Did your Medicare premium suddenly increase?

You may be affected by IRMAA (Income-Related Monthly Adjustment Amount)—a Medicare surcharge based on your income from two years ago.

In this episode, local Medicare expert Amanda from I'm With Amanda breaks down:

What IRMAA is and why it impacts your Medicare costs
2026 income thresholds and premium increases
How IRMAA is calculated using your tax return
How to file an appeal using the SSA-44 form
Common mistakes (like Roth conversions) that can trigger higher premiums
Strategies to reduce or avoid IRMAA

If you live in Central New York and have questions about Medicare costs, premiums, or IRMAA, this video will help you understand your options and avoid overpaying.

🌐 Learn more: https://imwithamanda.com/

https://imwithamanda.com/

00:00 – Intro: What Is IRMAA & Why You Got That Letter
00:26 – Why Medicare Premiums Can Increase
00:55 – What IRMAA Actually Means (Simple Explanation)
01:25 – How IRMAA Is Calculated Each Year
01:53 – When You’ll Get an IRMAA Letter
02:04 – Why IRMAA Is Based on Income From 2 Years Ago
02:30 – 2026 IRMAA Income Brackets Explained
03:05 – Married vs Single Income Thresholds
03:29 – How Much IRMAA Can Increase Your Premium
03:50 – Real Example: $450K Income Breakdown
04:13 – Single Filers: Key IRMAA Thresholds
04:45 – Life Changes That Can Reduce IRMAA
05:26 – What Is the SSA-44 Form (How to Appeal IRMAA)
05:49 – Qualifying Life Events That Lower IRMAA
06:33 – Documents You Need for an IRMAA Appeal
07:24 – Important Warning: Be Accurate With Income
08:01 – What Does NOT Qualify for IRMAA Reduction
08:27 – Roth Conversions & IRMAA (Big Mistake to Avoid)
09:06 – How to Plan Ahead to Avoid IRMAA
09:35 – Final Takeaways: Lowering Your Medicare Costs
10:11 – How to Get Help With IRMAA Questions


#Medicare #IRMAA #MedicareCosts #MedicareTips #RetirementPlanning #MedicarePremiums #SocialSecurity #FinancialPlanning #MedicareEducation #AEP2026 #InsuranceTips

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Medicare is reissuing about 1.3 million ID numbers, which means some beneficiaries will receive a new Medicare card in the mail.
In this episode, Amanda explains why this is happening, what it means (and what it doesn’t), and how to protect yourself from scammers trying to take advantage of the situation.
If you receive a call asking for your new Medicare number—hang up and contact Medicare directly to verify.

https://imwithamanda.com/

#Medicare #MedicareScams #MedicareCard #SeniorHealth #MedicareUpdate #MedicareTips #AEP2026 #InsuranceTips #MedicareAdvantage #MedicareSupplement #ProtectYourInfo #scamalert

Watch the video version here: https://youtu.be/6DjpSN1GAQ0

00:09 Intro – Amanda Medicare update
00:17 Medicare reissuing 1.3 million new numbers
00:26 What your new Medicare card will look like
00:33 Important things to know about the change
00:40 This does NOT mean your account was compromised
00:52 You may or may not receive a new card
01:01 Medicare will NOT call you 🚨
01:12 Scam warning: hackers and fraud risk
01:23 What to do if someone asks for your Medicare number
01:30 Hang up immediately
01:33 Call 1-800-MEDICARE to verify safely
01:47 Why calling them yourself matters
01:51 Timeline: cards sent March–April
01:54 What if you don’t receive one
02:02 Final scam reminder – don’t give your number out
02:12 How to safely confirm your new number
02:14 Key takeaway: protect your Medicare info
02:23 Like & subscribe
02:31 Podcast outro
02:53 Compliance disclaimer

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Ever want to see a tutorial on how to price Medicare Plan D drugs?
Amanda is here to help!
See her tutorial in this episode of the I'm With Amanda Medicare Podcast.

Watch the video version here.

https://youtu.be/fdg563aR37s

https://imwithamanda.com/

#medicarepodcast
#medicaresyracuse
#medicarenewyork
#amandamaclachlan
#imwithamandamedicarepodcast

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