Your SSA-44, ready to send.
- Your SSA-44, filled in from your answersYou add your SSN and sign.
- Your personal proofs checklistOnly the documents your life change needs.
- A cover letter to send with itShort and factual.
- Step-by-step sending guideOnline, by mail or at your local office.
Two ways to get it done
- Free check. No documents needed.
- See your result before you pay.
- On your own, it’s free: find the form, the proofs and the office yourself.
In their words
Not for publication. No approved customer reviews are on file.
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What is IRMAA?
An extra amount added to Medicare Part B and Part D premiums.
It applies when your income from two years ago was above $109,000 (single) or $218,000 (couple).
Who can ask for a lower IRMAA?
Anyone whose income went down after a life-changing event, like a work stoppage.
You ask Social Security to use your newer, lower income with Form SSA-44.
A one-time gain, like a stock or home sale, doesn’t count.
What do I get for $79?
Your SSA-44, filled in from your answers (you add your SSN and sign), a checklist of proofs and a cover letter.
A sending guide, and a reminder if there’s no answer in 60 days.
Couples pay one price.
Do you send the form for me?
No. You sign it and send it yourself: online, by mail or fax, or at an appointment.
Our guide shows each option, step by step.
What if I am not eligible?
You see your result before you pay.
If a reduction isn’t likely, you pay nothing.
See what you could save.
- 1Answer 7 questions
Tap to answer. No documents, no account.
- 2See your savings
Your income against the 2026 brackets.
- 3Sign and send
Your SSA-44, filled in from your answers. You add your SSN and sign.
Free checkNo documents neededSee your result before you pay