Capstone Insurance & Financial Group, LLC.

Turning 65 is a big milestone, but Medicare enrollment can feel anything but simple. Your next steps depend on factors like your current coverage, employment status, and when you qualify to enroll. Missing key deadlines or misunderstanding how your existing insurance works with Medicare can lead to penalties or gaps in coverage.

We put together a quick look at what to keep in mind if you're getting close to 65. Swipe through for the essentials.

If you want help understanding when to enroll in Medicare or how to compare Medicare plans in Mississippi, our team is here to guide you every step of the way. Reach out anytime to get clear, personalized support from your local Medicare agents in Flowood.

Flag Day is a great reminder of the history behind the Stars and Stripes, and our team is proud to celebrate a symbol that represents resilience, progress, and unity.

Here are a few fun facts we’re sharing in honor of June 14:

• The current 50‑star flag was designed by a 17‑year‑old student, Robert G. Heft, whose high school project was later selected by President Eisenhower.

• The U.S. has had 27 official flag versions, with most changes reflecting the growth of our nation as new states joined the Union.

• The colors carry meaning: red for valor, white for purity, and blue for vigilance and justice.

• Six American flags have been placed on the moon across multiple Apollo missions.

• Today’s design is the longest‑running version in history, unchanged since Hawaii became a state in 1959.

As a Mississippi‑based independent insurance and financial services team, we value the history that connects us and the communities we serve. Wishing everyone a meaningful and proud Flag Day.

Understanding when you can make Medicare plan changes is essential, because not all adjustments are allowed year‑round. Knowing your enrollment windows helps you avoid missed Medicare enrollment opportunities and ensures your coverage fits your needs here in Mississippi.

If you're unsure about when to enroll in Medicare or how different Medicare Advantage plans Mississippi or Medicare supplement plans Mississippi work, our team is here to help you compare Medicare plans Mississippi and feel confident in your next step.

For more details, you can also visit Medicare's official website: https://www.medicare.gov/.

Have questions about your coverage or enrollment timelines? Our team at Capstone Insurance & Financial Group is always here to help.

Have you heard about income-related monthly adjustment amount (IRMAA) exemptions?

These exemptions can make a big difference in your Medicare costs, especially if you’ve experienced a major life change in the past year. As an independent Medicare agent in Flowood, our team at Capstone Insurance & Financial Group wants to help you understand what IRMAA exemptions are, how they work, and when you might want to file for one.

Swipe for a quick overview of the most common qualifying life events.

Medicare expenses can feel overwhelming, and paying more than you need to only adds to the stress. If any of these situations apply to you, it may be worth exploring whether an exemption could lower your monthly premiums.

If you’re unsure where to start, our team is here to walk you through the process and help you determine if you may qualify. Feel free to reach out anytime.

Today brings an important reminder as we recognize Visually Impaired People Day on June 6th. It’s a great time for our team to share how Medicare handles vision care and what that means for your eye health.

Original Medicare focuses on medical needs, so coverage generally applies only when there’s a medical condition affecting your eyes. Routine vision exams and eyewear typically aren’t included. Medicare Advantage plans, however, often provide coverage for annual eye exams and other routine vision services, which can make a big difference for day-to-day eye care.

Want a quick comparison of what each option covers? Swipe through for a simple breakdown that can help you better understand your benefits.

If you ever want to review how your current coverage handles vision care—or explore Medicare plans in Mississippi—our team at Capstone Insurance & Financial Group is here to help. Reach out anytime with questions.

June is Men’s Health Month, and our team wants to remind the men in our Mississippi community how important preventive screenings are for long-term wellness. Early detection can make a real difference, and many of these screenings are already included in your health coverage.

Here are a few key screenings to keep in mind:
• Cholesterol checks starting at age 17, repeated every 4–6 years
• Diabetes screening beginning at age 35, or earlier if risk factors are present
• Prostate cancer screening around age 50, sooner for higher-risk individuals
• Colorectal cancer screening starting at age 45 and every 10 years after
• General mental health screenings during annual checkups at any age

Every health journey is unique, so it’s important to talk with your doctor about how these recommendations apply to your age, lifestyle, and family history.

If you’re unsure what your Medicare coverage includes or need help understanding your benefits, our team at Capstone Insurance & Financial Group is here to help. Give us a call at (601) 273-3690.

Summer schedules fill up fast, and that often means routine health care gets pushed aside. But getting preventive services taken care of early can make a big difference in staying healthy through the season.

Many plans cover these services at no cost, and they’re designed to catch potential issues before they become bigger concerns. Common preventive care may include:

• Annual wellness visits and routine physical exams
• Blood pressure, cholesterol, and diabetes screenings
• Cancer screenings
• Well‑child visits and developmental checkups
• Recommended vaccinations
• Preventive counseling for nutrition, to***co use, or mental health

Our team at Capstone Insurance & Financial Group is always here to help Mississippi residents understand what their Medicare or personal insurance plan covers. If you’re unsure which preventive services are included in your benefits, reach out anytime.

Staying ahead of your health is one of the best ways to enjoy summer with confidence.

As we observe Memorial Day, our team at Capstone Insurance & Financial Group pauses to honor the brave service members who gave their lives protecting our country and the freedoms we cherish.

Our office will be closed on Monday, May 25th, so our team can take part in this day of remembrance. We will resume normal business hours on Tuesday, May 26th and will return any messages as soon as we’re back.

We hope you have a meaningful Memorial Day as we remember those who sacrificed so much.

Summer tends to get busy fast, and now is a great time to make sure all your favorite summer "toys" are properly insured before the season ramps up.

From boats and jet skis to ATVs and travel trailers, the right coverage can make all the difference when it comes to protecting your adventures. Our team can help you review your policies and compare options so you can head into summer with confidence.

If you're unsure whether your current coverage is enough, give us a call. We're here to help you enjoy a safe, stress-free summer across Mississippi.