! Now updated with the 2025 IRMAA brackets

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Here's what happens next...

Thank you for booking your free consultation! We’ve reserved your spot, and you’ll receive a confirmation email with all the details shortly.

Your appointment details

What to expect

During this session, we’ll discuss your unique situation and explore the best strategies to optimize your Medicare and Social Security benefits. Come prepared with any questions so we can maximize our time together!

Before your call

Here’s what you can do now

1
Check Your Email – You’ll find a confirmation with meeting details and a link to reschedule if needed.
2
Watch This Short Video – If you haven't already, learn how we’ve helped others reduce their Medicare costs.
"My team and I look forward to connecting with you!"
Samantha Katchen
Financial Planner and licensed Medicare Specialist
five star rating image
One of 100+ 5 Star Reviews
Anonimised Review, Client from Geneva IL

.. The IRMAA increase was based on a one-time severance payment from a previous year—something we had no idea could impact our Medicare costs. After working with Samantha, we got a net increase in our monthly Social Security benefits! ..

“.. We were surprised when we received our initial Social Security Benefits letter, which showed we’d be paying an unexpected income-related monthly adjustment amount (IRMAA) for Medicare Part B. The increase was based on a one-time severance payment from a previous year—something we had no idea could impact our Medicare costs.

Thankfully, Samantha Katchen guided us through the process of filing an appeal using the SSA-44 form, explaining every step along the way. Because of her expertise, Social Security approved our request and removed the IRMAA, significantly reducing our Medicare costs.

We are so grateful for Samantha’s knowledge and guidance—without her, we wouldn’t have even known this was an option! ..”

How to save thousands on IRMAA

What everyone wishes they knew about IRMAA

Copyright KRS Insurance @ 2025

Copyright KRS Insurance @ 2025

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Disclaimer: Key Retirement Solutions Inc. is approved in 48 States But Not in All Service Areas. We do sell Plans in 48 states; we do not sell in HI and AK, and we do not sell Plans in all service areas in the 48 states. We work with over 30 Carriers and over 100 different carrier plans.

Watch to save thousands on IRMAA

What everyone wishes they knew about IRMAA

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IRMAA Impact Test 2025
Now updated with 2025 brackets
IRMAA Impact Test
now updated with 2025 brackets
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IRMAA 2025 Impact Test

Are you currently enrolled in Medicare?

Are you currently enrolled in Medicare? If not, when will you be?
Your Age and Medicare status will help determine the (future) impact of IRMAA on your Medicare cost

Find out by how much IRMAA impacts your Medicare bill - and whether it should be less

This test was developed to assess the impact of IRMAA on your Medicare bill, and explain what to do about it depending on your situation.

To perform the assessment, the Impact Test will ask you about different aspects of your life, including age range and generalized financial situation. You will receive a personalized report, including a breakdown of what steps to take.

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