Don’t Be Irked By An IRMAA Determination Letter

Stepping Into Deals and Rewards | 4 Things to Know if Medicare s IRMAA Kicks In | Get Costco's Early Black Friday Deals Created for {EMAIL} | [Web Version]( November 13, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] INTRODUCTION [] - [Stepping Into Deals and Rewards]( It can be jarring and overwhelming when you get a letter from the government telling you that you owe more than you had budgeted. If you are enrolled in Medicare and received an Initial IRMAA Determination, we can help whether you are wondering why you owe this surcharge or want to fight it. But this time of year is also about holiday shopping, and Costco is one of my [favorite places to find true bargains](. From books to bottled water, I always leave happy, and finding gifts is no exception. Some great specials have already begun, and we have a round-up that ensures you don’t miss the deals rolling out through November. And, Kiplinger personal finance writer [Erin Bendig]( brings us a great credit card rewards offer that could earn you over $1,000 in miles. Just a thought: Your holiday shopping could easily cover the minimum spending requirement to get the maximum reward. - Donna LeValley, personal finance writer [Are You Maximizing Your Portfolio?]( An advisor can help you determine if you are making the most out of your portfolio so you can make the most of your retirement. Take this short quiz to get matched with up to 3 vetted financial advisors serving your area. It's never too late to work towards financial freedom. Get started today. [LEARN MORE]( ADVERTISEMENT [] TOP STORY [] [4 Things to Know if Medicare’s IRMAA Kicks In]( [4 Things to Know if Medicare s IRMAA Kicks In]( (Getty Images) If you are one of the Medicare enrollees faced with paying the income related monthly surcharge, [the IRMAA](, because your income exceeds the threshold, we can help. Sometimes, one-off income or tax events can result in triggering the IRMAA. I know having perspective and knowing your options can help when faced with increased costs. We have [tips to help you better understand the IRMAA and what to do if you are assessed for this adjustment](. [] Shopping [] [Get Costco's Early Black Friday Deals]( [Get Costco's Early Black Friday Deals]( (Getty Images) Shopping at Costco is a bit like a treasure hunt — you’ll even find gold there. This really is a one-stop shopping destination. You can get the fixings for a turkey dinner at the same time you shop for presents. And in the run up to the Black Friday, they have even more specials and deals for you than usual. They are releasing new specials every week in November, so [read on if you want to find out where you can access the weekly bargains and look over some of the deals going on right now](. [Withdrawing vs Cashing Out Your 401(k)]( What are the benefits and drawbacks of taking a loan against your 401(k) vs. withdrawing funds from it? Explore reasons why people borrow against their 401(k). [LEARN MORE]( ADVERTISEMENT [] Credit Card Rewards [] [Earn Up to $1,170 With United Credit Cards Bonus Offer]( [Earn Up to $1,170 With United Credit Cards Bonus Offer]( (Getty Images) Frequent flyers, aspiring globetrotters and United Airlines fans gather around: This is a new and improved rewards card. And if you like the idea of letting United help pay the costs of your next vacation as much as I do, keep reading. United has upped the ante and increased the welcome mileage bonus for all of their cards. [We can tell you how much the bonus is and how much you have to spend to unlock the rewards](. [A better way to invest]( Investing for you, managed by us. Automated trading, rebalancing, and dividend reinvestment, we put our technology behind every dollar you invest. Investing Involves Risk [LEARN MORE]( ADVERTISEMENT [Advertisement] [] ALSO ON KIPLINGER [] - Senior investors [targeted by cryptocurrency scams]( - Government shutdown deadline redux: [how could you be affected?]( - [Social Security]( on the Republican debate stage - 12 [reasons to cancel Amazon]( Prime ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](concat('mailto:',$brief_feedback_email)) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036