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Questions? Call Us Today (954) 857-9723

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Questions? Call Us Today (954) 857-9723

Your Path to the Right Medicare Advantage and Medicare Supplement Coverage

As licensed insurance agents, we are committed to guiding you in selecting the right Medicare Advantage and Medicare Supplement Insurance plans. Our personalized approach ensures that your unique health needs and financial objectives are met with the most suitable Medicare solutions available.

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Your Trusted Medicare Partner: Customized Plans and Expert Advice

At Capital Risk Insurance Group, we are dedicated to simplifying the Medicare journey for our clients. Navigating the complexities of Medicare can be daunting, but our experienced team is here to guide you every step of the way. Here's how we can help:

  • Personalized Consultations: We start with an in-depth consultation to understand your unique healthcare needs and financial situation. This personalized approach ensures that we can recommend the most suitable Medicare Advantage and Medicare Supplement Insurance plans that align with your specific requirements.
  • Comprehensive Plan Comparisons: With a wide array of plans available, choosing the right one can be overwhelming. We assist you by comparing different Medicare Advantage and Supplement Insurance options, highlighting the benefits and limitations of each. Our goal is to provide clarity and insight, empowering you to make informed decisions.
  • Expert Advice and Guidance: Our team of licensed insurance agents brings a wealth of knowledge and expertise to the table. We stay up-to-date with the latest changes in Medicare policy and coverage options, ensuring that you receive accurate and timely advice tailored to your situation.
  • Ongoing Support and Advocacy: Our commitment doesn’t end once you’ve selected a plan. We provide ongoing support to address any questions or concerns you may have about your coverage. Whether you need assistance with claims, understanding benefits, or adjusting your plan, we are your trusted advocates.
  • Customized Solutions for Peace of Mind: We recognize that every individual’s healthcare needs are different. By tailoring our services to your specific circumstances, we aim to provide peace of mind, knowing that you have the right coverage in place to meet your healthcare needs.


Capital Risk Insurance Group, your satisfaction is our top priority. We are passionate about helping you find the right Medicare solutions, ensuring that you receive the care and support you deserve. Let us be your partner in securing a health plan that truly fits your life.

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Our Medicare Services

Tailored Solutions for Your Healthcare Needs

At Capital Risk Insurance Group, we specialize in helping our clients navigate the complexities of Medicare. Our dedicated team is committed to providing personalized support in finding the right Medicare Advantage and Medicare Supplemental Insurance plans to fit your unique healthcare requirements.

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Medicare Advantage Plans

Medicare Advantage plans, also known as Part C, offer an all-in-one alternative to Original Medicare, combining hospital, medical, and often prescription drug coverage.


  • Comprehensive Coverage: Access to a wide range of healthcare services, including hospital stays, doctor visits, and preventive care.
  • Additional Benefits: Many plans include extra services such as vision, dental, and hearing coverage.
  • Network Flexibility: Choose from a variety of plans that suit your healthcare provider preferences and location.


Choosing the right Medicare Advantage plan can lead to better health outcomes and peace of mind. Let us help you find a plan that maximizes your healthcare benefits and aligns with your lifestyle.

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Medicare Supplement Insurance

Medicare Supplement Insurance, or Medigap, helps cover costs not included in Original Medicare, such as copayments, coinsurance, and deductibles.


  • Cost Management: Reduce out-of-pocket expenses for medical services covered under Original Medicare.
  • Freedom to Choose: Maintain the flexibility to visit any doctor or healthcare provider that accepts Medicare.
  • Guaranteed Renewability: Rest assured that your policy cannot be canceled as long as you pay your premiums on time.


With the right Medigap plan, you can protect yourself from unexpected healthcare expenses. We're here to guide you in selecting a supplement policy that complements your Medicare coverage.

At Capital Risk Insurance Group, our priority is to ensure you have the necessary coverage to meet your healthcare needs efficiently. Contact us today to explore your Medicare options and secure a plan that provides both security and confidence in your healthcare future.

What is Medicare?

Medicare is a federal health insurance program primarily designed to provide essential healthcare coverage for individuals aged 65 and older. It also extends benefits to certain younger individuals who have disabilities or those experiencing End-Stage Renal Disease, which is a permanent kidney failure requiring dialysis or a transplant. For many, eligibility for Medicare is automatic upon receiving Social Security benefits and reaching the age of 65. Younger individuals may qualify if they meet specific disability or medical condition criteria.

Understanding Medicare Parts: A, B, C, and D Coverage

Medicare is structured into distinct parts, each designed to address specific areas of healthcare needs and services. This division enables beneficiaries to have access to comprehensive coverage options tailored to their individual requirements. Each part complements the other, working together to ensure that eligible individuals receive the most suitable healthcare solutions for their circumstances.

Part A (Hospital Insurance)

Part A provides coverage for essential inpatient services, including hospital stays, care in skilled nursing facilities, and hospice services. It also extends to some home health care, ensuring patients receive the necessary support during recovery.

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Part B (Medical Insurance)

Part B covers a wide range of outpatient services such as visits to doctors and other healthcare providers. It also includes preventive services, durable medical equipment, and home health care, promoting overall wellness and early detection of health issues.

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Part C (Medicare Advantage)

Medicare Advantage plans are an alternative to Original Medicare, bundling Part A and Part B coverage, and sometimes Part D, into a single plan. These plans are offered by private insurance companies approved by Medicare, often providing additional benefits.

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Part D (Prescription Drug Coverage)

Part D focuses on helping beneficiaries manage the cost of prescription medications, covering both generic and brand-name drugs. It is available through private insurers that are approved by Medicare, allowing for a range of plan options to fit different needs.

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Medicare Advantage and Supplement Plans

Frequently Asked Questions

Navigating the world of Medicare Advantage and Supplement Plans can be overwhelming. At Capital Risk Insurance Group, we're here to simplify the process and provide you with the answers you need. Below are some of the most frequently asked questions, answered by our team of licensed insurance agents.

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Medicare Advantage

  • What are the types of Medicare Advantage Plans?

    Medicare Advantage Plans, also known as Part C, come in several types:


    • Health Maintenance Organization (HMO): Requires you to use a network of doctors and hospitals. Referrals are often needed for specialists.
    • Preferred  Provider Organization (PPO): Offers more flexibility in choosing healthcare providers, with lower costs for in-network services.
    • Private Fee-for-Service (PFFS): Allows you to see any Medicare-approved provider who accepts the plan's payment terms.
    • Special Needs Plans (SNPs): Tailored for individuals with specific diseases or characteristics, providing focused care management.
    • Medicare Savings Account (MSA): Combines a high-deductible insurance plan with a bank account to help pay for healthcare costs.

  • How do Medicare Advantage Plans differ from Original Medicare?

    Medicare Advantage Plans are an alternative to Original Medicare, offering all Part A and Part B benefits and often including additional services like vision, dental, and hearing. These plans may also include Part D prescription drug coverage, providing a comprehensive package under one plan, unlike Original Medicare.

  • What are the benefits of choosing a Medicare Advantage Plan?

    Medicare Advantage Plans offer several benefits, such as lower out-of-pocket costs for services, additional coverage options like prescription drugs, and extra benefits not covered by Original Medicare, including wellness programs and routine exams. They also provide a single point of contact for all your healthcare needs, simplifying management.

  • Are there any additional costs associated with Medicare Advantage Plans?

    While some Medicare Advantage Plans have no additional premium beyond the standard Part B premium, others may require an additional monthly premium. Additionally, there may be copayments, coinsurance, and deductibles for certain services. It's important to compare costs and benefits to find a plan that fits your budget.

  • Can I change my Medicare Advantage Plan if my needs change?

    Yes, you can change your Medicare Advantage Plan during the annual Open Enrollment Period  or the Medicare Advantage Open Enrollment Period. If your healthcare needs or preferences change, these periods allow you to switch plans to better suit your situation.
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Supplement Plans

  • What is a Medicare Supplement Plan, and how does it work?

    A Medicare Supplement Plan, also known as Medigap, is designed to cover costs not fully paid by Original Medicare, such as copayments, coinsurance, and deductibles. Medigap policies are sold by private insurance companies and work alongside Medicare Part A and Part B, allowing you to minimize out-of-pocket expenses associated with your healthcare.

  • How many types of Medigap plans are available, and do they differ by state?

    There are ten standardized Medigap plans available in most states, labeled A through N. Each plan offers a different level of coverage, but the benefits are consistent across insurers. However, Massachusetts, Minnesota, and Wisconsin have different standardization rules, offering their own versions of Medigap plans. It’s important to compare these plans based on your specific location.

  • Can I enroll in a Medigap plan anytime?

    The best time to enroll in a Medigap plan is during your six-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, you have guaranteed issue rights, meaning you can buy any policy sold in your state without medical underwriting. Enrolling outside this period may result in higher premiums or denial of coverage based on health conditions.

  • Is prescription drug coverage included in Medigap plans?

    Medigap plans do not include prescription drug coverage. If you need coverage for medications, you should consider enrolling in a standalone Medicare Part D plan to complement your Medigap policy. This allows you to have comprehensive healthcare coverage, addressing both medical services and prescription needs.

  • How do Medigap premiums vary, and what factors influence their cost?

    Medigap premiums vary based on factors such as the plan type, your age, location, gender, and the insurance company. Some plans may have community-rated, issue-age-rated, or attained-age-rated pricing, affecting how your premium changes over time. It is advisable to compare different insurers and understand their pricing models to find a plan that fits your budget and offers the necessary coverage.
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Guiding You Through Your Medicare Choices

At Capital Risk Insurance Group, we understand that the Medicare process can be intricate and tailored to each individual's healthcare needs. We are dedicated to offering personalized guidance to help you select the most suitable Medicare Advantage or Supplemental Insurance plan.


Our knowledgeable insurance agents are experts in evaluating your healthcare needs and budget, providing you with tailored advice on the best Medicare options available. We collaborate with you to craft a comprehensive Medicare plan, ensuring you have the essential coverage and services you require.

Our commitment goes beyond providing insurance; we focus on fostering lasting relationships with our clients by offering continuous support and guidance. When you choose to work with us, you can be confident that your healthcare needs are managed by capable professionals.


Reach out to us today to discover how we can help you make well-informed Medicare decisions. Schedule a personalized consultation with our experienced agents and let us guide you through the Medicare process. Your healthcare security is our top priority.

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