Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under Medicare Part B, which beneficiaries pay higher monthly premiums than the standard amount?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
All Part B beneficiaries pay a monthly premium, but higher-income beneficiaries are assessed an income-related monthly adjustment amount (IRMAA) that raises their premium above the standard rate. The income thresholds are based on modified adjusted gross income reported on the tax return. The examination objectives note that a monthly premium is paid by all beneficiaries and that high-income beneficiaries are assessed higher premiums, a point tested under AH-III.D.1d. The adjustment is designed so that those with greater means contribute more toward the medical program.
Why the other options are wrong
- B) Enrolling during the General Enrollment Period may delay coverage start, but it does not itself raise the monthly premium.
- C) Using approved physicians affects how claims are paid, not the amount of the Part B premium.
- D) Owning a Medigap policy does not change the Part B premium; it is a separate supplemental product.
Memory hook
IRMAA = higher income, higher Part B premium.