Marisa Padilla, Medicare Insurance Broker
Marisa Padilla
Medicare Insurance Options LLC
Bilingual English & Español
Medicare Broker Licensed in IL, KY, MO and WA
Contact Details
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Location
Belleville, IL
About Me
Medicare Insurance Options LLC
Medicare Specialist & Community Advocate
Languages: English & Spanish
About:
"I believe that insurance is about more than just policies—it is about dignity, heritage, and peace of mind. Inspired by my grandparents, I have dedicated my career to serving others with a blend of professional grit and genuine compassion."
A Calm Hand in Complex Situations: With a background in Special Education and International Diplomacy, I am uniquely skilled at navigating high-stress environments. I spent years working with students with behavioral disabilities, a role that required me to stay calm and efficient in the face of difficult challenges. I bring that same steady hand to my Medicare clients today.
A Global Perspective with Local Roots: At age 17, I lived in South America working with global non-profits like Rotary International. As a bilingual professional (English/Spanish), I am proud of my Latina heritage. I use these skills to bridge communication gaps and advocate for fair healthcare for everyone.
Licensed & Local: I am fully licensed to serve our neighbors in Illinois, Missouri, and Kentucky. Whether you are in the Metro East or the Bluegrass region, I understand the local healthcare networks that matter to you.
Community Focused: Outside of the office, I am a champion for mental health and holistic wellness. Whether I am practicing regenerative gardening or volunteering, I am committed to healing and growth in all its forms.
Directions to My Office
Q&A with Marisa Padilla
Does Medicare pay for antidepressants or anti-anxiety medications?
Answer: Yes, Medicare Part D prescription drug coverage does normally have many common anti-depressants or anti-anxiety medications on the various MAPD or PDP formularies. However, your copay cost-share may vary depending on which plan you select. When working with a broker, they should always review your medication list before presenting plan options to you.
How does Medicare cover outpatient mental health intensive programs for seniors with severe conditions?
Answer: Original Medicare would cover 80% of costs after your Part B deductible if it is outpatient treatment. If you have a supplement Plan G in addition to Original Medicare, they would cover 100% of costs after your Part B deductible. If you have a Medicare Advantage Plan in addition to Original Medicare, you may or may not have a deductible to pay first depending on the plan, and then you would usually pay a standard set copay anywhere from maybe $30-$60 per session (these are purely examples/estimates). If you receive Medicaid in addition to Original Medicare/and or a Medicare Advantage Plan, you may have no costs at all depending on your state and your income level.
How much will I have to pay out-of-pocket for therapy?
Answer: It depends on what type of Medicare plan you choose.
If you choose to have Original Medicare + Medicare Supplement Plan G for example, AND your therapist accepts and bills Original Medicare, you should not have to pay anything out-of-pocket for your visits if you have already met your Part B Medical Deductible of $283.
If you choose to have a Medicare Advantage Part C Plan, and you either have no deductible (common) or you have already met your plan's deductible, then your per-visit copay for therapy can range from maybe $15-$60 per session (these are just estimates and depend greatly on the actual plans offered in your zip code).
I just moved to a new state. Do I need to do anything with my Medicare coverage?
Answer: Yes, it is important to review whether or not your Prescription Drug plan or Medicare Advantage (Part C) plan needs to be changed due to you potentially having moved out of its service area. The good news is there should be a Special Election Period based on your moving that allows you to choose a new plan. It is helpful to work with a broker in order to make sure you are choosing coverage that still aligns with your interests. If you are in a Medicare Supplement, you do not have to make any changes to it if you moved.
What happens if my specialist leaves the network in the middle of the year?
Answer: Unless there is an SEP (special election period) in force that applies to you and your situation, then you would wait until AEP (annual enrollment period from Oct 15th to Dec 7th) to investigate alongside your broker if there are any other plans that work for you that your doctor accepts in their new network so you can continue seeing them the following year after the newly selected plan goes into effect on January 1st.