Business Details
24 Years
experience
Your Trusted Insurance Partner in Muskegon, MI
Capstone Insurance Services has been dedicated to providing personalized health and Medicare insurance solutions since 2002. With over two decades of industry experience, our team specializes in guiding individuals through the complexities of Medicare enrollment, ACA marketplace plans, and supplemental coverage options. We prioritize tailored advice, ensuring clients understand their policy choices, eligibility for subsidies, and long-term healthcare needs. Our commitment extends beyond initial enrollment, offering continuous support for policy adjustments, coverage reviews, and regulatory updates.By focusing on clear communication and client education, we empower individuals to make informed decisions about their health insurance. Our expertise in Medicare Advantage, Medigap, and prescription drug plans positions us as a trusted resource for seniors navigating healthcare options. Through personalized consultations and a deep understanding of insurance regulations, we strive to simplify what can often be an overwhelming process.
Services
Medicare Insurance
Health Insurance
Supplemental Coverage
ACA Marketplace Guidance
Medicare Supplement Plans
Details
- Year established: 2002
Highlights and features
- We offer 20+ years of specialized expertise in Medicare and health insurance.
- Our personalized approach ensures coverage tailored to individual healthcare needs.
- We provide ongoing support for policy adjustments and coverage reviews.
- Our team stays current with evolving insurance regulations and plan options.
- We simplify complex insurance processes with clear, jargon-free explanations.
Services
Medicare Insurance
We provide expert guidance for Medicare enrollment and plan selection, helping seniors understand Part A, B, C, and D options. Our team explains coverage differences, cost structures, and network limitations to ensure informed decisions. With ongoing support for annual plan reviews and regulatory updates, we help clients maintain optimal coverage as their healthcare needs evolve.
Health Insurance
Our health insurance services include ACA marketplace navigation, private plan comparisons, and subsidy eligibility assessments for individuals under 65. We explain coverage options, network providers, and cost-sharing structures while considering clients' medical needs and budget constraints. From short-term solutions to comprehensive long-term coverage, we ensure clients find suitable protection.
Supplemental Coverage
We help clients evaluate supplemental insurance options that cover out-of-pocket costs from hospitalization, critical illnesses, or accidents. Our guidance includes critical illness policies providing lump-sum payments for conditions like cancer, as well as accident coverage for unexpected medical expenses. These plans work alongside primary insurance to reduce financial risk from unforeseen health events.
ACA Marketplace Guidance
Our ACA marketplace services include plan comparisons, subsidy qualification analysis, and enrollment assistance for individuals and families. We explain essential health benefits, deductible structures, and network limitations across available options. By clarifying eligibility requirements and coverage tiers, we help clients select cost-effective plans that meet their specific healthcare needs and financial situations.
Medicare Supplement Plans
We specialize in Medicare Supplement (Medigap) plans that cover deductibles, copayments, and coinsurance not included in Original Medicare. Our team explains different plan types (A-N) and their coverage levels, helping clients choose policies that minimize out-of-pocket expenses. We provide comparative analysis of premium costs versus potential savings on healthcare services to ensure financially sound decisions.
People
Greg Borgeson
Founder
Greg Borgeson founded Capstone Insurance Services in 2002 after starting his insurance career in 1990. With over 20 years of experience in health and Medicare insurance, he specializes in helping clients navigate complex coverage options. His background includes ACA marketplace expertise and specialized knowledge of Medicare Advantage, Medigap, and prescription drug plans.
Questions
What types of insurance do you specialize in?
We specialize in Medicare insurance, individual health insurance, and supplemental coverage options for residents of Muskegon, Michigan.
Do you help with Medicare enrollment?
Yes, we provide comprehensive guidance for Medicare enrollment, including Part A, B, C, and D plan comparisons and selection.
Can you assist with ACA marketplace plans?
We help clients navigate ACA marketplace options, determine subsidy eligibility, and select cost-effective health insurance plans.
What is supplemental insurance?
Supplemental insurance covers gaps in primary health coverage, including hospitalization costs, critical illness payouts, and accident-related expenses.
Do you offer ongoing policy support?
Yes, we provide year-round support for coverage adjustments, policy reviews, and answering questions about existing insurance plans.
Are your services free for clients?
Our insurance guidance is provided at no direct cost to clients through commissions paid by insurance carriers.
