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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.

medically necessary

What does medically necessary mean?

medically necessary infographic

What does medically necessary mean?

Medically necessary refers to services or supplies that are necessary for the diagnosis or treatment of a medical condition.1

Medicare will only cover medically necessary care, and has an evidence-based process for setting coverage rules to ensure that medically necessary care is covered.2

Footnotes

  1. What Is Medical Necessity?” National Association of Insurance Commissioners. Accessed May 22, 2025 
  2. Medicare Coverage Determination Process” Centers for Medicare & Medicaid Services. Accessed May 22, 2025