Edward Smith Insurance

06/20/2026

Did Social Security just tell you your Medicare premiums are going UP?

You may have been hit with an IRMAA surcharge – an extra charge on your Part B and Part D because your income was “too high” two years ago. One tax return, one big sale, or one IRA withdrawal can trigger it.

The letter is confusing. The bill is real. And most people have no idea what to do next.

You may have options. In some cases, you can:

Appeal if your income has dropped (retirement, loss of income, etc.)

Plan your withdrawals and Roth conversions more carefully going forward

Restructure income so you’re not pushed into higher IRMAA tiers year after year

I help retirees understand why they were hit with IRMAA and what steps they can take to try to reduce it now or in the future — in plain English, not jargon.

If you just got an IRMAA letter and your premiums jumped, let’s review it together.

📞 Call Edward Smith Insurance at 513‑774‑9125
🌐 Schedule a no‑cost review: www.ask.medicare247.org

Not connected with or endorsed by the U.S. government or the federal Medicare program. For educational purposes only. Please consult your tax professional for personalized tax advice.

Licensed Insurance Agent & Investment Adviser

06/19/2026

Turning 65, retiring or simply have Medicare questions?

This is "EDWARD SMITH_TAG" by MA MARKETING PRO on Vimeo, the home for high quality videos and the people who love them.

06/13/2026

When it comes to Medicare, there is no one-size-fits-all plan. As an independent agent, I work with all types of Medicare options – Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans – rather than pushing any one company’s product.
My job is simple:
Educate you on how Medicare works and what your real options are
Compare plans from multiple carriers based on your doctors, prescriptions, and budget
Advise you objectively so you understand the trade-offs
Then you choose the plan that fits you best – with confidence
There is no cost to sit down with me, and no obligation – just clear guidance so you can make an informed decision.
If you or someone you know is turning 65, retiring, or reviewing your current Medicare coverage, send me a message or comment “INFO” and I’ll reach out.
How would you like your Medicare decisions to feel this year: confusing and rushed, or simple and explained in plain English?

Licensed Insurance Agent & Investment Adviser

06/07/2026