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How are Medicare benefits changing for 2026?
Learn how premiums, out-of-pocket costs and income-related surcharges are changing for 2026 Medicare coverage.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2026, Medicare beneficiaries who earn over $109,000 a year and who are enrolled in Medicare Part B and/or Medicare Part D – pay the income-related monthly adjusted amount (IRMAA), which is a surcharge added to the Part B and Part D premiums.

primary care provider

What is a primary care provider?

primary care provider infographic

What is a primary care provider?

Your primary care provider (PCP) is the medical provider (usually a physician, physician’s assistant, or nurse practitioner) who can assess a wide range of medical conditions, coordinate care with specialists, and be your first point of contact when a new medical condition arises.

If you have a Medicare Advantage plan, the plan may require you to get a referral from your PCP before you can see a specialist. For these plans, a PCP is essential and your plan will assign one to you if you don’t select your own. Referrals are not required by Medicare Advantage PPOs (preferred provider organizations) or Original Medicare,1 but many enrollees still choose to have a trusted PCP for their primary care and care coordination needs.

Footnotes

  1. Compare Original Medicare & Medicare Advantage” Medicare.gov. Accessed May 30, 2025