- (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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New to Medicare
You're Only New to Medicare Once.
There’s a lot of information online and on social media - but not all of it is accurate or applies to your situation. Instead of trying to piece everything together yourself, let us help you understand how Medicare works before you enroll.
Whether you're turning 65 or leaving employer coverage, Capstone Health can help you make an educated decision with no pressure and no obligation.
Start Here
New to Medicare Checklist
Use the checklist to make sure you understand the major steps before your enrollment window opens.
- ✓ Learn Medicare Parts A, B, C, and D
- ✓ Understand your enrollment window
- ✓ Compare Medigap vs. Medicare Advantage
- ✓ Review prescription drug coverage
Enrollment Timeline
Medicare Enrollment Tool
Not sure when or how to enroll? Answer a few questions to determine your enrollment timeline and which guide fits your situation.
Personal Help
Ready to Build Your Medicare Plan?
Meet with a local independent Medicare agent who can compare plans based on your doctors, prescriptions, preferred hospitals, and budget.
✓ Family-Owned Agency in New Port Richey
✓ Independent Agent - Not a Call Center
✓ Make an Educated Decision
✓ Proactive Annual Reviews
Turning 65 or Coming Off Employer Coverage?
Your Medicare enrollment path depends on more than your age. Whether you are turning 65, still working, leaving employer coverage or already collecting Social Security can affect when you should enroll and which steps you need to complete.
Use the flowchart below for a general overview of the most common enrollment paths. For personalized guidance, interactive tools and detailed enrollment resources, continue to the Medicare Education Center.
General Medicare enrollment overview: Individual situations can vary based on employer coverage, employer size, disability status, Social Security enrollment and other Medicare eligibility rules.
Medicare Enrollment Videos
Watch the Medicare Enrollment Process
Sometimes it's easier to see the process than read about it. These short videos explain the two most common Medicare enrollment situations and help you understand what to expect before you enroll.
Turning 65 and Not Collecting Social Security
If you're approaching age 65 and are not receiving Social Security benefits, you'll usually need to enroll in Medicare yourself. This video explains when to apply, where to enroll and what to expect.
Leaving Employer Coverage After Age 65
If you've delayed Medicare because you had employer coverage, this video explains your Special Enrollment Period, the forms you may need and how to avoid late enrollment penalties.
New to Medicare Checklist
New to Medicare?
Your Step-by-Step Medicare Timeline
A simple checklist for people getting Medicare before, at, or after age 65. Use this timeline to prepare, compare your options, and avoid common Medicare enrollment mistakes.
Creating your planning guide...
20+ YearsMedicare experience
IndependentWe work for you
Local & Family-OwnedServing Florida
No Call CentersSpeak with a real person
6MONTHS
BEFORE 65
BEFORE 65
6 Months Before 65
Learn and prepare
4MONTHS
BEFORE 65
BEFORE 65
4 Months Before 65
Prepare for enrollment
3MONTHS
BEFORE 65
BEFORE 65
3 Months Before 65
Your Medicare Enrollment Window Opens
1MONTH
BEFORE 65
BEFORE 65
1 Month Before 65
Confirm everything is ready
Helpful Resources
Enrollment PeriodsReview important Medicare timeframes Contact Capstone HealthAsk us about missing cards, dates, or next stepsHave Your Medicare Card ReadyAfter completing the intake form, bring your Medicare card to your appointment or have it nearby for a phone or online meeting.
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AFTER
MEDICARE
STARTS
MEDICARE
STARTS
After Medicare Starts
Stay on track
Ready for Help Comparing Your Medicare Options?
Capstone Health can help review your doctors, prescriptions, budget, and preferences so you understand which Medicare path fits your needs.
First Decision Is Picking the Right Medicare Agent
Choosing the Right Medicare Agent
Choosing the Right Agent Can Matter More Than Choosing the Right Plan
Medicare plans can change every January. A trusted agent shouldn't.
Changing plans annually can sometimes make sense. Changing agents annually rarely does.
The Medicare plan you choose is important—but so is the person helping you choose it. Call centers, captive agents, and independent agents all work differently. Understanding those differences can help you choose someone who will still be there when your needs change.
Call Center
High Volume.
High Turnover.
New Relationship Every Year.
High Turnover.
New Relationship Every Year.
Captive Agent
One Insurance Company.
Recommendations Limited to Their Products.
Recommendations Limited to Their Products.
Independent Agent
Multiple Options.
Personalized Advice.
Long-Term Relationship.
Personalized Advice.
Long-Term Relationship.
Call Center Agents
Call centers often focus on quick enrollments and high call volume. You may never speak with the same representative twice, making long-term Medicare guidance more difficult.
Captive Agents
Captive agents usually represent one insurance company. They can provide good service, but they're limited to recommending plans offered by that carrier.
Independent Local Agents
Independent agents can compare plans from multiple insurance companies and continue helping you year after year as your doctors, prescriptions, and Medicare needs change.
The Next Decision Is Picking the Right Medicare Coverage
Getting Started
Ready to Take the Next Step?
Whether you're turning 65, retiring, or leaving employer coverage, we're here to help you understand your Medicare options before you enroll.
Education Center
Continue Learning About Medicare
Explore Medicare videos, decision tools, calculators, enrollment resources, and educational guides to help you make informed decisions.
Our Team
Meet Our Medicare Team
Learn why people throughout Tampa Bay choose Capstone Health for independent Medicare guidance and year-round support.
Schedule
Book Your Medicare Consultation
Have questions about enrollment, Medicare Supplement plans, or Medicare Advantage? Schedule a no-obligation appointment.