage for pre-existing conditions.
In certain situations (such as losing employer coverage or leaving a Medicare Advantage plan) you may qualify for special guaranteed issue rights that allow you to switch Medigap plans without underwriting. Because rules vary by state and timing matters, it’s important to review your options carefully before making a change.
Medicare Supplement (Medigap) Plan G is one of the most comprehensive Medigap plans available. It works alongside Original Medicare (Part A and Part B) to help cover out-of-pocket costs such as deductibles, coinsurance, and copayments.
Plan G covers nearly all Medicare-approved expenses except the Medicare Part B annual deductible. Once the Part B deductible is met, Plan G typically pays 100% of covered services for the remainder of the year, including hospital stays, skilled nursing facility coinsurance, and excess charges (if a provider bills above the Medicare-approved amount).
Because of its broad coverage and predictable out-of-pocket costs, Medigap Plan G is often considered a popular alternative to the discontinued Plan F for individuals who want maximum coverage and nationwide access to providers that accept Medicare.
Medigap Plan G does not include prescription drug coverage, so beneficiaries typically enroll in a separate Medicare Part D plan for medications.
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.
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