Rito Capetillo

Mental Health Parity Laws: What Your Insurance Must Cover

Mental Health Parity Laws: What Your Insurance Must Cover If you have ever been denied coverage for therapy, inpatient treatment, or a substance use program, you are not alone, and you may have more rights than you realize. Federal law actually requires most health plans to treat mental health care the same way they treat a broken arm or surgery. Understan...

Medicare Advantage — sometimes called Part C — combines Parts A and B, and often Part D, into one plan offered by private insurers approved by Medicare. It’s a simple, all-in-one way to manage your healthcare coverage. Contact us for more details!

(209) 442-4300 https://www.capetillois.com

Medicare and Employer Coverage: What Retirees Need to Know

Medicare and Employer Coverage: What Retirees Need to Know Retiring doesn't mean your health insurance questions retire as well. If you are leaving a job with employer-sponsored coverage and stepping into Medicare, the rules about who pays first and when to enroll can feel like a pop quiz you didn't study for. Here is a summary.

Navigating Health Insurance After a Job Loss: Finding Coverage Fast

Navigating Health Insurance After a Job Loss: Finding Coverage Fast Losing a job is stressful enough without having to figure out health insurance on a deadline. The good news is you have more options than you might think, and knowing how they compare can help you choose coverage quickly without overpaying or leaving gaps.

The Stay-at-Home Parent's Case for Life Insurance

The Stay-at-Home Parent's Case for Life Insurance For twelve years, my husband ran our household while I worked full-time. People used to ask if he had a "real job." I want to answer that question now, because I never got the chance to answer it for him. He passed away suddenly, eight months ago, and in the silence afterward I discovered just how m...

Filing a Claim vs. Paying Out of Pocket: How to Decide

Filing a Claim vs. Paying Out of Pocket: How to Decide When something goes wrong at home, your first instinct might be to call your insurance company. But before you pick up the phone, it is worth asking a simple question:

The True Cost of Being Uninsured in the U.S.

The True Cost of Being Uninsured in the U.S. If you are young, relatively healthy, and rarely visit the doctor, going without health insurance can feel like a smart financial move. But be warned: the numbers behind that decision tell a very different story.

The Truth about $0 Premium Medicare Advantage Plans

The Truth about $0 Premium Medicare Advantage Plans If you have ever seen a TV commercial promising Medicare coverage with a $0 monthly premium, you probably did a double take. No monthly premium sounds like a great deal, and in some cases it genuinely can be.

What Can You Do with the Cash Value in Your Life Insurance Policy?

What Can You Do with the Cash Value in Your Life Insurance Policy? Most people think of life insurance as something their family receives after they are gone. But certain types of permanent life insurance, including whole life, universal life, and variable life, build something valuable while you are still alive: cash value. Over time, this living benefit can becom...

Turning 65 is a big milestone — and it’s also time to make important decisions about Medicare. We’ll guide you through your options so you can enjoy retirement with confidence. Contact Capetillo Insurance Solutions and we’ll help you through the entire process.

(209) 442-4300 https://www.capetillois.com