When your income is higher than the IRS-defined limit, you cannot avoid the additional IRMAA (income-related monthly adjusted amount) premiums, whether you are enrolled in Original Medicare and a Medicare Supplement or a Medicare Advantage plan.
When your income exceeds the limit and your Medicare prescription drug plan is either Medicare Advantage with Prescription Drug Plans (Part C) or Medicare Prescription Drug Plans (Part D), you will be required to pay an additional IRMAA premium, regardless of whether you deduct your premiums from your Social Security check or pay them directly to Social Security (since you have not yet begun receiving your Social Security check).
Also, if you fail to enroll in a Medicare Part D prescription drug plan on time, you will not only be without prescription drug coverage, but you will be penalized for late enrollment in Part D.