You should not pay an Income-Related Monthly Adjustment Amount (IRMAA
) for Medicare Part D if you are
not enrolled in a Medicare Part D drug plan.
As noted by the Centers for Medicare and Medicaid Services (CMS):
"If an individual does not have or no longer has Medicare prescription drug coverage, they shouldn’t be charged the Part D-IRMAA."
However, we often find that people are assessed Part D IRMAA because they are actually enrolled in some form of “supplemental” prescription drug policy that is equivalent to a Medicare Part D plan.
For example, if you are enrolled in a prescription drug plan through a Medicare Advantage plan (MAPD)
- or an employer health or drug plan - or union health plan - or retiree healthcare coverage - you will need to pay Part D IRMAA.Part B IRMAA - and - Part D IRMAA
If you are a higher-earning Medicare beneficiary enrolled in Medicare Part B, you will also be charged IRMAA for your Medicare Part B coverage - and sometimes people without drug coverage mistake their Part B IRMAA payment for Part D IRMAA.Paying your past-due Part D IRMAA
The same CMS memo noted above continues on to note that "if someone didn’t pay the Part D-IRMAA that was owed before disenrolling from their prescription drug coverage, they are responsible for the past due amount."
(Source: Part D-Income Related Monthly Adjustment Amount—Frequently
Asked Questions & Answers, from Anthony Culotta, Director Medicare
Enrollment & Appeals Group, December 10, 2010)
So if you did not pay your past IRMAA for your Medicare Part D plan coverage, you can still be assessed Part D IRMAA for the unpaid portion or past-due IRMAA - even though you are no longer enrolled in a Medicare Part D plan.
See also: Can I be disenrolled from my Medicare prescription drug plan if I refuse to pay my Medicare Part D IRMAA?
(Spoiler Alert: . . Yes.
But, when Part D IRMAA is wrongly assessed . . .
If the Social Security Administration has made
an error when assessing you Part D IRMAA - or if you have had a change in
financial status (and no longer fall into the IRMAA categories), you
might consider appealing your IRMAA or asking for a reconsideration of your IRMAA.
We have information online about appealing IRMAA here:
you still need more information about the income-related monthly
adjustment amounts (IRMAA), you can visit a local
Social Security office or visit www.socialsecurity.gov/mediinfo.htm, or
call Social Security at 1-800-772-1213 (TTY 1-800-325-0778).