Rito Capetillo

Rito Capetillo Hello, my name is Rito Capetillo, an agent with JAR Insurance Services, serving Stanislaus and surrounding counties.

With over a decade of experience, I can provide expert advice to Medicare beneficiaries, regarding their health plan options.

Why the Lowest Premium Might Cost You More in the Long Run
11/10/2025

Why the Lowest Premium Might Cost You More in the Long Run

When shopping for insurance, whether it’s health, auto, or homeowners, it’s tempting to zero in on the lowest monthly premium. After all, who doesn’t want to save money? But while a lower premium might feel like a win at first, it can end up costing you far more when it comes time to actually ...

What to Know About Medicare’s New WISeR Model: Aiming for Smarter Spending, Not Less Care
11/03/2025

What to Know About Medicare’s New WISeR Model: Aiming for Smarter Spending, Not Less Care

Earlier this year, the Centers for Medicare & Medicaid Services (CMS) announced the launch of a pilot program designed to reduce wasteful and inappropriate services in Original Medicare. Known as the WISeR Model (Wasteful and Inappropriate Service Reduction), the program seeks to improve efficiency....

How One Life Insurance Feature Saved a Financial Plan
10/27/2025

How One Life Insurance Feature Saved a Financial Plan

When Maria bought a 20-year term life insurance policy at age 35, she didn’t think she’d need coverage beyond that. Her kids would be grown, the mortgage nearly paid off, and retirement on the horizon. But at age 52, Maria was diagnosed with a chronic illness that made her uninsurable for new li...

You’re Retiring at 68—Did You Miss Your Medigap Enrollment Window?
10/20/2025

You’re Retiring at 68—Did You Miss Your Medigap Enrollment Window?

If you’re planning to retire at 68 and just now exploring your Medicare options, you may be asking: Did I miss my Medigap enrollment window?

Your Spouse Isn’t Eligible for Medicare Yet—Now What?
10/13/2025

Your Spouse Isn’t Eligible for Medicare Yet—Now What?

It’s a surprisingly common dilemma: one spouse turns 65 and becomes eligible for Medicare, while the other is still too young to enroll. This age gap can throw a wrench into carefully planned retirement budgets, especially when the younger spouse has been covered by the older spouse’s employer-s...

Which Medicare Option Works Best for Snowbirds?
10/07/2025

Which Medicare Option Works Best for Snowbirds?

For retirees who split their time between states, commonly known as “snowbirds,” having the right Medicare coverage is about more than just benefits. It’s about flexibility, access, and peace of mind while traveling. Choosing the wrong plan could leave you without coverage in your winter (or s...

Health Insurance for Self-Employed Professionals: What Are Your Options?
09/01/2025

Health Insurance for Self-Employed Professionals: What Are Your Options?

If you're self-employed, you already wear a lot of hats: CEO, accountant, marketer, and everything in between. One of the biggest responsibilities that falls squarely on your shoulders is securing health insurance for yourself. Without access to an employer-sponsored plan, understanding your options...

What to Do If You Get a Surprise Medical Bill
08/25/2025

What to Do If You Get a Surprise Medical Bill

Susan scheduled what she thought would be a routine outpatient procedure, an endoscopy recommended by her doctor. She confirmed the hospital was in-network, verified coverage with her health insurer, and even paid the expected copay in advance.

Coverage for College Students: Are They Still Protected Under Your Plan?
08/18/2025

Coverage for College Students: Are They Still Protected Under Your Plan?

As a parent, sending your child off to college means you're already thinking about tuition, dorms, textbooks, and meal plans. But what about their health insurance coverage? Whether they're headed across the state or across the country, one question often goes overlooked: will they still be protecte...

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937 Coffee Road, Suite 700
Modesto, CA
95355

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 10am - 2pm

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+12094424300

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