Medicare and Social Security coordination when turning 70 - which July premium gets deducted from August payment?

I went through this last year. Here's what you need to know: 1) Pay your quarterly Medicare bill that comes in June. That covers July-Sept. 2) When you file for Social Security, tell them you're already on Medicare and paying premiums directly. They'll start deducting premiums from your SS payment, but not until they've verified your Medicare enrollment status. 3) The SSA will deduct the August premium from your August payment (received in September). They won't deduct July's premium since you already paid it in your quarterly payment. 4) Medicare will automatically stop sending you bills once they receive notification from SSA that you're having premiums deducted from benefits. This transition can take 1-3 months though. 5) You might receive a refund for any overlap months you paid directly (possibly September if the transition happens quickly). The key is making sure SSA knows you're already on Medicare when you apply for benefits.

i went on SS at 69 (not 70) but same idea. just pay ur quarterly bill like normal. SSA will start taking $ out for Medicare after a month or 2. they actually gave me a refund for the overlap! was surprised how smooth it went honestly.

I handle this transition for clients regularly as part of retirement planning. Here's what happens with the Medicare-Social Security transition at age 70: 1) Your quarterly Medicare premium payment due in June 2025 should be paid as normal. This covers July-September 2025. 2) When you file for Social Security (do this 2-3 months before your birthday for a smooth transition), indicate you're already enrolled in Medicare with direct billing. 3) SSA will begin deducting Medicare premiums from your SS benefits, typically starting with your first payment. However, since you've already paid July-Sept, they should begin deductions with your October premium (deducted from your October benefit paid in November). 4) You should receive notification from both SSA and Medicare about the premium transition. Keep this documentation. 5) If there's any overlap where you paid directly and SSA also deducted a premium, Medicare will issue you a refund, but this can take several months. Monitor your Medicare online account for this. Remember that your first Social Security payment will come in August 2025 (for July 2025), since benefits are paid the month after they're due.

When you turn 70 in July 2025, you're eligible for that full month of benefits regardless of which day your birthday falls on. So your July benefit payment will arrive in August 2025. Regarding Medicare premiums, there's a specific process when transitioning from direct pay to SS deductions: 1. Pay your quarterly bill for July-September as usual 2. In your SS application (apply 3 months before your birthday), make sure to note you're already on Medicare with direct payments 3. SSA will start Medicare premium deductions from your very first payment UNLESS you specifically request a different start date 4. If you want to avoid potential overlap, specifically request SSA to start Medicare deductions beginning with your October benefit 5. If there is an overlap, you'll eventually receive a Medicare premium refund, but it can take 3-6 months The most common issue people face is Premium-IRMAA timing confusion. If you're paying an income-related surcharge (IRMAA), that information must also transfer properly between systems.

Why are you guys making this so complicated?? Just call the Social Security office and ASK THEM directly! They can look at your specific file and tell you EXACTLY what to do. This forum is full of well-meaning but sometimes wrong advice! I turned 70 last year and tried following advice I read online and ended up with a big mess. Just call the source!!

Regarding your IRMAA question - yes, that adds another layer to the transition. The IRMAA amount should transfer automatically, but here's what can happen: 1) Your IRMAA determination is made based on tax returns from 2 years ago 2) When premium deduction begins from Social Security, they'll include both the standard premium AND your IRMAA surcharge 3) If your income has decreased significantly since that tax return, you can file Form SSA-44 for a reduction in your IRMAA One specific issue with IRMAA during transition: sometimes there's a 1-2 month delay in the IRMAA amount being applied to your SS deductions. If this happens, SSA will eventually catch up by taking a larger deduction from a future benefit payment. Make sure to check your first few SS benefit statements carefully to ensure both the regular premium and IRMAA are being deducted correctly.

Thanks everyone for such helpful information! I'm going to: 1) Pay my quarterly Medicare bill in June as usual 2) Apply for SS benefits 2-3 months before my July birthday 3) Specifically mention I'm on Medicare with quarterly billing and IRMAA 4) Request that Medicare premium deductions start with October's benefit (to avoid overlap) 5) Keep documentation of all payments and communications Fingers crossed the transition goes smoothly! I'll update this thread after I go through the process in case it helps someone else.

Has anyone had experience with getting a WRITTEN confirmation from SSA about when the Medicare premium deductions will start? I've heard so many horror stories about miscommunications with SSA that I'm worried about potential double-payments or coverage gaps. My mother had a similar situation last year and she received conflicting information from THREE different SSA representatives! One said to stop paying quarterly immediately, another said to keep paying until notified, and the third gave some confusing answer about "processing times." I don't trust verbal confirmations anymore. Is there a specific form or written confirmation we should request when applying for Social Security that specifically addresses the Medicare premium transition timing?