Learn about

How to Appeal Your IRMAA

For individuals with higher incomes.

Who is Affected by IRMAA?

If you have a high income it’s likely that you’ve also been identified as having to pay a higher premium for Medicare Part B and Part D.

Some folks who have enjoyed a lavish income while they are employed will not have the same income during retirement. If that’s you, then you’ve come to the right place. We’ll show you how to appeal those Part B & Part D Income-Related Monthly Adjustment Amounts (IRMAA).

Before you begin the reconsideration process it is important to identify which tier level you’re currently in as well as which level you ought to be in.

Below is a chart of the most up-to-date premiums being assessed.

Part B Income-Related Monthly Adjust. Chart
Individual Tax Return Joint Tax Return 2019 Premium Amount
$85,000 or less $170,000 or less $135.50
$85,000 up to $107,000 $170,001 up to $214,000 $189.60
$107,000 up to $133,500 $214,001 up to $267,000 $270.90
$133,500 up to $160,000 $267,000 up to $320,000 $352.20
$160,000 up to $500,000 $320,000 up to $750,000 $433.40
$500,000 and above $750,000 and above $460.50
Part D Income-Related Monthly Adjust. Chart
Individual Tax Return Joint Tax Return 2019 Premium Amount
$85,000 or less $170,000 or less Plan Premium
$85,000 up to $107,000 $170,001 up to $214,000 $12.40 + Plan Premium
$107,000 up to $133,500 $214,001 up to $267,000 $31.90 + Plan Premium
$133,500 up to $160,000 $267,000 up to $320,000 $51.40 + Plan Premium
$160,000 up to $500,000 $320,000 up to $750,000 $70.90 + Plan Premium
$500,000 and above $750,000 and above $77.40 + Plan Premium
MAGI Income

The Social Security Administration (SSA) determines your IRMAA based on your income as of two years ago. The income that they’re using to calculated your IRMAA is your Modified Adjusted Gross Income (MAGI). Your MAGI amount is made up of your total adjusted gross income plus any tax-exempt interest income. Your MAGI can be found on your individual 1040 form filed with the IRS. They are line items 37 and 8b.

Qualifying Reasons for Appeal

The SSA requires that you have a Qualifying Reason for submitting an appeal. This appeal is most often that a person retired or maybe that they were working full-time and now are part-time.

A few other reasons that would allow an appeal to begin:

  • marriage, divorce or being widowed
  • the loss of income-producing property
  • changes or termination of a pension
Request for Reconsideration

Begin your appeal by downloading the form titled ‘Request for Reconsideration‘. The important information that will determine whether or not your appeal is successful is the supporting documentation that you provide in addition to this form.

You will want to provide a cover letter that explains your circumstances.

“This is how my income is changing…”

Be sure to attach as much documentation that spells out how your income is changing. Examples of these documents could be: the sale documents from an income producing property, a death certificate, or a marriage certificate, etc.

You will need to continue to pay your IRMAA while your appeal is in process.

Other Ways to Save

Submitting your appeal for the higher Part B & D premiums is one way to save, you can also look at finding an economical medicare supplement plan such as Plan G or a Medicare Advantage plan which offers little or no premiums.

Schedule a Free Consultation

By submitting this form you are requesting a solicitation for insurance.

More questions?

Speak with a Licensed Insurance Agent.

(214)238-4414, Monday – Friday 8am – 5pm CST

Customer Approved

Trusted By Our Clients

"From our first meeting to the last, our representative was professional, knowledgeable, patient, and quick to respond to our texts, emails, and phone calls!! Nothing but glowing things to say about him and Buffer Benefits!"

Paula Hodges

“My husband and I came to see Buffer Benefits regarding our future plans, specifically Medicare. Our representative took time with us to fully explain everything to our satisfaction and offered very knowledgeable suggestions. We loved his pleasant demeanor and candor, especially his sense of humor. The offices were beautifully decorated so warm and homey and we had a great experience there all around. Thanks so much for your help Buffer! “

Robyn Johnson

“I received excellent and very personal help in making all my insurance decisions. I highly recommend Sean Turner and this group, They are there to serve and help any way they can.“

Joy De Luis

Share This