- MEDIUM
- Business
- Tier 1
- Mainstream Media
At 70, She Will Pull $28,000 From Her IRA for Dental Implants Medicare Won't Cover. Medicare Will Count the $28,000 as Income and Raise Her Premiums in 2028
- Source
- 24/7 Wall St.
- Originally at
- news.google.com(opens in a new tab)
Summary and scoring by The Bell Brief (Dr. Jennifer Bell) using the Drill-Down Protocol. Not the original publisher.
Why it matters for dental
Medicare beneficiaries who withdraw from traditional IRAs to pay for uncovered dental implants can trigger higher Part B and Part D premiums two years later, so practices accepting Medicare patients should flag this timing issue when discussing out-of-pocket treatment plans.
Key points
- 01
Medicare does not cover routine dental implants for beneficiaries unless the treatment is tied to a covered medical service such as heart valve replacement or chemotherapy preparation.
- 02
Social Security uses modified adjusted gross income from two years prior to calculate IRMAA surcharges, so a 2026 traditional IRA withdrawal for dental work raises 2028 Medicare premiums.
- 03
A single filer whose MAGI moves above the 2026 threshold of $109,000 pays an extra $81.20 monthly for Part B and $14.50 for Part D, totaling $1,148.40 in added premiums for that year.
- 04
Widowhood lowers the IRMAA threshold from $218,000 for joint filers to $109,000 for single filers, leaving less room before surcharges begin.
Who should care
- Owner
- Staff
Read the original
24/7 Wall St.
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