How to Appeal Your Medicare Part B Premium (IRMAA)
If you’ve received a Medicare IRMAA determination letter and believe the Income-Related Monthly Adjustment Amount (IRMAA) surcharge is incorrect, you have the right to file an IRMAA appeal. The Social Security Administration (SSA) calculates your Medicare Part B premium and Part D premiums based on your modified adjusted gross income (MAGI) from your IRS tax return. High-income brackets can trigger a higher premium and IRMAA surcharge, but certain life-changing events may qualify you for a lower premium amount.
Step 1: Request a Reconsideration
Start the appeals process by requesting a reconsideration of the initial determination.
- Call the SSA at 1-800-772-1213 or visit your local Social Security office.
- Complete Form SSA-44 (Life-Changing Event Form) or submit a completed form SSA-44 online: Download here.
This form helps document your life-changing event and updated tax information.
Step 2: Qualifying Reasons for a New Determination
You may qualify for a new IRMAA decision if:
- Your income tax return was inaccurate or outdated (and you filed an amended tax return).
- There was an error in IRS data or SSA used older tax information.
- You had a drop in income due to a life-changing event affecting your MAGI.
Seven qualifying life-changing events include:
- Death of a spouse
- Marriage or annulment
- Divorce
- Work reduction or work stoppage
- Loss of income-producing property
- Loss or reduction of certain pension income
- Settlement payment or other significant income changes
Step 3: Be Patient and Persistent
The Part B premium appeals process can take several months. SSA may request supporting documents such as W-2s, tax returns, or proof of income. Providing accurate documentation promptly is key.
Important Notes
- Medicare beneficiaries with higher-income brackets often face IRMAA surcharges for both Medicare Part B and Part D plans.
- Your premium amount is based on MAGI, which includes tax-exempt interest.
- If your income changed due to COVID-19 or another life-changing event, you may qualify for a new determination.
- IRMAA applies to Original Medicare, Medicare Advantage plans, and prescription drug coverage under Part D.
Contact us today for help.
