Important: This is a private consulting service and is not affiliated with Medicare or the Social Security Administration.

Legal disclaimer

Check IRMAA is independent of the Social Security Administration, CMS, and Medicare. This is not a government website.

This is self help only. It is not legal, tax, or benefits advice.

Form SSA 44 and IRMAA rules belong to the federal government. Official overview: ssa.gov/medicare/lower-irmaa. Official form: the SSA 44 PDF from SSA.

You are buying document preparation. You get a filled SSA 44 packet and a one page filing guide. You add your SSN, sign, attach evidence, and submit.

SSA decides whether to use more recent income. We do not file for you, represent you, or guarantee a lower premium.

Dollar amounts on this site are estimates from published CMS brackets using the facts you entered. They are not a promise of savings.

The watermarked preview is not for filing. SSN fields stay blank. SSA has not reviewed this.

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