Medicare premium confusion with new Social Security benefits - pay full bill or just February?
Finally got approved for Social Security retirement benefits starting February 1st, with my first payment scheduled for March. I've been paying my Medicare premiums directly until now (covered through January 31st). Just received a bill for February, March, AND April premiums all at once. I'm confused about what to do here - should I just pay for February since SS will start deducting premiums from my March payment? Or do I need to pay the entire 3-month bill and then deal with getting reimbursed for overpayment later? Anyone dealt with this transition period before? I tried calling the local office but gave up after being on hold for 90 minutes.
18 comments
Savanna Franklin
Just pay for February. Social Security will automatically start deducting your Medicare premiums from your benefits starting with your March payment. If you pay the full three months, you'll end up with a mess trying to get that money back. It's a common transition issue that happens with the timing between Medicare and Social Security benefit starts.
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Sergio Neal
•Thank you! That's what I was thinking but wasn't 100% sure. Appreciate the clear answer!
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Juan Moreno
I actually did the opposite and paid for all three months when this happened to me. BIG MISTAKE!!! Took me 6 months and multiple calls to get my money back. Still not sure if they gave me everything I was owed.
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Sergio Neal
•Oh no! That's exactly what I was worried about. Thanks for sharing your experience - definitely just paying for February now!
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Amy Fleming
I wish someone had warned me about this when I started collecting! The Medicare-Social Security transition timing is really confusing. Definitely only pay for February. Your March SS payment will have your Medicare premium deducted automatically. Make sure to keep documentation of everything. The Medicare billing system doesn't always communicate perfectly with SSA right away, so having proof of payment is important.
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Alice Pierce
•Yep happened to me to. system is so frustrating!!
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Esteban Tate
When I tried sorting this out with SS last year, I couldn't get through on the phone for days. I finally found this service called Claimyr that got me through to an actual SSA agent in about 20 minutes instead of waiting on hold for hours. Saved me so much frustration! Their site is claimyr.com and they have a demo video showing how it works: https://youtu.be/Z-BRbJw3puU. Definitely worth it for complicated issues like this Medicare-SS transition stuff.
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Sergio Neal
•Thanks for the tip! If I have any more issues getting through I'll definitely check this out. The hold times are ridiculous!
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Alice Pierce
pay febuary only!!! i paid all three months and SS took it out again anyway. took forever to fix!!
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Ivanna St. Pierre
•Same thing happened to my husband. The SSA and Medicare systems don't talk to each other very well, do they? Makes you wonder if it's intentional sometimes...
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Elin Robinson
I work with seniors on Medicare transitions, and this is a very common issue. Here's exactly what you should do: 1. Only pay the February premium directly 2. Keep your receipt/proof of payment 3. Your March SS payment will have the Medicare Part B premium automatically deducted 4. Check your Medicare online account after your March payment to confirm everything transitioned correctly If you pay for March and April directly, Medicare won't know that SSA is also deducting those premiums, and getting a refund is unnecessarily complicated. This happens because Medicare and SSA are technically separate systems that don't sync in real-time.
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Sergio Neal
•Thank you for the detailed explanation! That makes perfect sense. I'll follow these steps exactly.
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Juan Moreno
My sister had this exact situation except her first SS check was delayed by almost two months after they said it would start! So her Medicare payments got all messed up. Just something to watch out for - sometimes that first payment doesn't come exactly when they say it will.
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Amy Fleming
•That's a good point. If your first SS payment gets delayed for any reason, you'd need to keep paying Medicare directly until the SS payments actually begin. This system really isn't designed well for transitions.
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Ivanna St. Pierre
When I started SS last year I had a similar issue but with different months. My cousin told me to just pay the one month but then I got a warning letter about overdue payments! Turns out my SS benefit processing was delayed (they didn't tell me) so the auto-deductions didn't start when expected. Just keep an eye on your myMedicare account to make sure everything transitions properly.
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Elin Robinson
•This is an important caution. The OP should verify their first SS payment is actually processed as scheduled in March. If there's any delay, they would need to continue paying Medicare directly to avoid coverage issues.
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Savanna Franklin
One more thing to be aware of - once SSA starts deducting your Medicare premiums, they're actually paying for the current month, not in advance. So your March SS payment will have the March premium deducted. This is different from when you pay directly, which is why the transition month (February in your case) is so important to handle correctly.
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Sergio Neal
•I didn't realize that! So it's really important that I pay February directly, and then March starts the automatic deductions. This whole system seems unnecessarily complicated.
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