Edward Smith Insurance

Did Social Security just tell you your Medicare premiums are going UP?

You may have been hit with an IRMAA surcharge – an extra charge on your Part B and Part D because your income was “too high” two years ago. One tax return, one big sale, or one IRA withdrawal can trigger it.

The letter is confusing. The bill is real. And most people have no idea what to do next.

You may have options. In some cases, you can:

Appeal if your income has dropped (retirement, loss of income, etc.)

Plan your withdrawals and Roth conversions more carefully going forward

Restructure income so you’re not pushed into higher IRMAA tiers year after year

I help retirees understand why they were hit with IRMAA and what steps they can take to try to reduce it now or in the future — in plain English, not jargon.

If you just got an IRMAA letter and your premiums jumped, let’s review it together.

📞 Call Edward Smith Insurance at 513‑774‑9125
🌐 Schedule a no‑cost review: www.ask.medicare247.org

Not connected with or endorsed by the U.S. government or the federal Medicare program. For educational purposes only. Please consult your tax professional for personalized tax advice.

Edward Smith | Licensed Insurance Agent Licensed Insurance Agent & Investment Adviser

Turning 65, retiring or simply have Medicare questions?

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