{"id":14158,"date":"2020-11-22T23:46:03","date_gmt":"2020-11-22T23:46:03","guid":{"rendered":"https:\/\/www.livingbyyourdesigninc.com\/?p=14158"},"modified":"2021-11-04T00:19:14","modified_gmt":"2021-11-04T00:19:14","slug":"medicare-part-b","status":"publish","type":"post","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2020\/11\/22\/medicare-part-b\/","title":{"rendered":"Who is IRMAA and why do I need to know about Her?"},"content":{"rendered":"

Do you pay more than $144.60 per month for Medicare Part B?\u00a0 <\/span>This may be the reason!<\/b>
\nBy Beth Cooper Ingle
\nThe \u201cBig Day\u201d is fast approaching!\u00a0 <\/span>You will be age 65 soon.\u00a0 <\/span>You\u2019ve done everything you need to begin this new life; notified your employer you\u2019re retiring, contacted Social Security<\/a> and filed for Social Security benefits and Medicare, and talked to your Financial Planner.\u00a0 <\/span>You can already imagine you and your spouse on that beach in Florida or in a cabin in Wisconsin.\u00a0 <\/span>Smooth sailing until you receive a letter from Social Security telling you your Medicare Part B Premium will be increased to $289.20 per month.\u00a0 <\/span>You are also notified that an additional $31.50 will be added to your Medicare Part D Premium. \u00a0 <\/span>To add insult to injury your spouse received a similar letter informing him\/her of the same increases.
\nWhat IRMAA why am I being affected by it, you ask yourself?\u00a0 <\/span>IRMAA is the acronym for Income-Related Medicare Adjustment Amount.\u00a0 <\/span>IRMAA was a law enacted to help ensure Medicare will there for you when the time comes.\u00a0 <\/span>If you have higher income, the law requires an adjustment to your monthly Medicare Part B premium and your Medicare prescription drug coverage premium.\u00a0 <\/span>If you are married and filed a joint tax return, your spouse\u2019s premiums would be adjusted also even if they had not worked.
\nSocial Security determines how much you will pay for your Medicare Part B premiums and prescription drug plan based on your modified adjusted gross income (MAGI) from two years prior to the Premium Year (PY).\u00a0 <\/span>Your MAGI is your total adjusted gross income plus tax-exempt interest income.\u00a0 <\/span>If you file taxes \u201cmarried, filing jointly\u201d and your MAGI is greater than $174,000, you will pay higher premiums.\u00a0 <\/span>If you file taxes as \u201cSingle, Head of Household, or Qualifying Widow\u201d you will pay a higher premium if your MAGI is greater than $87,000.\u00a0 <\/span>If your income is not greater than the amounts mentioned, this law does not apply to you.
\nThe IRS provides Social Security information from your most recent tax return.\u00a0 <\/span>For instance, in 2020 IRS provides information from your 2019 tax return for tax year 2018.\u00a0 <\/span>If you amended your tax return for that year and it changes your MAGI, it is up to you to provide Social Security proof of the amended return and acknowledgement receipt from the IRS.
\nIf your income has gone down due a Life Changing Event (LCE) such as married, divorced, widowed or loss of income, and you have documentation of this, you may ask Social Security for a new decision.\u00a0 <\/span>Social Security can provide a more complete list of the LCE\u2019s.<\/p>\n\n\n\n\n\n\n
If you filed your taxes as:<\/b><\/td>\nAnd your MAGI was:<\/b><\/td>\nThen the Part B Premium is:<\/b><\/td>\nThen the Part D Adjustment is:<\/b><\/td>\n<\/tr>\n
Single, Head of Household, Qualifying Widow(er) with Dependent Child<\/td>\nBetween $87,000 and $109,000
\nBetween $109,000 and $136,000
\nBetween $136,000 and $163,000
\nBetween $163,000 and $500,000
\nMore than $500,000<\/td>\n		$202.40\u00a0<\/span>
\n$289.20\u00a0<\/span>
\n$376.00\u00a0<\/span>
\n$462.70\u00a0<\/span>
\n$491.60\u00a0<\/span><\/td>\n		$12.20\u00a0<\/span>
\n$31.50\u00a0<\/span>
\n$50.70\u00a0<\/span>
\n$70.00\u00a0<\/span>
\n$76.40\u00a0<\/span><\/td>\n<\/tr>\n
Married Filing Jointly<\/td>\nBetween $174,000and $218,000
\nBetween $218,000 and $272,000
\nBetween $272,000 and $326,000
\nBetween $326,000 and $750,000
\nMore than $750,000<\/td>\n		$202.40\u00a0<\/span>
\n$289.20\u00a0<\/span>
\n$376.00\u00a0<\/span>
\n$462.70\u00a0<\/span>
\n$491.60\u00a0<\/span><\/td>\n		$12.20\u00a0<\/span>
\n$31.50\u00a0<\/span>
\n$50.70\u00a0<\/span>
\n$70.00\u00a0<\/span>
\n$76.40\u00a0<\/span><\/td>\n<\/tr>\n
Married Filing Separately<\/td>\nBetween $87,000 and $413,000
\nMore than $413,000<\/td>\n		\u00a0 <\/span>$462.70
\n\u00a0 <\/span>$491.60<\/td>\n		\u00a0 <\/span>$70.00
\n\u00a0 <\/span>$76.40<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

If you are unsure if this decision to increase your Medicare Part B or prescription drug premium is correct, contact Social Security by calling 800-772-1213.\u00a0 <\/span>Living By Your Design, Inc. also can give information or provide guidance, with proper documentation, on whether you have experienced a LCE and should pursue an appeal or request a new decision.
\nDuring this unprecedented time of uncertainty and stress due to COVD19, we want you to know that we are here to help answer your questions concerning Social Security, Insurance and other issues of aging you may be facing and give guidance or referrals as needed.\u00a0 <\/span>Our hope is to give you Peace of Mind.\u00a0 <\/span>From our family to yours, Merry Christmas and Happy Holidays!<\/i>
\nFor more information on issues facing older Americans; legal, financial, and free guidance for residential placement and healthcare issues, call 309-285-8088 or visit <\/i>www.LivingByYourDesignInc.com<\/i><\/a>.\u00a0 <\/span>Location: 809 W. Detweiller Dr, Suite 809, Peoria IL\u00a0 <\/span>61615.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

Do you pay more than $144.60 per month for Medicare Part B?\u00a0 This may be the reason! By Beth Cooper Ingle The \u201cBig Day\u201d is fast approaching!\u00a0 You will be age 65 soon.\u00a0 You\u2019ve done everything you need to begin this new life; notified your employer you\u2019re retiring, contacted Social Security and filed for Social […]<\/p>\n","protected":false},"author":7,"featured_media":17614,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[100],"tags":[],"class_list":["post-14158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicare"],"yoast_head":"\nMedicare Part B and IRMAA - Living By Your Design, Inc<\/title>\n<meta name=\"description\" content=\"Do you pay more than $144.60 per month for Medicare Part B?\u00a0 This may be the reason! 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