What if I can't afford the Part B premium?

Don't drop Part B. You'll lose TFL and face permanent late penalties when you re-enroll.

Several legitimate options can reduce the burden:

• Medicare Advantage Part B giveback — some veteran-focused plans return $100+/month to your Social Security check.
• Medicare Savings Programs (MSP) — state-administered programs that pay your Part B premium if income is below certain thresholds. Apply through your state Medicaid office.
• Extra Help (Low-Income Subsidy) — helps with Part D costs (less relevant if you have TFL but worth checking).
• IRMAA appeal — if you're paying the surcharge based on outdated income, file SSA-44.

A licensed specialist can help you identify which of these apply in your situation. Uncle Sam's Healthcare does this for veterans at no cost: (202) 552-1418.