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Medicare IRMAA Help in Palm Beach County
If your Medicare Part B premium jumped and nobody told you why, or you just retired and Social Security is still charging you on your old salary, you may be able to get the surcharge reduced. We provide the information necessary to see if you qualify for a Medicare Part B premium reduction.
No fee. No obligation. Independent Medicare broker with an office in North Palm Beach.
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Why Your Medicare Premium Went Up
IRMAA stands for Income-Related Monthly Adjustment Amount. It is a surcharge Social Security adds to your Part B and Part D premiums when your adjusted gross income is above a set threshold. Depending on your bracket, it can add from about $80 to nearly $500 a month to Part B alone. We can help you determine your exact amount.
Life Changes That Can Get Your IRMAA Reduced
Social Security lets you request a new determination when a qualifying life event lowers your income. This is a one-time lifetime exception.
The most common one is retirement
Social Security accepts these events:
You or your spouse stopped working
You or your spouse reduced work hours or income
Marriage, divorce, or annulment
Death of a spouse
Loss of pension income
Loss of income-producing property from a storm, fire, fraud, or other disaster
A settlement payment from a former employer due to closure, bankruptcy, or reorganization
If one of these happened to you after the tax year Social Security is using, call us. We will tell you in one conversation whether an appeal is worth filing.
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The Severance Package That Almost Cost One Client $9,240 annually
A client's employer was acquired, and the severance package that came with it landed on a single year's tax return. Two years later, Social Security used that return to set his Medicare premium. On paper he was a high earner. In reality he was retired and living on a fraction of that income.
He had never heard of IRMAA and had no idea the surcharge could be appealed. We identified the qualifying event, prepared the SSA-44 with him, and submitted the documentation. Social Security granted the exemption. He saved $9,240.
This is the part most people miss. The appeal only happens if someone tells you it exists.
How We Help With Your IRMAA Appeal
We review your notice
and help you see if you have a qualifying event & guide you in the preparation of the fo
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Our IRMAA Help Costs You Nothing
We are paid by insurance carriers when you enroll in a plan, not by you. IRMAA help is part of how we take care of clients, not a separate service with a fee.
If we review your situation and an appeal will not work, we tell you that, and you owe nothing.
Meet Kevin Gallagher
Licensed since 2000, focused on Medicare and health insurance since 2014. Independent, which means we compare across the major carriers instead of selling one company's products.
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26 years in insurance
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Office at 840 US Highway 1, North Palm Beach
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We serve all of Palm Beach County, from Jupiter down to Boca Raton, and most of the work happens by phone, email, or text
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IRMAA comes up in almost every conversation we have with someone leaving a full-time job. We make it part of the process, not an afterthought.
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IRMAA Questions We Hear Most
Talk With a Medicare Broker Who Handles IRMAA Appeals
Have three things ready: the notice from Social Security, roughly what you earned in the tax year they used, and the date your income changed. That is all we need for the first call.
Heskev Insurance Brokerage LLC is not affiliated with or endorsed by the Social Security Administration, Medicare, or any government agency. We do not provide tax or legal advice.