Adam Richter, Medicare Insurance Agent
Adam Richter
Main Line Benefits
Medicare Agent Licensed in MD, AK, AL, AZ, CA, DC, DE, FL, GA, IL, NC, NJ, OH, PA, SC, TN, TX, VA and WV
16+ Years of Experience
Contact Details
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Location
Baltimore, MD
Adam Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I'm Adam, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Adam Richter
Answer: Your Medicare provider is required to send your Annual Notice of Change (ANOC) by September 30th each year. This document arrives via mail or email in early fall, detailing updates to your coverage, costs, and network for the upcoming calendar year.
Answer: Yes, Medicare Part A covers hospice care for terminally ill patients with a life expectancy of 6 months or less, focusing on comfort rather than a cure. It covers care in your home, nursing home, or hospice facility, including drugs, nursing, and counseling. It is 100% covered, with minimal costs for medications or respite care
Answer: The 2026 prescrition drug plan maximum out of pocket is set at $2100 for the calendar year. So the out of pocket is now lower than is was in the past with the elimination of the "donut hole". A person can also request to go on a payment plan to balance buget the cost of prescription throughout the year.
Answer: Plan selection is a very personalized decision. What is right for one person might not be suitable for another. Always consult a licensed insurance professional for assistance.
Answer: The biggest mistake seniors make is missing their initial enrollment window, which leads to lifelong late penalties and coverage gaps. The seven-month window spans three months before, the month of, and three months after turning 65. Failing to sign up on time can result in a 10% premium penalty for each year of delay.
Answer: To appeal a denied Medicare claim, first review your Medicare Summary Notice (MSN) or plan denial letter to understand the reason, then submit a written request for "redetermination" to the Medicare contractor within 120 days (or 60-65 days for Advantage/Part D plans). Include a doctor’s letter, medical records, and your Medicare
Answer: If you applied for Medicare Parts A and B, you will generally receive your Medicare card in the mail about two to four weeks after your application is approved. For those automatically enrolled, the card arrives roughly three months before your 65th birthday.
Answer: A person can self enroll through medicare.gov by entering their prescription info and get their planor call directly to the carrier. It can also be done through agent assistacnce by doing a similar process.
Answer: Medicare supplement plans vary in cost based on the individuals age, plan and where they live with the cost anywhere from under $100 to a few hundered dollars a month based on the afore mentioned criteria. The value is: nationwide coverage that is accepted by any doctor who accepts original Medicare and generally enables a person to pay less for plan usage.
Answer: The reason you should work with a medicare agent is to get advice from a licnesed insurance professional who knowledgable on various plan selections, and experiencee in the enrollment process, at no cost to the individual.
Answer: A zero premium plan is one that does not chage you monthly for the cost of the plan but is made up of copays that the plan has set for various services such as doctor visits, surgery, hospitalization, er and prescription, etc.