• (727) 339-0456
  • info@capstoneinsurance.health
  • 7206 Massachusetts Ave, New Port Richey, FL 34653
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  • 7206 Massachusetts Ave, New Port Richey, FL 34653
  • (727) 339-0456
  • info@capstoneinsurance.health
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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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Will Smith, independent Medicare agent in New Port Richey, Florida
Licensed Since 2005 More than 20 years of Medicare experience
Independent Medicare Agent in New Port Richey

Will Smith

Founder of Capstone Health and Local Medicare Agent Serving Pasco County

Will helps individuals turning 65, retiring from employer coverage and reviewing existing Medicare plans understand their options and make educated decisions.

Licensed since 2005 and independent since 2014, Will provides direct, local Medicare guidance without call centers, rotating representatives or pressure to make a rushed decision.

  • More than 20 years of experience
  • Independent Medicare guidance
  • Local New Port Richey office
  • Proactive annual plan reviews
Book an Appointment Call 727-339-0456
Licensed Since 2005 More than 20 years in Medicare
Independent Since 2014 Multiple coverage options considered
Family-Owned Agency Located in New Port Richey
Year-Round Support Service continues after enrollment

Medicare Experience Built Around Education and Advocacy

Will began his Medicare career in 2005 as a captive insurance agent. That experience gave him a strong understanding of Medicare Advantage, Medicare Supplement insurance, prescription drug coverage and the challenges beneficiaries face when navigating Medicare for the first time.

In 2014, Will became an independent Medicare agent and founded the agency that would become Capstone Health. The decision was based on a simple belief: an agent can provide stronger guidance when coverage recommendations are not limited to one insurance company.

Today, Will helps New Port Richey, Pasco County and Tampa Bay residents review Medicare coverage based on their doctors, prescriptions, hospitals, budget, travel needs and healthcare priorities.

Will operates Capstone Health with his wife, Jessica, as a local family-owned agency. The goal is not merely to complete an enrollment, but to become a dependable resource clients can contact when questions or coverage problems arise later.

Clients work with a local agency that understands their community, healthcare providers and regional Medicare market. They are not transferred to a national call center or expected to begin again with a different representative every time they need help.

“Our job is not to sell insurance. It is to help our clients make an educated decision about their health insurance options.”

Contact Will

Office Phone 727-339-0456
Email will@capstoneinsurance.health
Capstone Health Office 7206 Massachusetts Avenue
New Port Richey, FL 34653
Office Hours Monday–Friday
9:00 AM–5:00 PM
Book an Appointment Call the Office Email Will
Local Medicare Guidance

How Will Helps Medicare Beneficiaries

The right Medicare decision depends on where you are in the enrollment process and what matters most to your health, finances and future coverage.

1

Turning 65 or New to Medicare

Understand your enrollment timing, how Medicare Parts A and B begin and what coverage decisions need to be made before your effective date.

  • Initial Enrollment Period
  • Social Security enrollment
  • Medicare Parts A and B
  • Medigap and Medicare Advantage
Explore New to Medicare →
2

Retiring From Employer Coverage

Coordinate employer insurance, Part B enrollment, prescription coverage, HSA timing and the transition to Medicare without creating a coverage gap.

  • Special Enrollment Period
  • Employer coverage review
  • Part B application timing
  • HSA contribution concerns
Use the Enrollment Tool →
3

Already Enrolled in Medicare

Review whether your current Medicare coverage still fits your doctors, prescriptions, budget and changing healthcare needs.

  • Doctor and hospital review
  • Prescription comparison
  • Plan benefit changes
  • Proactive annual reviews
Learn About Annual Reviews →

Local Medicare Help Without the Call-Center Experience

Medicare decisions are personal. Your agent should know more than your name and phone number. Will reviews the doctors you want to keep, the prescriptions you take, your preferred hospitals and the way you expect to use your coverage.

Capstone Health is based in New Port Richey and serves the surrounding Tampa Bay community. Clients can call a local office, speak with people they know and receive assistance after enrollment—not only when a plan is being selected.

Meet With Will

Schedule time to discuss Medicare enrollment, your current plan or an upcoming change in employer coverage.

Book an Appointment
Personalized Medicare Service

What to Expect When Working With Will

Medicare guidance should begin with your needs—not with a plan brochure or an advertisement.

1

Understand Your Situation

Review your enrollment timing, existing coverage and healthcare priorities.

2

Complete the Homework

Evaluate doctors, prescriptions, hospitals, costs and available coverage.

3

Explain the Tradeoffs

Understand why one option may fit better and what you could be giving up.

4

Provide Ongoing Support

Receive help with plan questions, coverage changes and annual Medicare reviews.

90%+ Client retention reflects ongoing relationships—not one-time enrollments.

Service Should Continue After Enrollment

Medicare Advantage and Part D plans may change their premiums, provider networks, drug formularies, copayments and benefits from one year to the next. Clients’ doctors, prescriptions and healthcare needs can change as well.

Capstone Health provides proactive annual plan reviews and remains available throughout the year when clients have questions about a doctor leaving a network, a prescription problem, a plan notice or another Medicare concern.

Clients should not have to call an unfamiliar phone number, navigate a voicemail maze or start over with a new agent every time they need assistance.

Serving New Port Richey, Pasco County and Tampa Bay

Will’s primary office is located in New Port Richey, Florida. Capstone Health helps Medicare beneficiaries throughout Pasco County and surrounding Tampa Bay communities.

Plan availability, provider networks and benefits vary by county, ZIP code and individual eligibility.

Pasco County
Pinellas County
Hernando County
Hillsborough County
New Port Richey
Trinity
Port Richey
Hudson

Learn Before You Make a Medicare Decision

Access Capstone Health’s Medicare guides, educational videos and resources before your appointment. The guide link currently leads to Will’s existing education page and can later be changed to the shared ActiveCampaign landing page.

Access Medicare Guides Visit the Education Center

Questions About Your Medicare Options?

Schedule an appointment with Will to review your enrollment timing, doctors, prescriptions, budget and Medicare coverage choices.

Book an Appointment Call 727-339-0456

We do not offer every plan available in your area. Currently, we represent multiple organizations that offer products in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Capstone Health is not connected with or endorsed by the United States government or the federal Medicare program.

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About Capstone

Medicare can be confusing... but it doesn't have to be. As a family-owned independent Medicare agency, we're here to help you compare your options, choose coverage confidently, and provide support long after enrollment. Helping Florida Medicare beneficiaries make confident decisions since 2014.

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Local Office Information

  • 7206 Massachusetts Ave, New Port Richey, FL 34653
  • (727) 339-0456
  • info@capstoneinsurance.health

Required Medicare Disclaimer

We do not offer every plan available in your area. Currently we represent 15 organizations which offer X products in your area. Please contact Medicare.gov or call 1-800-MEDICARE to get information on all of your options.

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