Insurance Experience
More than two decades of combined insurance knowledge and client service experience.
- (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 Specialists
Paul & Kelly Lane
Independent Medicare Agents Serving Clients Across Florida by Phone and Online
Paul and Kelly bring more than 20 years of insurance experience, strong family values, and a shared commitment to helping Medicare beneficiaries understand their options and make informed decisions with confidence.
Husband-and-Wife Team
20+ Years Insurance Experience
Statewide Florida Service
High Client Retention
Experience, Integrity and Long-Term Service
Why Medicare Clients Choose Paul and Kelly
Their reputation is built on education, strong work ethic, clear communication, client satisfaction, and relationships that continue long after enrollment.
A Partnership Built on Trust and Service
Medicare Knowledge Backed by Decades of Insurance Experience
Paul and Kelly have experience across multiple areas of the insurance industry, but Medicare is the market they know inside and out. Their broader insurance backgrounds help them understand how healthcare, life changes, financial priorities, and long-term planning often intersect.
Their success is not measured only by how many people enroll. Their strong retention, member satisfaction recognition, and community reputation reflect the type of client-first service Capstone Health wants every agent to provide.
- Education before making a Medicare decision
- Personalized review of doctors and prescriptions
- Clear explanations without pressure or confusion
- Strong follow-through and year-round availability
- Long-term relationships built on trust
Two Agents Working Together
Clients benefit from the experience, availability, and perspective of a husband-and-wife Medicare team.
Strong Client Retention
Their long-term client relationships reflect consistent service and dependable follow-through.
Trusted Reputation
Respected within their community and throughout the insurance industry for integrity and professionalism.
Meet Paul and Kelly
A Family Partnership Rooted in Trust, Service and Community
Paul and Kelly Lane are high school sweethearts who have been happily married for more than 30 years. Together, they have raised two adult children and built both a family and a business around strong values, hard work, trust, and service to others. Their son has also entered the insurance profession, continuing a family tradition centered on helping people protect what matters most.
Paul is a graduate of the University of South Florida, and Kelly earned her degree from the University of Florida. Their educational backgrounds, decades of partnership, and experience across multiple insurance markets give them a broad perspective when helping clients navigate healthcare and coverage decisions.
Although both have worked with other forms of insurance, Medicare is the area they know inside and out. They understand that choosing coverage involves more than reviewing a premium. Doctors, prescriptions, provider networks, hospitals, expected healthcare use, budget, and personal preferences must all be considered.
Paul and Kelly are known as pillars within their community and have earned an outstanding reputation among clients and insurance professionals. Their work ethic is reflected in the relationships they maintain, the high percentage of clients who remain with them, and the member satisfaction recognition they have received.
Their decision to join Capstone Health was significant for the agency. It was not simply about adding two experienced producers. Their client retention, service standards, values, and reputation represent exactly the kind of agents Capstone Health wants associated with its name.
Based in the Tampa Bay area, Paul and Kelly conduct appointments by phone and online. This allows them to provide personal Medicare guidance to clients throughout Florida while maintaining the accessibility and follow-through of a local agent relationship.
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, coverage choices, 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 updated doctors, prescriptions, and other information so Paul and Kelly can prepare for your annual Medicare review.
Start Your Annual ReviewPhone and Online Medicare Appointments
Serving Medicare Clients Throughout Florida
Paul and Kelly are based in Tampa Bay but use phone and online appointments to help Medicare beneficiaries across the state.
Tampa Bay
Serving Medicare clients throughout Hillsborough, Pasco, Pinellas, Hernando, Polk, and surrounding Tampa Bay communities.
Phone Appointments
Review your Medicare needs directly with Paul or Kelly from the comfort of your home anywhere in Florida.
Online Appointments
Secure online meetings make it possible to review coverage, providers, prescriptions, and plan options statewide.
Statewide Florida Medicare Guidance
Appointment availability and plan options vary by county, ZIP code, and carrier service area. Paul and Kelly review the coverage available where each client lives.
Medicare plans, provider networks, hospital systems, and prescription coverage can differ throughout Florida. Phone and online appointments allow Paul and Kelly to provide personal guidance while reviewing the options specific to each client’s location.
Long-Term Client Relationships
Medicare Help Should Not End After Enrollment
Paul and Kelly’s strong client retention and member satisfaction are the result of continued service—not one enrollment conversation. They believe in reviewing important changes, answering questions, and helping current clients understand whether their coverage continues to meet their needs.
- Proactive annual Medicare reviews
- Doctor and specialist verification
- Prescription and pharmacy review
- Plan benefit and network changes
- Phone and online client support
Contact Paul and Kelly Lane
Speak With an Experienced Florida Medicare Team
Contact Paul or Kelly with questions about turning 65, leaving employer coverage, comparing Medicare options, or reviewing your current Medicare plan.
Paul
Kelly
Service Area
Florida by phone and online
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.