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Medicare Part B premiums: Will SS automatically stop bank withdrawals when I start collecting retirement?

Hi everyone, I'm finally taking retirement benefits starting April 2025. I've been on Medicare for a couple years already since I turned 65, but was still working part-time. I've been paying my Part B premiums ($203/month) through automatic withdrawal from my checking account. My retirement benefits start soon and during my application interview, the SSA rep mentioned they'd start deducting Medicare Part B from my SS payments. The problem is my bank account just got hit AGAIN for the April premium even though SS should start handling it this month. Do I need to actively contact Medicare to stop the bank withdrawals, or will they automatically stop once SSA starts deducting it from my monthly check? I don't want to pay double! Anyone dealt with this transition before?

Omar Zaki

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This happened to me last year! You definitely need to call Medicare directly to stop the automatic withdrawals. They don't automatically stop when SSA starts taking the premium from your Social Security. I ended up double-paying for 2 months before I realized what was happening, and it was a hassle to get reimbursed. Call 1-800-MEDICARE as soon as possible and tell them you're now having premiums deducted from SS benefits. Have your Medicare number ready when you call.

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Oh no, that's exactly what I was afraid of! Thank you for confirming - I'll call them tomorrow. Did they refund both months of overpayment to you eventually?

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Chloe Taylor

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my sister went thru this exact thing!!! they took $ from her bank AND her ss check for 3 MONTHS before she caught it!! the medicare people acted like it happens all the time, smh

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Diego Flores

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This is unfortunately a common coordination issue between SSA and CMS (the agency that runs Medicare). When you start receiving Social Security benefits, you need to proactively contact Medicare to stop automatic bank withdrawals. Medicare should eventually refund any duplicate payments, but it can take 60-90 days to process.

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To add to what others have said, this is a classic case of government agencies not communicating with each other effectively. Here's what you need to know: 1. The Social Security Administration (SSA) and the Centers for Medicare & Medicaid Services (CMS) are separate entities that don't automatically sync their payment systems. 2. When you start receiving Social Security benefits, SSA will automatically begin deducting your Part B premium from your monthly benefit. 3. However, Medicare won't automatically stop your existing bank withdrawals unless you specifically request it. 4. Call 1-800-MEDICARE (1-800-633-4227) as soon as possible to stop the bank withdrawals. 5. Keep documentation of all payments made, as you'll need to request a refund for any double payments. 6. The refund process typically takes 6-8 weeks, sometimes longer. I've helped several clients navigate this exact situation. It's frustrating but fixable!

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Thank you for the detailed explanation! I'll definitely call Medicare tomorrow with my documentation ready. It's frustrating that they don't communicate with each other, but at least there's a process to get refunded.

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Sean Murphy

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I know you're frustrated. I've been trying to reach SSA about my Medicare Part D issues for WEEKS and can't get through. The hold times are insane and I keep getting disconnected. I finally used a service called Claimyr (claimyr.com) after my neighbor recommended it. They got me connected to a real person at SSA in about 20 minutes instead of waiting for hours. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU if you're curious. Saved me hours of frustration - might help you too if you need to talk to someone at SSA about the Medicare premium situation.

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StarStrider

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does this claimyr thing actually work? i need to call about my husbands benefits and ive tried 3 times this week and keep getting the busy signal!!!

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Sean Murphy

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Yes, it definitely worked for me! The service connected me right away. I was skeptical too but was desperate after trying for weeks. The video on their site shows exactly how it works.

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Zara Malik

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EXACT SAME THING happened when my husband started getting SS last year!! We paid DOUBLE for Medicare for THREE MONTHS and it took SIX MONTHS to get our money back!!! The government is SO INEFFICIENT! Why can't these agencies talk to each other??? Makes me FURIOUS how they handle OUR MONEY!!

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Chloe Taylor

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six months??? thats crazy!! they should pay interest on that money i swear

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Diego Flores

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The transition between direct Medicare premium payments and having them deducted from your Social Security benefits requires specific action on your part. Here's what I recommend: 1. Contact Medicare at 1-800-MEDICARE (1-800-633-4227) 2. Inform them you're now receiving Social Security benefits and want to stop direct premium payments 3. Ask for confirmation in writing that your payment method has been updated 4. Request reimbursement for any duplicate payments (the April payment you mentioned) 5. Record the date, time and name of the representative you speak with After you've contacted Medicare, verify on your next Social Security statement (viewable in your my Social Security account online) that the Medicare premium is being deducted correctly. The coordination between these two federal programs should be seamless, but unfortunately it requires beneficiary intervention.

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This is really helpful advice - especially keeping track of who I speak with. I'll definitely check my my Social Security account after everything is supposedly fixed to make sure it's actually working correctly.

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StarStrider

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i had this same problem!!!!! i paid double for like 3 months and then had to wait forever to get my money back....so annoying

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Ugh, it seems like this happens to everyone! I can't believe they don't have a better system for this by now.

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Omar Zaki

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As an update to my previous comment - when you call Medicare, make sure you specifically request a refund for any duplicate payments. They processed my refund as a paper check rather than direct deposit, so watch your mail carefully after you make the request. And just to prepare you, the hold times when calling can be really long. I waited almost an hour when I called, so try to call early in the day if possible.

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Thanks for the additional tips! I'll make sure to specifically ask about the refund process and how I'll receive it. I'll try calling first thing in the morning to avoid the long wait times.

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