C. Costs, Premiums & IRMAA (36–53)
36. What is the standard monthly Part B premium, and will everyone pay the same amount?
37. My modified adjusted gross income from two years ago was [beneficiary's MAGI] and I file as [single/married filing jointly] — will I owe an Income-Related Monthly Adjustment Amount (IRMAA)?
38. What is IRMAA, and which tax year's income does Medicare use to calculate it?
39. I believe my IRMAA surcharge is unfair because of a life-changing event like [beneficiary's life-changing event, e.g., retirement, divorce, loss of income] — how do I request a lower IRMAA?
40. How much would I pay for Part A if I have to buy it instead of getting it premium-free?
41. What is the current Part A hospital deductible, and how often could I have to pay it in a single year?
42. If I'm hospitalized for [number of days hospitalized] days, how much would I owe under Original Medicare's hospital benefit periods?
43. What are the costs for skilled nursing facility care after day 20 and after day 100?
44. I've been in a skilled nursing facility for [number of days in the facility] days this benefit period — what do I still owe?
45. What is the yearly Part B deductible, and how does it apply to my medical costs?
46. Once I meet my Part B deductible, what percentage of the Medicare-approved amount will I typically pay?
47. What are the four ways I can pay my Medicare Part B premium bill?
48. I don't receive Social Security or Railroad Retirement Board benefits — how will I be billed for my Part B premium?
49. Is there a yearly limit on out-of-pocket costs under Original Medicare?
50. How much could I pay in a calendar year if I need extended hospital and skilled nursing care and have no supplemental coverage?
51. What are my Part A costs for blood transfusions during a hospital stay?
52. What is coinsurance, and how does it apply to my Part B-covered doctor visits?
53. If my income changes significantly this year to about [beneficiary's estimated new income], will that affect what I pay next year?
Source: "Medicare & You 2027," the official U.S. government Medicare handbook (CMS), as provided by the user."
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