Medicare Explained
Capstone Insurance and Financial Group helps you understand Medicare so you can choose the right coverage for your future. We simplify the complex so you can feel confident about your healthcare decisions.
Medicare is complicated, but we make it easy to understand.
Medicare is a federal health insurance program for people 65 and older, and for some younger individuals with disabilities. With several parts, options, and deadlines, it can be overwhelming—but we’re here to make it clear.
Original Medicare (Parts A & B),
Medicare Advantage (Part C), and Prescription Drug Plans (Part D) all cover different needs.
Medicare Supplement (Medigap) plans can help cover what Original Medicare doesn't. We guide you through each option and help you decide what fits your health and budget best.
Coverage You Can Count On
We help you understand what each part of Medicare covers, from hospital stays to doctor visits and prescriptions. Knowing what’s included can save you from costly surprises down the road.
Personalized Medicare Guidance
You don’t have to choose a plan alone. Our local advisors help you compare options based on your health, budget, and preferences—without pressure.
We’re With You Year After Year
Medicare isn’t one-and-done. Your needs and options change. We stay by your side with ongoing support and plan reviews to keep your coverage working for you.
Frequently Asked Questions
What is the difference between Medicare Parts A, B, C, and D?
Parts A and B are Original Medicare. Part C is Medicare Advantage, and Part D is for prescription drug coverage.
When should I sign up for Medicare?
You can enroll during your Initial Enrollment Period—three months before you turn 65, the month of your birthday, and three months after.
Can I keep my doctor with Medicare?
It depends on the plan you choose. We help you find a plan that fits your preferred providers.
Do I need both Medicare and a supplement plan?
A Medigap plan helps cover the out-of-pocket costs not paid by Original Medicare. Whether you need it depends on your situation.
Is there a penalty if I don’t enroll on time?
Yes, in some cases. We help you enroll at the right time to avoid unnecessary penalties.
Your Medicare plan should fit your life and your budget.
We’re here to make Medicare clear, easy, and personal.
Our team is here to guide you through every step of Medicare. We’ll explain your options, answer your questions, and help you enroll with confidence.