Capstone Health
Capstone Health is a family-owned, independent Medicare insurance agency in New Port Richey, Florida that compares Medicare Advantage, Medigap, Part D, and Special Needs Plans across multiple carriers for individual beneficiaries throughout Florida via licensed agents and digital tools.
- Company typePrivate
- Founded2014
- HeadquartersNew Port Richey, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Capstone Health does
Capstone Health, operating under the legal entity Capstone Insurance Consultants, LLC, is a family-owned independent Medicare insurance agency headquartered at 7206 Massachusetts Ave, New Port Richey, Florida. Founded by Will Smith in 2014 after he had been working with Medicare beneficiaries since 2005, the agency serves individual consumers across Florida, with concentrated presence in Tampa Bay (Pasco, Pinellas, Hernando, Hillsborough, Polk Counties) and expanded coverage into Central Florida, North Florida, the Nature Coast, and the Florida Panhandle. The company employs 1-10 staff across seven named licensed agents including Will Smith, Jessica Smith, Mirna (bilingual English/Spanish), Sal, Dave, and the husband-and-wife team of Paul and Kelly, each covering distinct regional territories.
The core product is independent Medicare guidance: licensed agents compare Medicare Advantage (Part C), Medigap (Medicare Supplement), Part D prescription drug plans, and Special Needs Plans across multiple carriers rather than being captive to one insurer. The agency also distributes ACA marketplace and short-term health plans, life insurance (term, whole, and final-expense), and ancillary coverage including hospital indemnity, accident, critical illness, dental, and vision. Service delivery occurs via in-person appointments at the New Port Richey office, phone consultations, online video meetings, and self-service digital tools (Plan Selector, HMO vs PPO Quiz, Enrollment Tool) hosted on the company website.
Revenue is generated on a commission basis: insurance carriers compensate Capstone Health when a client enrolls in a plan, with no additional charge to the client. Go-to-market combines community-led education (blog, video content, county-specific SEO) with paid digital acquisition on Meta, Google Ads, and TikTok, supported by a CRM (GoHighLevel), phone/SMS system (RingCentral), workflow automation (Zapier), and the Spark Medicare plan comparison and enrollment platform. Reported client retention exceeds 90%, with active relationships dating to 2012, and the agency emphasizes an education-first, post-enrollment service model as its competitive positioning.
Capstone Health firmographics
Firmographics- Name
- Capstone Health
- Legal name
- Capstone Insurance Consultants, LLC
- Website
- https://capstoneinsurance.health
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capstone Health is a family-owned, independent Medicare insurance agency in New Port Richey, Florida that compares Medicare Advantage, Medigap, Part D, and Special Needs Plans across multiple carriers for individual beneficiaries throughout Florida via licensed agents and digital tools.
- Ownership category
- akta.pro rank
Capstone Health industry classification
Industry- Product category
- Medicare Insurance Brokerage
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Standalone Hospital Indemnity Insurance (FSAIAKAB)
- akta.pro secondary industries
- Individual Dental & Vision Plans (FSAIAHAI), Standalone Critical Illness Insurance (FSAIAKAA)
Keywords
Where Capstone Health is headquartered
LocationHeadquarters
- HQ city
- New Port Richey
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capstone Health business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Commission Revenue: Capstone Health earns commissions from insurance carriers when clients enroll in Medicare plans. There is generally no additional cost to work with Capstone Health - insurance companies compensate agents when an enrollment is completed, while clients continue to pay the same plan premium they would pay by enrolling directly.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels9 records
Capstone Health product offering
Product offeringCore offering
Capstone Health is a family-owned, independent Medicare insurance agency that provides unbiased guidance and enrollment assistance for Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D prescription drug plans, and Special Needs Plans by comparing offerings from multiple insurance carriers. The agency also distributes individual/family ACA health insurance, life insurance, and supplemental/ancillary products (dental, vision, hospital indemnity, accident, critical illness), with services delivered through licensed independent agents via in-person, phone, and online appointments throughout Florida.
Product overview
Capstone Health is a family-owned, independent Medicare insurance agency that operates as a service-oriented brokerage rather than a single software product. The core offering is Medicare guidance services delivered through independent licensed agents who compare options from multiple insurance carriers. The primary products include Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D prescription drug plans, and Special Needs Plans. Additional insurance products include ACA/health insurance, life insurance, and supplemental/ancillary coverage such as hospital indemnity, accident, critical illness, dental, and vision plans. The company serves clients throughout Florida via in-person, phone, and online appointments.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage (Part C)
- Medicare Supplement (Medigap)
- Medicare Part D Prescription Drug Plans
- Special Needs Plans (SNP)
- Individual & Family Health Insurance (ACA)
- Life Insurance
- Supplemental & Ancillary Coverage
- Medicare Guidance and Annual Review Services
Companies that use Capstone Health
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
Capstone Health technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Capstone Health partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Capstone Health competitors and assessment
Company assessmentDirect peers
- HealthMarkets: Independent insurance agency network licensed across many states; comparable multi-carrier broker model serving individuals and families with health, Medicare, life, and supplemental products.
- GoHealth: Public Medicare-focused insurance broker with proprietary technology and carrier partnerships; similar multi-carrier comparison model but national in scope with significantly larger agent headcount and marketing spend.
- eHealth: Long-standing online health insurance marketplace offering Medicare and individual/family plans from multiple carriers; competes for the same digital-savvy Medicare shopper segment Capstone targets.
- SelectQuote: Public Medicare-focused insurance broker comparing plans across multiple carriers; directly comparable to Capstone in product breadth (Medicare Advantage, Medigap, Part D) but operates at far greater scale with national digital advertising.
Others
- Medicare.gov: Official government Medicare plan-finder and information portal; not a direct competitor for advisory services but a primary alternative that competes for consumer attention and can compress demand for agent-led guidance.
Broad incumbents
- Aetna (CVS Health): Major Medicare Advantage carrier with growing Florida presence; competes with Capstone for direct enrollment while also serving as a potential carrier partner.
- Humana: Largest Medicare Advantage carrier with extensive captive and independent agent distribution; competes for the same Medicare-eligible clients in Florida and influences commission structures Capstone depends on.
- Cigna: National health insurer with Medicare Advantage and Medicare Supplement offerings; competes in the Florida Medicare market and represents a carrier partner option for independent agencies.
- Mutual of Omaha: Insurance carrier strong in Medicare Supplement, life, and supplemental products; combines captive agent distribution with independent agent partnerships that mirror Capstone's product mix.
- UnitedHealthcare: Largest U.S. health insurer with major Medicare Advantage footprint; competes directly through its own agent network and also represents a key carrier partnership opportunity for independent agencies like Capstone.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Capstone Health social profiles
Digital presenceCapstone Health financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capstone Health leadership team
Management profileNumber of profiles
Profiles7 records
Capstone Health funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capstone Health M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capstone Health
What does Capstone Health do?
Capstone Health is a family-owned, independent Medicare insurance agency that provides unbiased guidance and enrollment assistance for Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D prescription drug plans, and Special Needs Plans by comparing offerings from multiple insurance carriers. The agency also distributes individual/family ACA health insurance, life insurance, and supplemental/ancillary products (dental, vision, hospital indemnity, accident, critical illness), with services delivered through licensed independent agents via in-person, phone, and online appointments throughout Florida.
Is Capstone Health a public or private company?
Capstone Health is a private company. It is classified as family owned and is currently operating.
When was Capstone Health founded?
Capstone Health was founded in 2014. It employs 1 to 10 people.
Where is Capstone Health based?
Capstone Health is headquartered in New Port Richey, United States, in the North America region.
How does Capstone Health make money?
One revenue line is on record: insurance Commission Revenue.
Who are Capstone Health's main competitors?
Direct peers on record are HealthMarkets, GoHealth, eHealth and SelectQuote. Medicare.gov is listed as an others. Broad incumbents are Aetna (CVS Health), Humana, Cigna, Mutual of Omaha and UnitedHealthcare.
Does Capstone Health have an API?
No public API is recorded for Capstone Health.
What industry is Capstone Health in?
Capstone Health's product category is Medicare Insurance Brokerage. Its primary akta.pro industry code is FSAIAKAB, Standalone Hospital Indemnity Insurance, with a secondary code of FSAIAHAI, Individual Dental & Vision Plans. Its NAICS code is 52411 and its SIC code is 6411.