IRMAA: Why You Could Pay More in Medicare Premiums

Medicare beneficiaries of Parts B and D may be confused when their monthly premium costs are higher than they had anticipated, which may be due to the Income-Related Medicare Adjustment Amount or IRMAA. Below we will go over how this additional premium is calculated and what can be done to minimize how much you pay in IRMAA-based premiums.

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Understanding Medicare’s Hospital Observation vs. Admission Rule

While Medicare Parts A & B provide well-rounded coverage for individuals, there are some loopholes in Part A’s Skilled Nursing Care coverage that one should be aware of. To qualify, Medicare’s criteria for coverage is a three-day minimum hospital inpatient stay. The keyword here is “inpatient” which is where Medicare’s Admissions and Observation rules come in to play.

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