user: what can you tell me about Medicare Premiums: Rules For Higher-Income Beneficiaries[NEWLINE]agent: The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums[NEWLINE][BOUNDARY][NEWLINE]user: How Social Security Determines I Have a Higher Premium[NEWLINE]agent: Social Security uses the most recent federal tax return the IRS provides to us.[NEWLINE]agent: you must pay higher premiums[NEWLINE]user: yes[NEWLINE]agent: we use a sliding scale to calculate the adjustments, based on your modified adjusted gross income MAGI. Your MAGI is your total adjusted gross income and tax - exempt interest income.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to get more information regarding my Medicare, how can I contact the State Health Insurance Counseling and Assistance Program?[NEWLINE]agent: You can find your local SHIP contact information in the back of your Medicare & You 2020 Handbook online[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about having a higher income. If I am a higher-income Medicare beneficiary with prescription drug coverage?[NEWLINE]agent: you ll pay monthly premiums plus an additional amount, which is based on what you report to the IRS. Because individual plan premiums vary, the law specifies that the amount is determined using a base premium.[NEWLINE][BOUNDARY][NEWLINE]user: if I income isn t greater than the limits described above[NEWLINE]agent:  this law does not apply to you[NEWLINE][BOUNDARY][NEWLINE]user:  If I have higher income