IRMAA Help and Appeals: Lower Your Medicare Premiums
IRMAA Help and Appeals: Lower Your Medicare Premiums
Paying more for Medicare Part B or Part D? Let’s fix that.
If your Medicare premiums are higher than expected, you might be dealing with IRMAA—the Income-Related Monthly Adjustment Amount. It’s an extra charge added to your Part B and Part D premiums if your income from two years ago is over a certain limit.
But here’s the good news:
If your income has recently gone down—especially if you’ve just retired—you may be eligible to appeal and lower your premiums.
What Is IRMAA?
IRMAA is a monthly surcharge applied to your Medicare Part B and Part D premiums based on your modified adjusted gross income (MAGI). The catch? It’s based on your tax return from two years ago—not your current income.
That means a life change like retirement, reduced work, or the loss of a spouse could leave you paying too much for Medicare today.
Common Reasons People Appeal IRMAA
You may qualify for an appeal if your income has recently dropped due to:
- Retiring from a full-time job
- Cutting back work hours or going part-time
- Divorce or marriage
- Death of a spouse
- Loss of income-producing property or business
- Reduction or loss of pension income
- A one-time income event like a Roth conversion, severance, or stock sale
If any of this sounds like your situation, we can help.
Why Use Our IRMAA Appeal Partner?
We work with a trusted, established IRMAA consulting firm that has helped thousands of Medicare beneficiaries appeal their IRMAA charges. They’ve been doing this for over 15 years, and they know the system inside and out.
What you’ll get:
- A free review of your current IRMAA situation
- Step-by-step help with SSA-44 or SSA-795 forms
- Hands-on guidance through the appeal process
- A money-back guarantee if your appeal isn’t successful
And best of all, you only pay if they help lower your premiums. If you qualify for an appeal and choose to move forward, you’ll work directly with their expert team—no stress, no confusion.
Click here to schedule your free IRMAA consultation and see if you qualify to reduce your Medicare costs.
IRMAA: What You Need to Know
- IRMAA doesn’t go away on its own. You must take action to appeal it.
- Social Security won’t notify you when you become eligible for a lower premium.
- Appealing isn’t easy—but the right help can make it fast and effective.
- Appeals are time-sensitive. The sooner you act, the sooner you may save.
Learn More about IRMAA from Matt’s Blog
If you’d like to learn more before scheduling, here are a few popular articles from Matt’s blog:
- IRMAA Rules for Medicare: What You Need to Know
- What Counts Toward IRMAA (and What Doesn’t)
- Does IRMAA Apply to Medicare Advantage Plans?
- How to Calculate Your Income for Medicare IRMAA
These walk you through what IRMAA is, how to handle it, and what strategies can help reduce or avoid it in the future.
Frequently Asked Questions
Can I avoid IRMAA altogether?
Not always—but with smart income planning and the right timing, you may be able to reduce or appeal it.
Does IRMAA go away when I retire?
Not automatically. Even if your income drops, you need to file an appeal to have your premiums adjusted.
Is this a government service?
No. This is a private service, not affiliated with the Social Security Administration or Medicare—but it’s designed to help you navigate the SSA appeal process successfully.
How much does it cost?
Your initial consultation is free. If you choose to proceed, fees are only paid if your appeal is successful. There’s also a money-back guarantee.
Ready to See If You Can Lower Your Medicare Costs?
No pressure. Just a helpful, expert conversation to see if you qualify.
Disclaimer
This IRMAA appeal service is offered through a third-party consulting firm not affiliated with Medicare, the Social Security Administration, or any government agency. Prepare for Medicare may receive a referral fee if you use their services. This page is for informational purposes only and does not constitute legal, tax, or financial advice. Please refer to our Privacy Policy and Terms of Use.