The More You Earn, the More You Pay for Medicare—But It’s Not Always Fair

Key Takeaways
If your income is above certain thresholds, Medicare charges you higher monthly premiums for Parts B and D in 2025. These surcharges are known as IRMAA (Income-Related Monthly Adjustment Amount).
Medicare Promises a Safety Net, But It Still Leaves Room for Plenty of Out-of-Pocket Surprises

Key Takeaways
Medicare does provide foundational coverage, but it doesn’t eliminate all out-of-pocket expenses. You may still face costs for premiums, deductibles,
Medicare Still Makes You Jump Through Hoops to Access Mental Health Services

Key Takeaways
While Medicare now covers a wide range of mental health services, you still need to meet specific requirements, find approved providers, and understand cost-sharing rules to get full benefits.