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I have VA benefits and do not have Medicare drug coverage, so why am I being charged IRMAA when I am not even enrolled in a Part D plan?


You are probably not being charged for Medicare Part D IRMAA, but rather only Medicare Part B IRMAA.

Income-Related Monthly Adjustments Amounts (IRMAA) are additional amounts of money charged to Medicare beneficiaries who have annual income (modified adjusted gross income (MAGI)) over certain limits.

The IRMAA charges are then paid in addition to both Medicare Part B and Medicare Part D premiums.

(You can see the annual changes in IRMAA limits in our Q1Medicare News section: https://q1medicare.com/q1group/MedicareAdvantagePartD/Blog.php?category_id=16)

However, Part D IRMAA will not be charged if you are not enrolled in a Medicare Part D plan - but, you will still need to pay your Medicare Part B IRMAA. 

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, the CMS memo does continue 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)

You can read more about Medicare Part B and Medicare Part D IRMAA here: https://Q1FAQ.com/539.html

See IRMAA rates and articles for the current plan year: https://Q1News.com/C/16.html


2017 Example of IRMAA without drug coverage:  "I have VA drug benefits and no Part D plan, so why am I being charged $53.50 for IRMAA?"

You are paying only Part B IRMAA.  Using this 2017 example, the 2017 Medicare Part B IRMAA was $53.50 for couples who earn between $170,000 and $214,000 annually or individuals who earn $85,000 to $107,000.

During the same year, the 2017 Medicare Part D IRMAA was $13.30 for the same income brackets (couples who earn between $170,000 and $214,000 annually or individuals who earn $85,000 to $107,000).

Since this person was only assessed $53.50, and do not have a Medicare Part D prescription drug plan, they are only being charged for their Part B IRMAA.

You can click here to read more about 2017 IRMAA payments ("Roughly a 4.5% increase in the 2017 Income Related Monthly Adjustment Amounts (IRMAA) for Medicare beneficiaries with higher annual incomes.") or click here to read more about 2018 IRMAA payments ("2018 IRMAA: 35% to 58% Medicare Part D IRMAA payment increases for individual earning incomes between $133,500 - $214,000 and couples earning $267,000 - $428,000.").





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  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
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  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
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  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
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