• What to do if you think your #income is incorrect Publication 10125
  • • Official form to ask for waiver and use lower income to avoid penalty
    • Forbes – How to avoid high income penalties
  • Medicare Annual Verification Notices: 
    • Frequently Asked Questions # 10507  Medicare Annual Verification Notice
    • What year’s income is used?
  • Our Video Explanation of High Income Surcharge
• Here’s or webpages on the penalty’s if
  • you don’t sign up for Part A when you don’t get it “free” or
  • for enrolling in Part B later than you’re supposed to, regardless of income
  • Part D late enrollment penalty
• FAQ’s 
  • • How some people escape the steep Medicare surcharge on premiums known as IRMAA

Try turning your phone sideways to see the graphs & pdf's?

Get the fillable High Income Surcharge – #Waiver Form  SSA 44 

#cms500 

Understanding your Medicare Premium Bill
 

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• Medicare has more detail on your billing statement at these links on the Internet:
  • medicare.gov/11659-understanding-cms-500-trifold
    • hhs.gov/11659-understanding-cms-500
    • Medicare Premium Bill  CMS 500 
    • cms.gov/cms 500
• Steve's YouTube VIDEO to explain late payments...  

• What are the payment options to pay the Part B Premium?
  • medicare.gov/How to pay Part B premiums  and when
  • What if you pay Medicare late?
    • For Original Medicare (parts A and B), Medicare sends a person an initial bill. If you pay it late, you will get a second bill, which includes the past-due premium amount and the premium that is due the following month.
    • If a person does not pay the second bill by the 25th day of the month, they will receive a Delinquent Bill. People who do not pay the Delinquent Bill by the 25th day of the next month will lose their Medicare coverage.
    • Basically, you may get your first bill for 4 or 5 months.  After that it's monthly if taken from your Social Security Check and quarterly if you get a bill via USPS mail.
      • See notice on your bill - Sample
    • Coverage Termination Date: You’ll only see this notification if your payment is 90 days past due. If you don’t pay the full balance of the “Total Amount Due” by the “Due In Full By” date, your Medicare coverage will be terminated.
  • Easy Pay Premium Statement   CMS 20143
  • Medicare Premium Bill  CMS 500 
• Why is my first bill higher than I expected?
  • After you sign up for Medicare, your first bill might include premiums owed for previous months not already billed. That means the bill might be higher than you expected.For example:
    • If you sign up for Medicare in February and your coverage begins February 1st, your premium will be billed quarterly, and your first bill will be dated March 28. It will arrive around April 10 and be due April 25. This bill will be for the upcoming 3 months and include any premiums you weren't previously billed for.
    • That means your first bill would include the previous amount owed (for February, March, and April) and what you owe for the upcoming 3 months (May, June, and July). Moving forward, your future bills will only be for 3 months at a time. Learn More>>>   Medicare.gov 
• Why did the Part B premium go up to $170?  in 2022  Los Angeles Times
• Live Chat with Medicare - Call 1 800 Medicare

Introduction to #MediGap

Publication 02110

• 2025 Official Medicare Guide to choosing a Medi Gap Policy # 02110
  • Spanish
  • Get Quotes for Medi Gap   Quotit
• MORE Information and Links
• Matrix  - Spreadsheet of what Medicare Pays, Medi Gap pays and what little you pay