Tony Capraro III, Medicare Insurance Agent
Tony Capraro III
State Farm
Medicare Agent Licensed in NH
Contact Details
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Location
Manchester, NH
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Phone
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Website
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LinkedIn
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About Me
Hello, I'm Tony Capraro III-State Farm Agent, your neighborhood Medicare Insurance Advisor. My expertise lies in the areas of Medicare Planning and Retirement Planning and my mission is to assist you in identifying the perfect plan tailored to YOUR Goals and Objectives. We pride ourselves in the Simple Conversation with potential clients which helps me develop a truly unique plan for you! My services are always complementary and I've been in the Financial Services Industry for 36+ years! Contact me to discover your Medicare insurance Options and don't forget to mention that you discovered me on Medicare Agents Hub!
Directions to My Office
My Google Reviews
117 Total Reviews (4.9)
March 24, 2025
EXCELLENT SERVICE
February 27, 2025
I have a number of policies with the Capraro agency and couldn’t ask for better service. Forman always takes care of us! Give them a call you won’t be sorry!!!
February 5, 2025
Tony Capraro State Farm in Manchester New Hampshire is the best insurance agency I’ve ever worked with. As far as price, Customer Service, and responsive time, with his whole crew, they are the best! I highly recommend this agency!
January 29, 2025
Great place of business and Great people working there !!!!
January 16, 2025
Always a pleasure to work with Tony's office. They are super helpful and friendly. Eric handled my last transaction after I purchased a new vehicle and had me laughing out loud at his friendly and thoughtful banter. Wonderful people. We've been with State Farm for DECADES now.
January 2, 2025
Tony and his crew are always so kind and helpful, they go above and beyond to make you feel like you’re family. We use Tony for all of our insurance needs and have been with him for 17 years. Thank you Tony!!!
December 26, 2024
I’ve been with State Farm since my husband and I got married in 2010 and decided to merge all of our insurance stuff together, over the last 15 years Tony Capraro’s office in Manchester, NH has helped us with everything and anything!…..When we had our 2nd daughter in 2021 and were re-doing our life insurance policies, Tony himself came to the house multiple times to make the process more convenient for us & went above and beyond, The past 2 months I’ve been working with Jason through his office with getting all my self-employment insurance and everything covered & squared away and again, more then helpful and going above and beyond. Would 100% recommend this office to anyone looking for someone to insure them and help with all their insurance needs. Will be going back again next month to finish all my husband & I’s long term life insurance plans. State Farm Insurance @ Tony Capraro’s office is amazing
December 17, 2024
Erik recently helped my fiancé and I with auto insurance for our new vehicles. Shopping for and buying a car is always stressful! He made the insurance quote process and providing the binder as easy as possible. We were new to State Farm, and he made it abundantly clear why his company outranks the competition. Erik went above and beyond with every part of the process, even speaking directly with the dealership at times to make my life easier!! What a guy! He was very kind and super funny, it was like dealing with an old buddy. We will be in the market for a new home owner's insurance policy on our new home, and we will definitely be giving Erik a call when we are ready. Top notch customer service with this office for sure!
December 6, 2024
Have had State Farm for my car insurance for many years and been very satisfied. Lately Tony has been helping me with my retirement and Medicare and managing my investments. I am very happy.
December 4, 2024
Wonderful insurance agents- these guys were great. I was able to get an auto policy that was significantly cheaper than other insurance agencies. I was also able to get a good life insurance policy and peace of mind for my children. I was unable to get a life insurance policy anywhere else. Jason really bent over backwards for me and went above and beyond. Easy to talk to, professional, relatable and he really did everything he could to get me a good policy
Q&A with Tony Capraro III
What’s one Medicare decision that too many people regret later?
Answer: Waiting too long to get the information they need to make the Best Decisions for their particular situation and not getting enough information to make those decisions!
I'm turning 65 soon, when can I enroll in Medicare?
Answer: If you are currently receiving benefits from the Social Security Administration or the Railroad Retirement Board, you will be automatically enrolled in Part A and Part B. You will receive your red, white, and blue Medicare card in the mail 3 months before your sixty-fifth birthday. Your coverage will begin on the first day of the month you turn 65. If your sixty-fifth birthday falls on the first day of the month, your coverage will begin the first day of the month before your birthday. There are so many important decisions to be made-that's why I help folks everyday with their Medicare planning! :)
I’ve been on a Part D plan for a while, and I’m wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: There were many changes in 2025 to the Part D prescription drug plans. They change annually so you want to make sure you're checking to see that your Prescriptions are covered. PS Lots of my clients use Good RX and have been pleasantly surprised with the low cost for generics using it!
Why would you not choose a medicare Advantage plan?
Answer: There are both Pros and Cons with Medicare Advantage! There are usually OOP (out of pocket maximums from $4500-$10,000 per year) and with Med Advantage the Insurance company makes the decisions on what surgeries are "necessary". We give client options between both Medicare Advantage and Medicare Supplement! We provide the Pros and Cons of both and let the client make the decision that's best for them!
I’m still working at 67, and I don’t know if I need Part B. Why is something so basic so hard to figure out?
Answer: It seems hard but when you know the specifics you can make the right decision for you!
If you work for a company with 19 or more employees you can stay on that work plan until you retire and then get Part B!
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes you can-however once enrolled in a Supplemental/Medigap plan and you want to change -most companies will require you to be "medically qualified" by answering the medical questions on the new application! PS Always look for companies that are Financially Stable!
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: What a great question. WE do a "family" meeting where we bring in the kids with the Parents! Medicare decisions are so important and can truly have a huge impact on Seniors AND their families! WE help folks everyday with these huge decisions! So glad you're in their corner!
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Get all the facts- not the hype! Get a Seasoned Professional to go over ALL the options--not just Medicare Advantage but also Medicare Supplement and Part D prescription plans! Once you know the Pros and Cons of each plan -YOU make the decision that's best for you!
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: IF you like the "face to face" meetings and contact-great! In 2025 we do "virtual meetings" with many folks who live 2 or 3 hours away and it works very well for all! All depends on YOUR preferences!
I have multiple medications; how can I ensure my Medicare Part D plan covers them all without breaking the bank?
Answer: Medicare.gov you can log on and literally put in all your meds and then you can choose different plans and see what is/isn't covered!
What’s the best way for seniors to protect themselves from Medicare-related scams?
Answer: Work with an Agent who works for a Reputable Company like State Farm! :) We help our clients every day-make the right decisions for them!
What do seniors often misunderstand about Medicare’s coverage for long-term care?
Answer: They believe that Medicare covers LONG term Care and it does not ! That is why it's so imprtant to work with someone who knows ALL the specifics about Medicare and all the other options!
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: In my experience working with Seniors and helping them with the Medicare "alphabet soup" what I often see is that they have not looked into either a Medicare Advantage or Medicare Supplement/Medigap Plan to offset the OUT OF POCKET expenses they WILL have with just enrolling in Medicare Part A and B ! There are Deductibles for Both Part A and B and Part B will ONLY cover 80% of the costs and YOU will be responsible for the other 20% with NO Maximum out of pocket! WOW! Work with someone who can show you both Medicare Advantage and Medicare Supplement/Medigap options then make the best decision for YOU!
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: Yes-you are offered a Non-Medical Supplement/Medigap when you turn 65! Once enrolled in the plan and you want to switch--Most companies will require Health Questions to be answered!
How does life insurance contribute to financial planning?
Answer: Life insurance plays a crucial role in financial planning for several reasons:
Income Replacement: In the event of the policyholder's death, life insurance provides a death benefit to beneficiaries, which can replace lost income and help maintain their standard of living.
Debt Coverage: Life insurance can cover outstanding debts, such as mortgages, car loans, or personal loans, ensuring that the burden doesn't fall on family members.
Education Funding: Parents can use life insurance proceeds to fund their children's education, ensuring that their educational aspirations are not jeopardized by the loss of a parent.
Estate Planning: Life insurance can be an effective tool in estate planning. It can provide liquidity to pay estate taxes or cover other expenses, preventing the forced sale of assets.
Business Continuity: For business owners, life insurance can fund buy-sell agreements, ensuring that the business can continue operating smoothly after the death of a key stakeholder.
Cash Value Accumulation: Certain types of life insurance, like whole life or universal life, accumulate cash value over time, which can be borrowed against or withdrawn for various financial needs.
Peace of Mind: Knowing that loved ones will be financially protected in the event of an unexpected death provides peace of mind, allowing individuals to focus on their current financial goals.
Tax Benefits: In many jurisdictions, life insurance death benefits are paid out tax-free to beneficiaries, making it an efficient way to transfer wealth.
Supplementing Retirement Income: Some life insurance policies allow for withdrawals or loans against the cash value, which can be used to supplement retirement income.
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: Both Plan G and Plan N offer great coverage for OUT of pocket Expenses and deductibles and depending on the company are generally reasonably priced! Before making any decisions get all the FACTS of coverage and costs!
What role do annuities play in retirement planning?
Answer: Annuities can play a significant role in retirement planning by providing a reliable income stream and offering various benefits that help retirees manage their finances. Here are several key roles that annuities serve in retirement planning:
Guaranteed Income: Annuities can provide a steady, guaranteed income for a specified period or for the lifetime of the annuitant, helping retirees cover essential living expenses and maintain their standard of living.
Longevity Risk Mitigation: Annuities help protect against the risk of outliving one’s savings. By offering lifetime income options, they ensure that retirees receive payments for as long as they live, regardless of how long that may be.
Tax-Deferred Growth: The funds in an annuity grow tax-deferred until they are withdrawn. This can be beneficial for retirement planning, as it allows the investment to compound without the immediate impact of taxes.
Investment Options: Many annuities offer various investment options, including fixed, variable, and indexed accounts. This allows individuals to tailor their investment strategy based on their risk tolerance and retirement goals.
Inflation Protection: Some annuities offer options for inflation protection, such as increasing payment amounts over time. This can help maintain purchasing power in retirement as the cost of living rises.
Estate Planning Benefits: Annuities can have death benefit provisions that allow the remaining balance to be passed on to beneficiaries, providing a financial legacy.
Flexibility in Withdrawals: Many annuities offer flexible withdrawal options, allowing retirees to access funds as needed. Some may also allow penalty-free withdrawals under certain conditions.
Diversification: Including annuities in a retirement portfolio can enhance diversification, as they can behave differently than other investment vehicles like stocks or bonds.
Peace of Mind: The predictability of income from annuities can provide retirees with peace of mind.
What do you enjoy most about working with Medicare clients?
Answer: In my 37 years of working with Seniors the thing I truly like the most is the Expression of Relief and appreciation they show-when you've helped them by giving them all their Options and being able to OFFER both Medicare Advantage and Medicare Supplement/Medigap as well as Retirement Planning and the heartfelt Thank you they extend! Helping Seniors is what we do!
What are the most overhyped benefits of Medicare Advantage plans that seniors should be wary of?
Answer: The ZERO premium monthly hype! Why do you think those commercials are shown 24/7? The insurance companies are making huge $$$ with them. There are always an OUT OF POCKET maximum the client is responsible for! Most Plans are Max Out of Pocket from $4500-$10,000 and that's ANNUALLY! Disclosure-I offer Medicare Advantage Plans through Humana -and they are great plans for folks who know both the Pros and Cons of these plans! Work with someone who offers BOTH Medicare Advantage and Medicare Supplement/Medigap like I do!
Who can help me figure out this Medicare "maze and alphabet soup" it's so confusing.
Answer: Work with someone who can OFFER both Medicare Advantage and Medicare Supplement/Medigap options! Start the process well in advance of your 65 Birthday.
Work with a Professional with a Financially Strong/Reputable company. Look up that Professional's Google Reviews that gives you a "spotlight" into how their clients truly feel about them and the Services they provide(d). Take a deep breath-YOU got this!
Why is regular Medicare better than an advantage plan?
Answer: There's a lot of confusion with Medicare-Medicare Supplement/Medigap/-Medicare Advantage "alphabet soup"! Do your homework and learn the Pros and Cons of each Option! Work with someone who can offer both: Medicare Supplement/Medigap and Medicare Advantage plans! This was you get the FACTS not the HYPE and then make the best decision for YOU! :)