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2 forms found in the DOM

GET /search/medicare

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POST /drug-coverage-part-d/costs-for-medicare-drug-coverage/monthly-premium-for-drug-plans

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 * Home
 * Drug coverage (Part D)
 * Costs for Medicare drug coverage
 * Monthly premium for drug plans

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Print this page.
 * How to get prescription drug coverage
 * What Medicare Part D drug plans cover
 * Costs for Medicare drug coverage
   * Monthly premium for drug plans
   * Yearly deductible for drug plans
   * Copayment/coinsurance in drug plans
   * Costs in the coverage gap
   * Catastrophic coverage
   * Part D late enrollment penalty
 * How Part D works with other insurance


MONTHLY PREMIUM FOR DRUG PLANS



Most drug plans charge a monthly fee that varies by plan. You pay this in
addition to the Part B
premium

Premium
A monthly amount you pay for coverage, whether you get services or not.

. If you're in a
Medicare Advantage Plan (Part C)

Medicare Advantage Plan (Part C)
A type of Medicare-approved health plan from a private company that you can
choose to cover most of your Part A and Part B benefits instead of Original
Medicare. It usually also includes drug coverage (Part D). 

or
Medicare Cost Plan

Medicare Cost Plan 
A type of Medicare health plan available in some areas. In a Medicare Cost Plan,
if you get services outside of the plan's network without a referral, your
Medicare-covered services will be paid for under Original Medicare (your Cost
Plan pays for emergency services or urgently needed services).

with drug coverage, the monthly premium may include an amount for drug coverage.

The same insurance company may offer
Medigap

Medigap
Medicare Supplement Insurance sold by private insurance companies to fill “gaps”
in Original Medicare coverage.

policies and Medicare drug plans.

If you join a Medigap policy and a Medicare drug plan offered by the same
company, you may need to make 2 separate premium payments for your
coverage. Contact your insurance company for more details.


GET YOUR PREMIUM AUTOMATICALLY DEDUCTED

Contact your plan (not Social Security or the Railroad Retirement Board (RRB))
if you want your premium deducted from your monthly Social Security or
RRB payment (called "premium withholding"). If you want to stop premium
deductions and get billed directly, contact your plan.

Your plan will tell you when premium withholding is set up or if there are any
problems. It may take up to 3 months to start. 

If you don’t start having premiums withheld from your Social Security payment
until 1 -2 months after you joined a drug plan, you’ll get a bill for those
months from your drug plan. You’ll need to pay this bill directly to your drug
plan.

What happens to my premium withholding if I switch plans?


HOW MUCH DOES PART D COST?

Most people only pay their Part D premium. If you don't sign up for Part D when
you're first eligible, you may have to pay a Part D late enrollment penalty.

If you have a higher income, you might pay more for your Medicare drug coverage.
If your income is above a certain limit  ($103,000 if you file individually or
$206,000 if you’re married and file jointly), you’ll pay an extra amount in
addition to your plan premium (sometimes called “Part D-IRMAA”). You’ll also
have to pay this extra amount if you’re in a Medicare Advantage Plan that
includes drug coverage. This doesn’t affect everyone, so most people won’t have
to pay an extra amount. The chart below lists the extra amount costs by income.

Social Security will contact you if you have to pay Part D IRMAA, based on your
income. The amount you pay can change each year. If you have to pay a higher
amount for your Part D premium and you disagree (for example, if your income
goes down), use this form to contact Social Security [PDF, 125 KB].  If you have
questions about your Medicare drug coverage, contact your plan.

The extra amount you have to pay isn’t part of your plan premium. You don’t pay
the extra amount to your plan. Most people have the extra amount taken from
their Social Security check. If the amount isn’t taken from your check, you’ll
get a bill from Medicare or the Railroad Retirement Board. You must pay this
amount to keep your Part D coverage. You’ll also have to pay this extra amount
if you’re in a Medicare Advantage Plan that includes drug coverage. 

If Social Security notifies you about paying a higher amount for your Part D
coverage, you’re required by law to pay the Part D-Income Related Monthly
Adjustment Amount (Part D IRMAA).  If you don’t pay the Part D IRMAA, you’ll
lose your Part D coverage.


EMPLOYER/UNION COVERAGE AND PART D IRMAA

You pay your Part D IRMAA directly to Medicare, not to your plan or employer.

You’re required to pay the Part D IRMAA, even if your employer or a third party
(like a teacher’s union or a retirement system) pays for your Part D plan
premiums. If you don’t pay the Part D IRMAA and get disenrolled, you may also
lose your retirement coverage and you may not be able to get it back.


THINGS TO REMEMBER

 * Pay your Part D IRMAA bill to Medicare as soon as you get it. Find out how to
   pay your bill. 
 * Keep your address current with Social Security, even if you don’t get a
   Social Security check.


PART D PREMIUMS BY INCOME

The chart below shows your estimated prescription drug plan monthly premium
based on your income as reported on your IRS tax return. If your income is above
a certain limit, you'll pay an income-related monthly adjustment amount in
addition to your plan premium. If you've had a life-changing event that reduced
your household income, you can ask Social Security to lower the additional
amount you'll pay. 


2024

If your filing status and yearly income in 2022 was:

File individual tax returnFile joint tax returnFile married & separate tax
returnYou pay each month (in 2024)$103,000 or less$206,000 or less$103,000 or
lessyour plan premiumabove $103,000 up to $129,000above $206,000 up to
$258,000not applicable$12.90 + your plan premiumabove $129,000 up to
$161,000above $258,000 up to $322,000not applicable$33.30 + your plan
premiumabove $161,000 up to $193,000above $322,000 up to $386,000not
applicable$53.80 + your plan premiumabove $193,000 and less than $500,000above
$386,000 and less than $750,000above $103,000 and less than $397,000$74.20 +
your plan premium$500,000 or above$750,000 or above$397,000 or above$81.00 +
your plan premium


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TAKE ACTION

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CMS & HHS WEBSITES

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