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What is Part D IRMAA?

What-is-part-d-IRMAA
05/20/2021
  • Medicare with Melissa

Income-Related Monthly Adjustment Amount or IRMAA is a surcharge that high-income people will pay in addition to their monthly premium.  Social Security sets income brackets that determine your (or you and your spouse) IRMAA.  Determination is based on the income you reported on your IRS tax returns two years prior.  This is based on your modified adjusted gross income, meaning your adjusted gross income and other forms of tax-exempt income.  You will get a notice from Social Security if you have Medicare Part B or Medicare Part D.  IRMAA payments go directly to Medicare even if you pay monthly premiums to an insurance company. 

Part D: 2021 IRMAA is based on your filing status and income in 2019
File Individual Tax ReturnFile Joint Tax ReturnFile Married and Separate Tax ReturnWhat you will pay each month
$88,000 or less$176,000 or less$88,000 or lessYour plan premium
$88,000 up to $111,000$176,000 up to $222,000not applicable$12.30 + your plan premium
$111,000 up to $138,000$222,000 up to $276,000not applicable$31.80 + your plan premium
$138,000 up to $165,000$276,000 up to $330,000not applicable$51.20 + your plan premium
$165,000 up to $500,000$330,000 up to $750,000above $88,000 and less than $412,000$70.70 + your plan premium
$500,000 and above$750,000 and above$412,000 and above$77.10 + your plan premium

How can I appeal IRMAA?

You have a right to appeal Income-Related Monthly Adjustment Amount – IRMAA if you believe it is incorrect or if you have had a life changing event:

  • Death of spouse
  • Marriage
  • Divorce or annulment
  • Work reduction
  • Work stoppage
  • Loss of income from income producing property
  • Loss or reduction of certain kinds of pension income

Appeals Process:  You must request a reconsideration of the initial determination from Social Security.  This can be done by calling Social Security at 800-772-1213 or by writing Social Security.  There is an appeal form SSA-44 titled Medicare Income-Related Monthly Adjustment Amount – Life Changing Event.  This form can be found on the Social Security web site.  

SSA-44 Form

Learn More: What is Part B or Part D IRMAA charges?

People Also Read: What are Part D Stages?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.

-Melissa

Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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