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How are Medicare benefits changing for 2026?
Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2025, high-income beneficiaries – earning over $106,000 a year – pay an IRMAA surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.

advance beneficiary notice (ABN)

What is an ABN?

advance beneficiary notice (ABN) infographic

What is an advance beneficiary notice?

An advanced beneficiary notice (ABN) – also called a “waiver of liability” – is a notice that Medicare providers and suppliers must give to an Original Medicare enrollee before providing a medical service, if the provider believes that Medicare will not cover the service.1

ABNs do not have to be provided for care that’s never covered by Original Medicare, such as routine dental and vision care, hearing aids, or custodial long-term care. Instead, ABNs are used for care that can be covered by Medicare, but that the medical provider believes will not be covered in the patient’s situation.2

If your doctor or medical supplier gives you an ABN, it will include the reason the provider believes that Medicare won’t cover the service. You can decide to go ahead with the care in question, but the ABN lets you know that you may be responsible for the cost, since Medicare may deny the claim. You can still ask the provider to submit the claim to Medicare, and Medicare may cover it. If not, however, you’ll have to pay for the care yourself.

 

Footnotes

  1. Advance Beneficiary Notice of Non-coverage Tutorial” Centers for Medicare & Medicaid Services. Accessed May 29, 2025 
  2. Advance Beneficiary Notice (ABN)” Medicare Interactive. Mar. 31, 2025