From 24/7 Wall St. · Gerelyn Terzo · · 1m
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.
In brief
A 70-year-old widow withdraws $28,000 from her IRA for dental implants, triggering Medicare surcharges in 2028. Medicare will count a $28,000 IRA withdrawal for dental implants as income, raising premiums by $1,148.40 in 2028. Originally reported by 24/7 Wall St..
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.
What it means
Medicare will count a $28,000 IRA withdrawal for dental implants as income, raising premiums by $1,148.40 in 2028.
