MediNav
Appeal IRMAA · First draft free

Appeal your IRMAA surcharge

If you have a higher income, Medicare adds a surcharge called IRMAA to your Part B and Part D premiums, based on your tax return from two years ago. If your income has since dropped after retiring, losing a spouse, or another life change, you can ask Social Security to use your newer income instead. We'll draft the request that goes with form SSA-44.

We use your details to write the statement, then forget them, nothing is stored. This pairs with Social Security form SSA-44. It's help drafting a request, not legal or tax advice.

Why this catches so many new retirees

IRMAA looks back two years, so the year you retire is often the year you get hit with a surcharge based on your old, higher salary, even though your income just fell. That's exactly what the SSA-44 life-changing-event process is for. MediNav writes a clear statement explaining the event and your new expected income, lists the proof to attach, and walks you through filing.

A note on privacy: your details are used to write the statement and then forgotten. We don't store them.

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