IRMAA stands for Income Related Monthly Adjustment Amount. It’s basically a surcharge for Medicare Part B premiums based on your salary from two years ago. So for me, instead of paying the base $135.50 per month, it’s something higher, much higher.
Based on my tax return AGI (Adjusted Gross Income), I would need to pay a monthly surcharge of $297.90 or a total of $433.40 per month. I don’t know how much my clinic charges Medicare but if we use the DaVita rate of $260/session, then the monthly cost is ~$3.380. I’m pretty sure if I asked for the non-insurance rate, it won’t be less than the Medicare reimbursement amount.
I guess I’m paying an extra $5,200/year for Medicare since my work insurance won’t pay for dialysis anymore after March.
Life with chronic diseases 
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