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Yes. If your income has dropped due to a life-changing event, you can appeal your IRMAA surcharge using IRS Form SSA-44. Medicare uses tax data from two years ago, so an appeal lets the Social Security Administration use more recent income instead.
Yes, in many cases you can delay Medicare if you're covered by a spouse's active employer plan. But the rules depend on the employer's size, and getting them wrong can trigger permanent penalties.
Medicare does not cover long-term custodial care, most dental, vision, and hearing services, or prescriptions under Original Medicare Parts A and B. These are among the most significant gaps people encounter.
Yes. Having Medicaid does not prevent you from getting Medicare, and many people have both at the same time. When you have both, they work together to cover your costs.
The most common mistake is missing the Initial Enrollment Period and enrolling late, which can trigger permanent late penalties and gaps in coverage. Many people don't realize they need to actively sign up for Parts A and B, even if they're already receiving Social Security benefits.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.