Medicare Resources | HonorGuard Insurance Solutions

Medicare Resources

Access important Medicare documents such as the Who Pays First guide, the L564 employer verification form for Part B enrollment, and the SSA-44 form for IRMAA income adjustments.

Understand how your employer or spouse's plan works with Medicare to determine who pays first for your healthcare costs.

Click here to access CMS Manual for deciding who pays first:
Medicare's Coordination of Benefits

Who Pays First?

CMS L564

If you delay enrolling in Medicare Part B because you're still working or covered under a spouse's employer plan, this form is required when you apply later.

Click here to access: CMS L564 – Request for Employment Information

If you have a life-changing event that reduces your income, you can request an adjustment to your IRMAA surcharges.

Click here to access: SSA-44 – Medicare IRMAA Life Change Event Form

Medicare IRMAA Life Change Event

Medicare Easy Pay

Easily set up automatic monthly payments for your Medicare premiums through Medicare Easy Pay. Just click the link below to learn how to enroll and manage your payment options directly through Medicare.gov.

Click here to Set Up Medicare Easy Pay

Overwhelmed, Frustrated, and Confused by Medicare?

Worry not! We're ready to help you simplify the process!

✓ Are your medical or prescription drug costs running too high?
✓ Would you like to get rid of co-pays and high deductibles?
✓ Would you like the freedom to choose ANY doctor or specialist, instead of being confined to a restrictive network?
✓ Do you know how and when to enroll in Medicare Parts A, B, C & D, and what services they all cover?
✓ Need help understanding the difference between Original Medicare and Medicare Advantage?
✓ When was the last time you had your health insurance coverage reviewed to see if you can save money?
If your MAGI (Modified Adjusted Gross Income*) in 2024 was... You pay in 2026 (per person) Monthly premiums to Medicare
Individual Tax Return Joint Tax Return Married & Separate Tax Return Part B Premium + IRMAA Part D IRMAA (in addition to Part D plan premium)
$109,000 or less $218,000 or less $109,000 or less $202.90 ---
$109,001 to $137,000 $218,001 to $274,000 N/A $284.10 (202.90 + 81.20) +$14.50
$137,001 to $171,000 $274,001 to $342,000 N/A $405.80 (202.90 + 202.90) +$37.50
$171,001 to $205,000 $342,001 to $410,000 N/A $527.50 (202.90 + 324.60) +$60.40
$205,001 to $499,999 $410,001 to $749,999 $109,001 to $390,999 $649.20 (202.90 + 446.30) +$83.30
$500,000 + $750,000 + $391,000 + $689.90 (202.90 + 487.00) +$91.00
* 2024 MAGI = Adjusted Gross Income (Form 1040 line 11) + Tax-Exempt Interest (Form 1040 line 2a)

Frequently Asked Questions

New to Medicare?

What is Medicare and How Do I Qualify? ▲
Medicare is a federal health insurance program primarily for people aged 65 and older, certain younger people with disabilities, and people with End-Stage Renal Disease. Qualifying typically involves having worked and paid Medicare taxes for at least 10 years.
What is Medicare Advantage (Part C)? ▲
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and often include prescription drug coverage (Part D), dental, or vision coverage.
What are Medicare Prescription Drug Plans (Part D)? ▲
Medicare Part D plans add prescription drug coverage to Original Medicare. These plans are provided by private insurance companies and help cover the cost of medications, which can save you significant money on your monthly healthcare expenses.

Reasons to let us help you with your Medicare needs

We provide expert guidance at no cost to you.

Not affiliated with the United States government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.