Rito Capetillo

08/03/2026

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...

07/27/2026

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

07/27/2026

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.

07/20/2026

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.

07/13/2026

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...

07/13/2026

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:

07/06/2026

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.

06/29/2026

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.

06/22/2026

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...

06/19/2026

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