What is the Medicare Part D IRMAA?

If your income is greater than approximately $85,000 for an individual (or married individuals filing separately) or greater than approximately $170,000 for married couples, you must pay an extra amount directly to the government (not the Medicare plan) for your Medicare Part D coverage. In addition to the normal Part D premium paid to a plan, such beneficiaries must pay an Income-Related Monthly Adjustment Amount (IRMAA). Unlike the normal Part D premium, beneficiaries will not pay the Part D income-related monthly adjustment amounts to Part D plans. Instead, the Part D income-related monthly adjustment amounts will be collected by the federal government. Important points about the Part D IRMAA to keep in mind:

  • If you owe an IRMAA, Social Security will send you a letter notifying you that the extra amount you owe will be added to your Medicare Part D premium.
  • The Part D IRMAA is billed directly by the Centers for Medicare and Medicaid Services, which means any IRMAA payment should not be sent to your prescription drug plan.
  • If you do not pay your IRMAA, you risk disenrollment from your Medicare Part D plan.
  • More information about the Part D IRMAA can be found on Medicare’s website.

Return to the Medicare FAQs section to view more answers to other commonly asked questions about Medicare prescription drug coverage.

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