Shannan Pruitt, Medicare Insurance Broker
About Me
Health & Life Insurance Agent | Registered Social Security Analyst®
Medicare Insurance Resources
With a strong commitment to education and client advocacy, I’m here to help you navigate the often-confusing world of Medicare and Social Security. As a licensed Health and Life Insurance Agent and a Registered Social Security Analyst®, I bring a unique and comprehensive approach to retirement planning.
At Medicare Insurance Resources, I work for you, not the insurance carriers. My focus is on providing clear, unbiased information so you can make confident, informed decisions about your healthcare and retirement benefits. Whether you’re new to Medicare, evaluating your current coverage, or looking for guidance on Social Security timing and benefits, I’m here to simplify the process and support your goals.
Professional, compassionate, and client-centered—that’s the foundation of my approach. Let’s work together to ensure you feel empowered and supported every step of the way.
Q&A with Shannan Pruitt
Should I keep original Medicare or go with an Part C, Medicare Advantage plan? What is better?
Answer: I would definitely with out reservation enroll in a Medicare Advantage plan before ever staying with original Medicare A and B. I can explain with one benefit and that the max out of pocket Advantage plans have to offer by federal law.
This max out of pocket will protect you if you have a bad health year so you’re limited, protected on what you would spend on Medicare approved health care. Keep in mind if you’re trying to keep your out of pocket cost at a minimum you may want to to consider adding a hospital indemnity to your Medicare advantage plan. Even adding this you’re still saving more money going this route than with a supplement. Just keep in mind Medicare advantage plans are not Medicare supplements and you will have to get prior authorization and need to stay in network for the most cost savings with advantage plans. But they do offer additional benefits supplements or original Medicare don’t offer. I hope that helps you make your decision.