# At 70, She Pays $28,000 for Dental Implants

> A 70-year-old widow withdraws $28,000 from her IRA for dental implants, triggering Medicare surcharges in 2028.
- Title: At 70, She Pays $28,000 for Dental Implants · 24/7 Wall St.
- Summary: A 70-year-old widow withdraws $28,000 from her IRA for dental implants, triggering Medicare surcharges in 2028.
- Keywords: medicare, ira, dental implants, premiums, social security, surcharge, widow, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/11/06/at-70-she-will-pull-28000-from-her-ira-for-dental-implants-medicare-wont-cover-medicare-will-count-the-28000-as-income-and-raise-her-premiums-in-2028
- Author: Gerelyn Terzo
- Published: 2026-11-07T01:06:30+00:00
- Read time: 1 min
- Topics: medicare, ira, dental implants, premiums, social security, surcharge, widow
## The Dental Cost
A 70-year-old widow needs $28,000 for dental implants Medicare won’t cover.
## Medicare Surcharge Rule
Medicare will count the $28,000 as income and raise her premiums in 2028.
## Income Impact
Her $28,000 IRA withdrawal raises MAGI from $90,000 to $118,000.
## Premium Increase
Part B premiums jump from $202.90 to $284.10 monthly, adding $974.40 yearly.
## Two-Year Delay
The 2026 withdrawal affects 2028 premiums due to Social Security’s two-year income calculation.
## Widowhood Risk
Widowhood reduces her income threshold room by half compared to married couples.
## Avoiding Surcharge
Splitting the $28,000 withdrawal across two tax years keeps her under the surcharge threshold.
## Key takeaway

Medicare will count a $28,000 IRA withdrawal for dental implants as income, raising premiums by $1,148.40 in 2028.