Leonel Quintana, Medicare Insurance Broker
Leonel Quintana
Healthmarkets
Hablo Español
Medicare Broker Licensed in AL, AZ, FL, IA, IL, KS, LA and TX
Contact Details
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Location
West Chicago, I
About Me
As your local, licensed Medicare agent, I’m here to make the process of choosing a plan simple and stress-free. I work with top carriers to help you compare options and find the right coverage for your needs and budget. Whether you’re just turning 65, retiring soon, or reviewing your current plan, I’ll walk you through everything step by step and answer any questions along the way. My services are always free, and I’m committed to making sure you feel confident and taken care of, not just during enrollment, but all year long.
Q&A with Leonel Quintana
What is the biggest disadvantage of Medicare Advantage?
Answer: The biggest disadvantage of an advantage plan is that you are usually restricted within the provider network when compared to original Medicare. Many of the advantage plans require you stay within a network of doctors and hospitals or to get a referral to see a specialist.
Can I use a health savings account (HSA) to pay Medicare premiums after I retire?
Answer: HSA funds can be used to pay Medicare part B, part d, and part c premiums. You can also use an HSA funds to pay out of pocket medical expenses such as copays and deductibles. HSA CANNOT pay for a medical supplement premium. Also keep in mind once you enroll in Medicare, you can't contribute to your HSA anymore.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: The $2000 max out of pocket for drug plans is huge for 2025 because it caps your annual drug spending at $2000! So if you are taking expensive drugs the most you will be charged in a given year will be $2000! This way, you know exactly how much you will be spending on drugs per year so it makes it easier to budget your expenses!
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Well that really depends on what you consider "free". There are a lot of $0 per month premium plans available, but there are still a lot of additional costs associated with that $0 premium. You have, copays, deductibles, and not to mention that you still have to pay for your Part B. So while there is no monthly premium for some advantage plans, there is still some additional costs that you will have to pay whether its a Medicare Advantage plan or original Medicare!
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: One of the first questions people aging into Medicare, or those who already have it, should ask themselves is: What are the differences between Medicare Supplement (Medigap) and Medicare Advantage, and which option is best for my situation? Understanding how both options work can make a huge difference in choosing the right plan for your needs