How to use current figures
Use the current standard Part B premium, your Part D plan premium and any published IRMAA surcharge that applies to your income tier. Medicare usually uses income information from a prior tax year for IRMAA decisions.
Why this page is useful
Many people focus on a single premium number. This calculator makes the combined monthly effect easier to see: Part B, Part D, income-related surcharges and the annual budget impact.
What this page does not calculate
It does not determine eligibility, compare Medicare Advantage plans, estimate drug costs, calculate deductibles, handle Medicaid, or decide whether an IRMAA appeal applies.
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FAQ
Does this calculate official Medicare premiums?
No. It estimates a scenario from numbers you enter.
What is IRMAA?
IRMAA is an income-related monthly adjustment amount that can increase Part B and Part D premiums for higher-income beneficiaries.
Why might my net Social Security deposit differ?
Medicare premiums may be deducted from Social Security benefits, affecting the amount deposited.