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Insurance Healthcare

Insurance and Healthcare Guidance

As a fee-only, fiduciary firm, we help you navigate important insurance and healthcare decisions, coordinating with outside professionals to help you understand your options and determine what may be appropriate for your needs.

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Why Insurance Guidance Matters

Insurance is an important part of a complete financial plan. Because we don’t sell insurance or accept commissions, our role is to help you consider your coverage needs within the context of your broader financial picture.

When specialized insurance expertise is needed, we work with independent outside professionals who can help evaluate your options and recommend appropriate coverage. Your CIA advisor stays involved to help ensure those decisions align with the rest of your financial plan.

$9B+AUM
6,100+Families
30Years
Fee-OnlyFiduciary

As of June 4, 2026

Areas We Help Families Navigate

Healthcare and Medicare

Medicare is one of the most consequential, and can be one of the most confusing decisions in retirement. We can help families work through:

  • Initial Medicare enrollment and the timing of Parts A, B, and D
  • Comparing Medicare Supplement (Medigap) plans with Medicare Advantage
  • Late-enrollment penalties and how to avoid them
  • COBRA and ACA marketplace options for clients retiring before 65
  • How Roth conversions and other income decisions may affect your Medicare premiums (IRMAA)

Questions We Help Families Consider

  • Do I have the right Medicare plan for my situation?
  • How do I bridge healthcare coverage if I retire before 65?
  • Should I keep, replace, or let go of my existing life insurance?
  • Can I self-insure long-term care, or do I need a policy?
  • Is my umbrella liability coverage high enough for my net worth?
  • How does the cost of healthcare in retirement actually fit into my plan?

Insurance & Healthcare FAQs

Does CIA sell insurance?
No. CIA is a fee-only, fiduciary firm. We do not sell insurance or earn commissions on insurance products. Our role is to provide independent guidance and to coordinate with outside specialists when implementation requires a licensed insurance professional.
When should I sign up for Medicare?
Most people first become eligible for Medicare at age 65. Initial enrollment runs for a seven-month window starting three months before your 65th birthday. There are penalties for late enrollment in Parts B and D unless you have qualifying coverage through an employer. The right Medicare path also depends on whether you’re still working, your other coverage, and your prescription needs.
What’s the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) plans work alongside original Medicare and generally offer broader provider access and predictable out-of-pocket costs, with higher monthly premiums. Medicare Advantage plans are private alternatives that often have lower premiums but use restricted networks and more variable out-of-pocket exposure. Which is better depends on your providers, prescriptions, travel patterns, and budget.
Do I need long-term care insurance?
It depends on your assets, your family history, your spouse’s needs, and your tolerance for risk. Some families have enough wealth to comfortably self-insure; others may be well-served by traditional or hybrid long-term care policies. We help you evaluate the trade-offs in the context of your full retirement plan.
Should I keep my old life insurance policy?
Maybe. Old policies vary widely in cost, performance, and structure. We help families evaluate existing policies, including whole life, universal life, and annuities, to help you determine whether they still fit, whether to keep them, or whether to consider alternatives like a 1035 exchange. Because we don’t earn commissions, our recommendations are not influenced by compensation from insurance product sales.

Coordinated With the Rest of Your Plan

Retirement Planning

Medicare timing and healthcare cost modeling.

Financial Planning

Coverage levels appropriate to your wealth and stage of life.

Tax Planning

IRMAA planning and the tax impact of insurance decisions.

Estate Planning

Life insurance ownership and beneficiary structuring.
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Get a Second Opinion You Can Trust

If you’re not sure whether you have the right coverage, or are paying for coverage you don’t actually need, we’d welcome the conversation.

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Capital Investment Advisors, LLC (“CIA”) is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CIA does not sell insurance products or receive commissions from insurance sales. Insurance guidance is provided for informational and planning purposes only and is not a recommendation to purchase, replace, or surrender any insurance policy. Insurance products, including life insurance, annuities, Medicare plans, and long-term care insurance, are offered through licensed insurance professionals unaffiliated with CIA. Decisions regarding insurance coverage should be made based on your individual circumstances and in consultation with the appropriate licensed insurance professional.