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

Rito Capetillo

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United States
Modesto, CA
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.

01/26/2026

Two Mistakes People Make When Choosing a Medicare Supplement—and How to Avoid Them

Choosing a Medicare Supplement (Medigap) plan is one of the most important decisions you’ll make as you enter retirement. These plans help cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and deductibles. They offer peace of mind when it comes to managing healthcare e...

01/19/2026

Leave a Lasting Legacy: How Life Insurance Can Be a Powerful Charitable Gift

For many people, giving back is part of who they are. Whether it's your local church, a nonprofit you love, or a cause close to your heart, the desire to leave a legacy of generosity is strong. But how do you give in a way that makes a meaningful impact, without compromising your family’s financia...

01/12/2026

Private Health Insurance vs. Marketplace Plans: How to Know Which One Is Right for You

When shopping for health insurance, many people automatically turn to the ACA Marketplace (also called the exchange) without realizing that private, off-exchange health insurance plans may be a better fit, depending on their income, health needs, and future plans.

11/24/2025

Life Insurance for a Non-Working Spouse or Partner: Protecting the Priceless

When we fall in love and build a life with someone, we don’t think in terms of balance sheets. We think in terms of late-night talks, family traditions, and shared dreams. But when it comes to financial planning, we sometimes overlook one of the most economically important people in the household:...

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 ...

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....

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...

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?

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...

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...

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...

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.

Address

937 Coffee Road, Suite 700
Modesto, CA
95355

Opening Hours

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

Telephone

+12094424300

Website

http://capetillois.com/

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