Maria Pantall, Medicare Insurance Broker
Maria Pantall
Bilingual English & Español
Medicare Broker Licensed in IN and MI
Contact Details
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Location
Bloomington, IN
About Me
**Biography:**
I possess a Bachelor's degree in Accounting, complemented by experience in social work, allowing me to merge analytical skills with a deep understanding of client needs in the insurance sector. Fluent in both English and Spanish, I am committed to serving a diverse clientele with professionalism and cultural sensitivity. My background in social work enhances my ability to listen actively and empathize, ensuring that clients receive tailored advice and comprehensive support. I strive to empower individuals and families by guiding them through the complexities of insurance, helping to secure the best coverage solutions for their unique circumstances.
Q&A with Maria Pantall
How can I get dental and vision coverage with Medicare?
Answer: Traditional Medicare doesn’t cover routine dental or vision, so you’ll need either a standalone plan or a Medicare Advantage plan that includes those benefits. Compare both options to see which gives better coverage and lower costs.
Should I worry about my income effecting my Medicare eligibility?
Answer: You can get Medicare regardless of how much you make. Higher income only impacts your monthly premium for Part B or Part D.
Why are people leaving Medicare Advantage plans?
Answer: Because of network limits, prior authorizations, and unexpected costs. Others leave due to denied services, trouble seeing doctors, or plans reducing or changing benefits each year.
Am I eligible for a Special Enrollment Period if I lose employer coverage?
Answer: Yes, you qualify for a Special Enrollment Period. This gives you 8 months to enroll in Medicare Part A and B without a late penalty.
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: Medicare Parts A and B don't cover everything, they have some gaps like deductibles, copays and coinsurances (20%) majority medical services. They also don't include routine dental, vision and hearing.
I am on ssi Disability. I turn 65 in June. I also just got Humana health. So does it be change to SSI?? Or does my SSI -Disabiliy just go on til death.
Answer: Your SSI disability won’t stop. When you turn 65, you’ll get Medicare based on age, and your SSI continues unless your income or resources change.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: Most Medicare plans price coverage based on age, area, medications and plan benefits, NOT how often you use care. Reason keeps the cost predictable and ensures everyone has access to need a coverage, even if their health changes.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agent helps you compare plans, check your doctors and medications and find the best coverage for your budget. NO EXTRA COST to you.
What are the signs that it's time for me to switch my Medicare plan, and how often should I review my options?
Answer: 1) You may need to switch if: premiums, copays or drugs cost increased, doctor/specialist no accept your plan, moved to a new ZIP CODE or State and health needs changed.
2) How often should I review my Medicare options?
Review your plan every year during Annual Enrollment (Oct 15–Dec 7) and anytime your health, medications, or location changes.