Looking ahead, Toumayants said he doesn't see significant Social Security increases coming down the pike - we seem to be in a low inflation era - but, very probably, Medicare Part B costs will continue to rise. Some will pay those increases, many others won't.
Said Toumayants: "if this goes on for ten years, people will be paying three or four times more for Medicare Part B than others are paying. That's a problem."
Maybe so, but right now, nobody in power in Washington DC is talking about a solution.
That leaves solutions up to individuals. "You need to make sure you have enough income coming in to keep up with the increasing cost," said Michael Foguth, founder of Foguth Financial Group in Brighton, Mich.
But that can raise its own problem. A nasty gotcha that may arise is pointed out by Christopher Lester, president of Professional Planning Services in Somerset, N.J.: by pulling money from retirement accounts to handle Part B costs some people will find they trigger more income tax payments.
Some may also trigger still higher Medicare Part B charges if their income crosses the means tested threshold.
Word of advice: if you are snagged in a situation where probably you will have to pay the Medicare Part B premium hike, talk with a financial adviser who has Medicare savvy. Probably - multiple experts said - you will still be stuck with paying the premium. But a lot of money may ride on this, over many years, so let an expert tell you if there is safe exit.