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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.

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