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FAQs on IRMAA: Higher Incomes and Costs



Browse the Medicare Part D "IRMAA: Higher Incomes and Costs" FAQs
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Category: IRMAA: Higher Incomes and Costs

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How does the Income-Related Monthly Adjustment Amount (or IRMAA) affect me and my Medicare plan premiums?
If you are paying IRMAA (the Income-Related Monthly Adjustment Amount), this means that, based on your income, you will pay higher premiums for your Medicare Part B and Medicare Part D coverage.As not...

What is the Income-Related Monthly Adjustment Amount (or IRMAA)?
If you are a person who has higher annual earnings, the Income-Related Monthly Adjustment Amount (or IRMAA) is an additional amount that you pay for your monthly Medicare Part D prescription drug plan...

How does the Social Security Administration (SSA) determine whether I pay a higher Medicare Part B and Medicare Part D premium?
Your most recent Federal income tax returns are used to determine whether you pay an income-related monthly adjustment amount or IRMAA - however, this means that your current IRMAA is determined by yo...

How is the income-related monthly adjustment amount or IRMAA affected if my income goes down?
You can ask the Social Security Administration to reconsider your income-related monthly adjustment amount or IRMAA. As noted by the Social Security Administration:  If your income has gone d...

What can I do if I do not agree with the Social Security Administration's income-related monthly adjustment amount or IRMAA assessment?
You have the right to appeal the Social Security Administration's income-related monthly adjustment amount or IRMAA assessment.  As noted by the Social Security Administration:If you disagree wit...

Which Federal income tax return is used by the Social Security Administration to determine whether I have an income-related monthly adjustment amount for my Medicare Part B and Medicare Part D?
Your most recent Federal income tax return will be used to determine whether you are subject to an income-related monthly adjustment amount or IRMAA. The Social Security Administration adds more de...

Can I be assessed an Income Related Monthly Adjustment Amount (IRMAA) for Medicare Part D if I am enrolled in a Medicare Advantage (MAPD) plan?
Yes.   If your annual income exceeds certain limits - and you are enrolled in a Medicare Advantage plan (HMO, PPO, or PFFS) that includes prescription drug coverage  (MAPD), then your M...

I have VA benefits and do not need Medicare Part D, so am I being charged $48.70 for IRMAA when I am not even enrolled in a Part D plan?
No.  You are not being charged for Medicare Part D IRMAA, but rather only Medicare Part B IRMAA.Income-Related Monthly Adjustments Amounts (IRMAA) are charged to Medicare beneficiaries who have...

Can I be disenrolled from my Medicare prescription drug plan if I refuse to pay my Medicare Part D IRMAA?
Yes.  If you are a Medicare beneficiary who earns a higher income, you can be assessed an Income-Related Monthly Adjustment Amount (IRMAA) that must be paid in addition to your Medicare Part D...

Can you provide an example of how the income-related monthly adjustment amounts or IRMAA apply to my 2012 Medicare Part B and Medicare Part D prescription drug plan premiums?
The standard Medicare Part B premium for 2012 is $99.90.  If you are single and filed an individual tax return, or married and filed a joint tax return, the following chart applies to you: ...

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Can I be assessed an Income Related Monthly Adjustment Amount (IRMAA) if I am enrolled in my employer's Medicare Part D plan?
Yes.  If your annual income (MAGI) exceeds certain limits - and you are enrolled in an employer-sponsored Medicare Part D prescription drug plan (PDP) or Medicare Advantage plan with prescriptio...

Can I be assessed an Income Related Monthly Adjustment Amount (IRMAA) for Medicare Part D if I am enrolled in a Medicare Advantage (MAPD) plan?
Yes.   If your annual income exceeds certain limits - and you are enrolled in a Medicare Advantage plan (HMO, PPO, or PFFS) that includes prescription drug coverage  (MAPD), then your M...

Can I be disenrolled from my Medicare prescription drug plan if I refuse to pay my Medicare Part D IRMAA?
Yes.  If you are a Medicare beneficiary who earns a higher income, you can be assessed an Income-Related Monthly Adjustment Amount (IRMAA) that must be paid in addition to your Medicare Part D...

How will pay my Medicare Part D IRMAA or Income-Related Monthly Adjustment Amount?
Your monthly Medicare Part D IRMAA (Income-Related Monthly Adjustment Amount) charges will be deducted automatically from your Social Security check.  If the amount of your Social Security check ...

I have VA benefits and do not need Medicare Part D, so am I being charged $48.70 for IRMAA when I am not even enrolled in a Part D plan?
No.  You are not being charged for Medicare Part D IRMAA, but rather only Medicare Part B IRMAA.Income-Related Monthly Adjustments Amounts (IRMAA) are charged to Medicare beneficiaries who have...

Can I be assessed Medicare Part D IRMAA if I am no longer enrolled in a Medicare prescription drug plan.
No.  However, 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 charg...

How does the Income-Related Monthly Adjustment Amount (or IRMAA) affect me and my Medicare plan premiums?
If you are paying IRMAA (the Income-Related Monthly Adjustment Amount), this means that, based on your income, you will pay higher premiums for your Medicare Part B and Medicare Part D coverage.As not...

How does the Social Security Administration (SSA) determine whether I pay a higher Medicare Part B and Medicare Part D premium?
Your most recent Federal income tax returns are used to determine whether you pay an income-related monthly adjustment amount or IRMAA - however, this means that your current IRMAA is determined by yo...

Which Federal income tax return is used by the Social Security Administration to determine whether I have an income-related monthly adjustment amount for my Medicare Part B and Medicare Part D?
Your most recent Federal income tax return will be used to determine whether you are subject to an income-related monthly adjustment amount or IRMAA. The Social Security Administration adds more de...

How is the income-related monthly adjustment amount or IRMAA affected if my income goes down?
You can ask the Social Security Administration to reconsider your income-related monthly adjustment amount or IRMAA. As noted by the Social Security Administration:  If your income has gone d...


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