What is IRMAA?

IRMAA stands for Income-Related Monthly Adjustment Amount. It is an additional charge added to Medicare Part B and Part D costs for people with higher incomes. For 2026, Medicare generally uses tax information from 2024 to determine whether you owe IRMAA. If your income has dropped because of a qualifying life-changing event, you may be able to ask Social Security to reconsider the surcharge.

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From the Blog:

Does your dental plan barely cover a root canal and definitely does not cover implants? If so, you are in the wrong dental plan! 

Most retired older adults of all income levels face a lack of comprehensive dental coverage.
An elderly man with white hair and beard sitting in a dental chair, talking and smiling with a male dentist in a white coat who is holding a tablet, with a dental X-ray visible on a monitor in the background.