Medicare Supplements (Medigap)
Medicare Supplement plans help pay for the out-of-pocket costs not covered by Original Medicare. At Capstone Insurance and Financial Group, we help you compare your options and choose the plan that fits your health needs and budget.
Medigap plans help fill the gaps Original Medicare leaves behind.
Original Medicare covers a lot, but not everything. You’re still responsible for deductibles, copayments, and coinsurance. Medicare Supplement plans—also known as Medigap—are designed to help cover those extra costs and give you more predictable healthcare expenses.
We help you understand how each Medigap plan works and what’s available in Mississippi. Whether you're looking for the most coverage or the most affordability, we’ll walk you through the options and help you make an informed decision.
Predictable Costs, Better Peace of Mind
Medigap plans help reduce the risk of unexpected medical bills by covering what Medicare doesn’t. That means fewer surprises and more control over your budget.
Freedom to See Any Medicare Doctor
With a Medigap plan, you can visit any doctor nationwide that accepts Medicare—no need to stay in a network or worry about referrals.

Local Help Choosing the Right Plan
Medicare isn’t one-and-done. Your needs and options change. We stay by your side with ongoing support and plan reviews to keep your coverage working for you.
Frequently Asked Questions
What does a Medicare Supplement plan cover?
These plans help cover deductibles, coinsurance, and copayments that Original Medicare doesn’t pay for.
Is Medigap the same as Medicare Advantage?
No. Medigap works with Original Medicare, while Medicare Advantage is an alternative way to receive your Medicare benefits.
Can I use Medigap with a Part D prescription drug plan?
Yes. You can pair a Medigap plan with a standalone Part D plan for prescription coverage.
When is the best time to enroll in a Medigap plan?
The best time is during your six-month Medigap Open Enrollment Period, which starts the month you turn 65 and enroll in Part B.
Will my Medigap policy ever change or expire?
As long as you pay your premiums, your plan is guaranteed renewable—even if your health changes.
More freedom and fewer surprises.
Let us help you find the Medicare Supplement plan that’s right for you.
We’ll explain the differences, answer your questions, and guide you toward a plan that keeps your care affordable and flexible.