Medicare Concierge / Mary Pruitt Insurance

05/29/2026

05/07/2026

The Medicare Mary World Tour is representing today at the ladies BizLife Convention in Denver!

03/13/2026

When Does It Make Sense to Switch Medicare Plans? Open Enrollment is through March!

Each year, Medicare beneficiaries have opportunities to review and change their coverage. In addition to the Annual Election Period in the fall, there are other enrollment periods available throughout the year. While this flexibility can be helpful, making a change without careful review can create unintended consequences.
There are situations where switching plans makes good sense. If your current plan dropped your doctor from its network, increased copayments, or changed prescription drug coverage in a way that significantly raises your costs, exploring other options may be wise. Similarly, if you have developed new health conditions and anticipate more frequent specialist visits or procedures, a plan with broader provider access or lower out-of-pocket costs could better fit your needs.
Another reason to consider switching is relocation. If you moved to a new county or state, your existing plan’s network and plans may no longer align with your situation. Reviewing plans available in your new area ensures you maintain access to care.
However, switching is not always risk-free. One of the biggest concerns arises when moving from a Medicare Advantage plan back to Original Medicare and applying for a Medicare Supplement plan. In many states, outside of your initial enrollment window, you may be subject to medical underwriting. This means you could be denied coverage or charged higher out of pocket costs based on health conditions.
Prescription drug coverage also requires close review. Formularies differ between plans, and a medication covered under your current plan may not be covered the same way under a new one. Even small changes in drug tiers can significantly affect your annual costs.
It is also important to look beyond the monthly costs. A lower monthly cost may come with higher deductibles, copayments, or narrower provider networks. Evaluating total potential out-of-pocket exposure gives a clearer picture than focusing on one number.
Before making a switch during an eligible enrollment period, review your doctors, medications, travel needs, and long-term health outlook. Then, give us a call to discuss your options with a licensed insurance agent. Careful review can help you avoid surprises and ensure your coverage continues to support both your budget and your healthcare needs.

Mary Pruitt
LEGACY MEDICARE PARTNERS // [email protected]

I am a local, licensed and trained independent insurance agent. I am certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. I represent most major companies with a Medicare contract and am qualified to answer any questions you may have.

02/11/2026

Living a heart healthy lifestyle can help keep your blood pressure, cholesterol, and blood sugar levels normal — and lower your risk for heart disease and heart attack. If you're not sure you're at risk, now's a good time to talk with your doctor.

Tips to show your heart some love:

Stay active. If possible, aim for 150 minutes of movement each week. Walking is a great start! Check with your doctor about which activities are right for you.

Get enough sleep. Aim for 7–9 hoursa night. A good night's rest can help reduce the risk of heart disease.

Eat a heart-healthy diet. Choose lots of vegetables, fruits, lean proteins, and whole grains — and try to limit salt.

Don't smoke. If you smoke, it's never too late to quit.

02/05/2026

I'm excited to share new updates to the Dietary Guidelines for Americans that can help you feel your best! These new recommendations focus on getting back to basics with nutrient rich, whole foods that fuel your body naturally.

Here's what the USDA recommends:

Boost Your Protein and Healthy Fats. Think eggs, seafood, red meat, dairy, beans, nuts, and seeds. Aim for 6-7 servings per day (based on a 2,000-2,200 daily calorie level). And remember to keep saturated fats under 10% of your daily calories.

Load Up on Veggies and Fruits. Fresh is fantastic, but frozen, canned, or dried work, too (just check for minimal added sugars). Shoot for 3 servings of colorful vegetables and 2 servings of fruit each day.

Choose Whole Grains. Fiber-rich options like whole wheat, oats, and brown rice are your friends. Aim for 2-4 servings daily and cut back on refined carbs like white bread.

Whether you're managing a chronic condition or want to stay healthy as you age, these updated guidelines can help you feel strong and energized for years to come.

Stay well!

02/03/2026

Winter in many of our popular, warm-weather retirement locations may not bring snowstorms or icy sidewalks, but it still presents unique health challenges for older adults. Cooler temperatures, shorter days, and peak cold and flu season can all affect how you feel and function. Taking a proactive approach now can help you stay healthy, energized, and independent throughout the winter months.

Protect Yourself During Cold and Flu Season

Even in milder climates, viruses spread more easily in winter when people spend more time indoors. Seniors are more vulnerable to complications from colds, flu, and respiratory infections, so prevention is key. Washing your hands regularly and avoiding close contact with sick individuals, can make a meaningful difference. If you notice symptoms like fever, persistent cough, or unusual fatigue, don’t hesitate to contact your healthcare provider.

Support Your Immune System With Nutrition

Eating well is one of the simplest ways to support your immune health. Focus on balanced meals that include lean protein, fruits, vegetables, and whole grains. Vitamin rich foods such as citrus fruits, leafy greens, and berries can help strengthen your body’s defenses. Staying hydrated is just as important, even when you do not feel as thirsty in cooler weather.

Mind Your Vitamin D Levels

Shorter days and less time outdoors can lead to low vitamin D levels, even in sunny California. Vitamin D plays a role in bone health, immune function, and mood. Getting some sunlight during the day, when possible, can help. Your doctor may also recommend a supplement if your levels are low. It’s worth asking about during your next appointment.

Keep Moving Safely

Cooler weather can make it tempting to stay indoors, but regular movement is essential for circulation, joint health, balance, and mental well-being. Simple activities like walking, gentle stretching, or light strength exercises can be done safely at home or outside during warmer parts of the day. Staying active also helps support your immune system and reduces the risk of falls.

Check In on Mental and Emotional Health

Shorter days can affect mood and energy levels. Staying socially connected, maintaining routines, and finding enjoyable activities indoors can help prevent feelings of isolation or seasonal sadness. Reach out to family, friends, or healthcare professionals if you notice changes in your mood.
By focusing on prevention, nutrition, movement, and mental well-being, you can navigate the winter season feeling stronger and more confident. Small daily habits can go a long way toward protecting your health all season long.

01/30/2026

https://youtu.be/XBeROFrweXU?si=9pLvmvuh6FkqFb4B

If you’re close to 65 but not yet getting retirement benefits because you’re still working, you’ll need to sign up for Medicare during the 7-month Initial En...

11/28/2025

The Annual Medicare Mary Sale is going into its final week! Take advantage of this incredible deal while it lasts.
Sign up for your free consultation today!

11/04/2025

Medicare season can be challenging for us as brokers but also for new seniors who feel lost in the ABC&D messy Medicare maze.
Don’t be frustrated! I can make it easy as pumpkin pie (Yum)
Medicare is good, even with this year’s changes. You’re not getting Medicare, you’ve earned really good healthcare!🧡