Missing 2025 IRMAA notification from Social Security - how to find out my Medicare premium

The SSA is running about 3-4 weeks behind schedule on IRMAA determination letters this year. I'm a financial advisor with several clients in the same situation. The good news is that you can estimate your IRMAA using your 2023 tax return (that's what they base 2025 premiums on). If your MAGI (Modified Adjusted Gross Income) from 2023 was: - Under $103,000 (single) or $206,000 (married): standard premium only - $103,000-$129,000 (single) or $206,000-$258,000 (married): +$71.60/month - $129,000-$161,000 (single) or $258,000-$322,000 (married): +$179.10/month - And so on up the scale If you need the exact amount, you'll need to keep trying to reach SSA until you get through. But the online calculators can give you a good estimate based on your 2023 tax return numbers.

i got mine last week check ur spam folder maybe?? also sometimes they post it on medicare.gov before mailing it out did u check there? u have to log in to ur acct

You can file an IRMAA appeal using Form SSA-44 if you've had a life-changing event that lowered your income. Qualifying events include: - Death of spouse - Marriage/divorce - Work reduction or stoppage - Loss of income from income-producing property - Loss of pension income Just selling fewer investments doesn't qualify, but if you've actually retired or lost income in a qualifying way, you might be able to appeal. The form is available on SSA.gov and you'll need documentation proving your reduced income.

I was in the same boat last year - no letter by December and panicking about my budget. I finally got tired of waiting on hold and used a service called Claimyr to get through to SSA. You can check them out at claimyr.com - they have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Basically they wait on hold for you then call you when an agent is ready. It worked great and I got my IRMAA info right away. The SSA rep told me my letter had been generated but was delayed in processing.

THIS IS ALL SO TYPICAL OF SSA!!!!! They expect us to plan our finances but don't bother to send information on time. I'm STILL waiting for mine too and my financial advisor says lots of her clients haven't gotten letters yet. But God forbid WE are late with something - then they penalize US immediately!!! The whole system is rigged against seniors and nobody cares. They'll probably send the letters right after New Year when it's TOO LATE to plan for 2025 expenses.

For those still waiting, I just spoke with an SSA representative yesterday about another matter, and they mentioned that IRMAA letters are being sent out in batches this year due to processing delays. They're prioritizing people with changes to their IRMAA status. If your income bracket hasn't changed from last year, you might be in a later batch. Call the dedicated Medicare premium line at 1-800-772-1213 and select the Medicare premium option, which often has shorter wait times than the general SSA line.

my sister had this problem too but her accountant told her just assume worst case scenario for budgeting which is what im doing too. btw if anyone is confused IRMAA is just the extra amount higher income people pay for medicare part b and part d its so confusing why they dont just call it a surcharge or something normal lol

UPDATE: I finally received my IRMAA determination letter today (Dec 14). As many of you predicted, I'm in the second tier with the $71.60 surcharge on top of the regular premium. I'm going to file the SSA-44 form to appeal based on my retirement this year. Thanks to everyone for your helpful advice!