Quote:
Originally Posted by caco54
You are correct I don’t know how it is computed. I have the IRMA hit, and I believe a standard Medicare charge the there is the “additional fee” that seems To go to Aetna….that is the fee I wonder if I can address and reduce.
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IRMAA affects premiums for Original Medicare Parts B and D.
The Aetna supplement pays the 'gap' that Medicare doesn't pay. Aetna premium is not affected by IRMAA. Aetna premium increases because of your age and your risk pool. Aetna is an attained-age policy. A better choice would be a community-rated policy with an open risk pool, or a high-deductible supplement.
Supplements a/k/a known as Medigaps have three pricing structures, explained in detail here - please read carefully:
https://www.city-data.com/forum/65766223-post17.html
If you want to substantially reduce premiums for Medicare coverage, seriously consider the high-deductible plan. Much has been written on this board on the HD plan, start here:
https://www.city-data.com/forum/heal...l#post66619266
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