Received an IRMAA Letter?
We Can Help.
If your income dropped due to retirement, job loss, divorce, or the death of a spouse, you may be overpaying hundreds or thousands per year in IRMAA surcharges.
No payment required to check eligibility.
Trusted by retirees across America
goodbyeirmaa.com provides form preparation and consulting services. We are not attorneys and do not provide legal advice. We do not represent clients before the Social Security Administration.
You Have the Right to Appeal.
Most People Don't Know That.
The SSA is required by law to reconsider your IRMAA surcharge if your income dropped. Here's what you need to know.
Medicare Charged You More Based on Old Income
Medicare uses your tax return from 2 years ago to set your premium. If you had a high-income year — from a business sale, Roth conversion, or last year of work — you're now paying an IRMAA surcharge even though your income has dropped.
Anyone Whose Income Dropped Due to a Life Event
The SSA allows you to appeal if your income fell because of retirement, job loss, divorce, death of a spouse, or reduced work hours. You don't have to wait for your tax return to catch up — you can appeal now.
We Prepare Every Document the SSA Requires
We identify your life-changing event, complete the SSA-44 appeal form, draft a personalized sworn statement (SSA-795), and build a tailored document checklist — so your appeal is complete, organized, and ready to mail.
The appeal window is time-sensitive.
The SSA processes appeals year-round, but delays cost you money every month you wait.
Three Steps. Zero Stress.
Everything you need to appeal.
GoodbyeIRMAA is designed to help you navigate the IRMAA appeal process — faster, easier, and error-free.
01Complete Your Appeal Questionnaire
About 10 minutes. We'll ask about your life-changing event and your income for the year you're appealing.
02We Prepare Your Forms
You'll receive your completed SSA-44 and a personalized SSA-795 statement, ready to submit.
03Print, Sign, and Mail
Sign in ink, attach your documentation, and mail everything to Social Security. Our submission guide shows you exactly how.
Do You Qualify for Lower Medicare Premiums?
You may qualify for an IRMAA reduction if you experienced any of these life-changing events:
Retirement or Job Loss
You stopped working or were laid off
Reduction in Work Hours
Your income decreased significantly
Death of a Spouse
Your household income changed after losing your spouse
Divorce or Annulment
Your filing status and income changed
Loss of Income-Producing Property
Due to disaster, fraud, or other loss
Loss of Pension Income
Your pension was reduced or eliminated
Employer Settlement Payment
You received a one-time settlement that inflated your income
The Complete
IRMAA Appeal Kit
Everything prepared, personalized, and ready to submit — in as little as 24 hours. You just sign, send, and save.
Free eligibility check — no payment required
Completed SSA-44 Form
Pre-filled with your information, ready to print and sign.
Personalized SSA-795 Statement
A sworn statement written for your exact situation.
Step-by-Step Submission Guide
SSA office address, fax number, online upload & certified mail instructions.
100% Money-Back Guarantee
If SSA denies your appeal using the forms we generate, you pay nothing.
How much could GoodbyeIRMAA save me?
Tell us your filing status and the two incomes SSA uses to set your surcharge.
The higher income from the year SSA based your surcharge on (usually 2 years ago).
Your current, lower income after the life-changing event (retirement, job loss, etc.).
Enter your income SSA used to see your estimated savings.
Based on 2026 Part B IRMAA surcharge brackets. Savings = difference between your old and new surcharge tiers. Part D savings are additional.
Simple, Transparent Pricing
One flat fee. No hidden costs. Money-back guarantee.
Individual Appeal
Filing alone
$149
one-time flat fee
- Completed SSA-44 Form
- Personalized SSA-795 Statement
- Step-by-Step Submission Guide
- 100% Money-Back Guarantee
Married Couple
Save $19 vs. filing separately
$249
one-time flat fee
- Both Completed SSA-44 Forms
- Both Personalized SSA-795 Statements
- Step-by-Step Submission Guide
- 100% Money-Back Guarantee
100% Money-Back Guarantee
If your appeal is denied by the SSA, we refund every penny. No questions asked.
Financial Advisors & Insurance Agents: We offer wholesale pricing at $99/case for professional partners. Contact us for partnership details →
What You'll Need to Appeal
Here's what to have handy before you begin.
IRMAA Notice Letter
The letter announcing your IRMAA surcharge. It shows the premium year, the tax year Social Security used, and the income amount your surcharge is based on.
Estimated Household Income
The income figures for the year you're asking Social Security to use instead. Exact amounts if you've filed that year's return, or your best estimate if you haven't.
Proof of Your Life-Changing Event
Documentation such as an employer letter, divorce decree, or death certificate. You'll mail this with your completed forms — you don't need it in hand to start.
Filing as a couple? You'll need this information for both spouses.
Common Questions
Everything you need to know about IRMAA appeals.
Stop Overpaying
for Medicare
Check your eligibility in 2 minutes. If you qualify, we'll prepare everything you need to get your premiums reduced.
100% Money-Back Guarantee · No payment required to check eligibility