The Medicare Part B monthly premium...
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Every Part B enrollee pays the Part B monthly premium; there is no premium-free Part B the way Part A can be premium-free through work credits. The standard premium is adjusted upward for higher-income beneficiaries through the Income-Related Monthly Adjustment Amount (IRMAA), so wealthier enrollees pay more. Low-income beneficiaries do not get the premium automatically waived, though state programs such as the Medicare Savings Programs may pay it for those who qualify. This everyone-pays-plus-income-scaling structure is the precise Part B premium fact tested in the senior health products outline.
Why the other options are wrong
- B) The premium is not automatically waived at any age; assistance comes only through qualifying programs.
- C) Part B premiums vary by income through the IRMAA surcharge.
- D) Part B premiums are due regardless of whether a claim is filed.
Memory hook
Everyone pays the Part B premium, and high earners pay more (IRMAA).