Medicare Part B premium wrongfully deducted from Social Security check - no refund received after promised
I turned 73 last month and have continued working at my engineering firm with good health insurance, so I specifically declined Medicare Part B when I started collecting Social Security in June. Got my first payment in July, but I noticed they deducted the Part B premium anyway ($226.50)! I called SSA and after being on hold for almost TWO HOURS, the rep acknowledged their error and promised I'd get a refund with my September payment. Well, September came and went - no refund. October's payment just arrived yesterday - still no refund. I'm beyond frustrated because I SPECIFICALLY declined Part B during my initial enrollment, have the confirmation paperwork, and even the SSA rep admitted their mistake. Now I can't get through on the phone again to follow up. Has anyone dealt with this Medicare premium refund situation? What's the best way to get this resolved without wasting more days of my life on hold? Should I try visiting a local office or is there some specific department I should ask for when calling?
23 comments
Ava Martinez
You need to speak with the Medicare Premium Payment department specifically, not just any SSA rep. Ask for a tier 2 specialist who can access both your Medicare and SSA records simultaneously. Bring your initial enrollment confirmation showing you declined Part B. They can initiate what's called a "premium adjustment refund" that should be processed within 30 days. If you visit an office, go early (before 9am) and specifically request this type of adjustment. Also ask them to verify your Medicare status is properly coded in their system so this doesn't happen again next month.
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Dmitry Sokolov
•Thank you for such specific advice! I had no idea there was a Medicare Premium Payment department or that I should ask for a tier 2 specialist. I'll definitely use these exact terms. Do you know if I need to bring anything besides my enrollment confirmation? I have all my bank statements showing the incorrect deductions too.
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Miguel Ramos
This EXACT thing happened to my husband!! They took out Part B even though he was still on my work insurance. Every month another excuse why refund wasn't processed. Took us FIVE MONTHS to get the money back!!! The system is completely broken!!!
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Dmitry Sokolov
•Five months?! That's ridiculous! Did you do anything special to finally get the refund? I'm worried they'll keep giving me the runaround forever.
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Miguel Ramos
•We finally went IN PERSON to the local office and refused to leave until they called someone who could fix it. Magically it was resolved 2 weeks later! Phone calls got us nowhere for months!
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QuantumQuasar
have you tried logging into your mymedicare.gov account? sometimes you can see the status of premium refunds there and theres a different phone number for medicare premium issues
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Dmitry Sokolov
•I haven't checked MyMedicare.gov because I thought this was entirely an SSA issue. I'll look into that right away - thanks for the suggestion!
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Zainab Omar
I work as a Medicare insurance broker, and I see this issue frequently. Here's what you need to do: 1. Get a copy of your Medicare Summary Notice (MSN) which should show your Part B election status 2. Contact the Medicare Coordination of Benefits Contractor at 1-855-798-2627 to verify your Part B status 3. Then contact SSA with this information to process your refund The problem is that sometimes there's a disconnect between Medicare systems and SSA payment systems. The refund needs to be processed as a "Medicare Premium Bill Adjustment" and can take 2-3 processing cycles to appear in your payment. Also, make sure they've actually stopped the ongoing deductions - sometimes they'll promise a refund but continue taking the premium out each month!
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Dmitry Sokolov
•This is incredibly helpful information! I had no idea there was a Coordination of Benefits Contractor I could contact. I'll call them tomorrow. And good point about making sure they've stopped the ongoing deductions - I need to verify that too.
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Connor Gallagher
I struggled with reaching SSA about my retirement application for WEEKS. Constantly disconnected or on hold forever. I finally used a service called Claimyr that got me connected to an agent in about 15 minutes instead of hours. It was actually worth it - they basically call SSA for you and then call you when they have an agent on the line. Saved me so much frustration. You can see how it works in their video: https://youtu.be/Z-BRbJw3puU or just go to claimyr.com. I used it twice now for different issues. Their connections seem to get through faster than when I call directly.
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Dmitry Sokolov
•I've never heard of this service but at this point I'm desperate enough to try anything. I'll check out that video. Did you get someone who was actually helpful when they connected you?
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Connor Gallagher
•Yes, I got through to someone who could actually help both times. They don't guarantee you'll get the answer you want, but at least you're talking to a real person instead of waiting on hold for hours. Made a huge difference for me.
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Yara Sayegh
I'm going through the EXACT same thing except it's been 4 months of promises with no refund! I'm so upset because that's $906 they've taken from me that I need for medications. Every month they say "it's being processed" or "it will be in next month's payment" but nothing ever happens. I'm at my wit's end. Did anyone here actually GET their refund? How long did it take?
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Miguel Ramos
•We finally got ours after 5 months but only after going in person and making a huge fuss. They kept saying "it's processing" every month too. Such a scam!
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Yara Sayegh
•5 MONTHS?! Oh my god I can't wait that long! Did they pay you interest on the money they basically stole from you???
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Miguel Ramos
•Nope! No interest! Just the basic refund after making us wait forever. It's ridiculous!!!
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Keisha Johnson
this happens alot actually my sister had same issue last year they took out part B even tho she had tricare and was still working they told her 30 days for refund but took 3 months she kept calling every week to remind them
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Dmitry Sokolov
•3 months seems to be the common timeframe I'm hearing. I guess I need to settle in for the long haul and start calling weekly like your sister did. Thanks for sharing her experience.
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Ava Martinez
One more thing I should mention - make sure to document everything. Write down the date, time, name of representative, and reference number for every call. If you visit an office, get everything in writing before you leave. SSA processes can be fragmented across different systems, and having this documentation can expedite a resolution if you need to escalate to a supervisor or regional office. Also, there's a specific form for Part B enrollment/disenrollment disputes: CMS-43 (Application for Enrollment in Medicare). Request that they review this form in your file to confirm your initial election. This form should have your original signature declining Part B coverage.
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Dmitry Sokolov
•I've been keeping notes of my calls but didn't know about the CMS-43 form. I'll definitely ask them to check this specifically. Thank you for these detailed suggestions!
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QuantumQuasar
my dad had something like this happen but with his part D premium not part B. eventually he got a lump sum back but took like 4 months. frustrating system.
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Dmitry Sokolov
UPDATE: I finally got through to someone yesterday using the Claimyr service that was recommended. It worked surprisingly well - I was connected to an agent in about 20 minutes instead of hours on hold. The agent confirmed there was a refund request in their system but it was stuck in some processing queue. They escalated it and promised I should see the refund in my November payment. I'm not holding my breath based on everyone's experiences, but at least I know it's in their system! I also confirmed they've stopped taking out the Part B premium going forward, so that's something. Will update again when/if I get my refund. Thanks everyone for your help!
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Zainab Omar
•That's good progress! Make sure to call back if you don't see it in your November payment. Ask for the specific transaction ID number of the refund processing - that's the best way to track it through their system. Also, request they add interest to your refund as it's been significantly delayed - they won't volunteer this but they can add it if you specifically request it.
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