Will Social Security automatically deduct Medicare premiums if I already have autopay set up?

Yes, Social Security will automatically deduct your Medicare Part B premium from your monthly benefit once your retirement benefits begin. You should contact your bank or Medicare directly to cancel the automatic payment from your checking account. SSA doesn't handle that part for you, and they won't know you have autopay set up. I went through this last year and ended up with a double payment for one month because I didn't cancel my autopay soon enough.

congrats on retirement! this happened to my mom last year too. double paid for 2 months before she noticed!! make sure u cancel that autopay asap. SS doesn't talk to your bank lol

I'd recommend calling Medicare directly at 1-800-MEDICARE to inform them you'll be receiving Social Security benefits soon and want to switch to having your premiums deducted from your SS payment. They can help coordinate the timing so there's no gap or overlap. For your planning purposes: SSA will deduct your Medicare premium for the current month from your current month's benefit payment (unlike the autopay which typically pays the current month's premium in advance). This timing difference can sometimes cause confusion during the transition.

THE SSA DOESN'T COMMUNICATE WITH BANKS AT ALL!!!! I ended up paying Medicare TWICE for THREE MONTHS because nobody bothered to tell me I needed to cancel my autopay! Then it took me FIVE CALLS to Medicare to get my money back. They are completely disorganized and don't care about seniors on fixed incomes!!!

I had this exact issue last year and was so frustrated trying to get through to Medicare about the double payments. After spending hours on hold, I found a service called Claimyr (claimyr.com) that got me through to an actual Medicare representative in under 5 minutes. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU - totally worth it to resolve the autopay issue quickly. The rep I spoke with was able to issue a refund for my double payment and confirm when I should cancel my bank autopay.

my mom had same problem but with medicaid not medicare so maybe different for you. good luck with retirement!!

Just went through this in January. Here's exactly what you need to do: 1. Call Medicare first (not SSA) - tell them your benefits start date 2. Ask Medicare which month will be the first one SSA will deduct 3. Cancel your autopay to end the month BEFORE that first SSA deduction 4. Check your bank account AND your mySSA account after the first payment Don't just assume it'll happen automatically. I learned this the hard way!

my uncle says medicare gave him a refund after like 6 months of complaining so dont worry too much if u mess up they eventually fix it

Update: I called Medicare this morning and got it all sorted out! They confirmed my SS benefits start in May, and SS will begin deducting my Medicare premium from my May payment. I need to keep my autopay active for April's premium, then cancel it by April 25th to prevent a double payment in May. Thank you everyone for your helpful advice!

Congratulations on getting this resolved so quickly! Your experience is a perfect example of why it's so important to be proactive about these transitions. For anyone else reading this thread - Caden's approach of calling Medicare directly before the benefits start is exactly the right way to handle this. It's much easier to prevent double payments than to deal with refunds later. Thanks for sharing your update!

This is such valuable information for anyone approaching this transition! I'm 65 and will be starting Medicare next year, then filing for Social Security at 67. Reading through this thread has given me a clear roadmap of what to expect and how to handle the premium payment switchover. It's really helpful to see the step-by-step process and know that calling Medicare directly is the key. I'm bookmarking this thread for when I need it in a couple years. Thanks to everyone who shared their experiences - both the success stories and the cautionary tales about double payments!

This whole thread is incredibly helpful! I'm 66 and planning to file for Social Security in a few months, but I've been putting off dealing with the Medicare premium situation because it seemed so complicated. Reading through everyone's experiences - especially Caden's successful resolution - has given me the confidence to tackle this proactively. I love how this community shares real-world solutions and looks out for each other. It's so much better than trying to navigate government websites alone! I'm definitely going to call Medicare next week to get my timeline sorted out before my benefits start.

What a fantastic thread! As someone who works with seniors navigating Social Security and Medicare, I see this confusion all the time. Caden, you handled this perfectly by calling Medicare proactively. For anyone else in this situation, I'd add one more tip: when you call Medicare, ask them to send you written confirmation of the effective date for the premium deduction switch. Having that documentation can be helpful if any issues arise later. Also, keep in mind that if you have Medicare Supplement insurance or Part D prescription coverage, those premiums will continue to be billed separately - only your Part B premium gets deducted from Social Security. Thanks to everyone for sharing such practical advice!

I'm so grateful for this detailed thread! I'm 64 and will be eligible for Medicare next year, then planning to file for Social Security at my full retirement age of 67. This conversation has been incredibly enlightening - I had no idea that SSA and Medicare don't automatically communicate about payment methods. The step-by-step advice from everyone, especially Caden's successful experience and the professional insights from Giovanni, has given me a clear action plan. I'm definitely going to bookmark this and follow the same approach when my time comes: call Medicare directly before benefits start, get written confirmation of the switch date, and carefully time the autopay cancellation. It's amazing how much peace of mind comes from seeing others navigate this successfully. Thank you all for sharing your knowledge and looking out for fellow community members!

This is such a comprehensive and helpful thread! I'm 62 and still have a few years before I need to deal with this transition, but reading through everyone's experiences has already saved me from what could have been a very stressful and costly mistake. The key takeaways I'm getting are: 1) Call Medicare directly before your SS benefits start, 2) Get written confirmation of the switch timeline, 3) Carefully time your autopay cancellation, and 4) Monitor both accounts during the transition. It's incredible how much real-world wisdom is packed into this discussion. Caden, thanks for sharing your successful resolution, and to everyone else who shared their experiences - both positive and cautionary. This is exactly the kind of practical guidance that makes navigating these government programs so much easier!

This thread has been incredibly valuable! I'm 66 and just enrolled in Medicare Part B last month, planning to file for Social Security in about 6 months. Reading through everyone's experiences has been eye-opening - I had absolutely no idea that SSA doesn't automatically coordinate with your existing Medicare autopay arrangements. The detailed steps that Caden followed and the professional advice from Giovanni have given me a clear roadmap. I'm especially grateful for the tip about getting written confirmation from Medicare about the switch timeline. It's reassuring to see that when handled proactively, this transition can go smoothly. I'll definitely be calling Medicare well before my SS benefits start to avoid any double payment issues. Thank you all for sharing your real-world experiences and creating such a helpful resource for those of us navigating these transitions!

I'm 65 and will be starting Social Security in about a year, but I'm already on Medicare with autopay set up. This entire thread has been incredibly educational - I had no clue that SSA and Medicare don't communicate about payment arrangements! The systematic approach everyone has outlined here (especially calling Medicare 1-2 months before benefits start, getting written confirmation, and carefully timing the autopay cancellation) seems like the gold standard for handling this transition. What strikes me most is how many people experienced double payments because they weren't aware of this disconnect between the systems. I'm definitely going to follow Caden's successful playbook and call Medicare well in advance when my time comes. Thank you everyone for sharing these real-world experiences - this is exactly the kind of practical guidance that can save someone both money and stress during an already complex life transition!

Welcome to the community! As a newcomer, I'm really impressed by how thorough and helpful this discussion has been. Reading through everyone's experiences with the Medicare premium/Social Security transition has been incredibly educational. It's clear that calling Medicare directly before your SS benefits start is the key to avoiding double payments. The step-by-step approach that Caden followed - calling Medicare, getting the timeline, timing the autopay cancellation carefully - seems like the perfect blueprint for anyone facing this transition. I'm bookmarking this thread because even though I won't need this information for a few years, the real-world advice shared here is invaluable. Thank you to everyone who took the time to share their experiences, both the successes and the cautionary tales. This is exactly the kind of community support that makes navigating these complex government systems so much more manageable!

As a newcomer to this community, I'm absolutely amazed by the wealth of practical knowledge shared in this thread! Reading through everyone's experiences with the Medicare premium/Social Security transition has been incredibly eye-opening. I had no idea that SSA and Medicare don't automatically communicate about payment arrangements - that seems like such a basic coordination issue that you'd expect the government to have figured out by now! The step-by-step approach that emerged from this discussion (calling Medicare 1-2 months before SS benefits start, getting written confirmation of the switch timeline, carefully timing autopay cancellation, and monitoring both accounts during transition) is pure gold. Caden's proactive approach and successful resolution really demonstrates how much smoother things go when you plan ahead rather than just hoping the systems work together automatically. I'm bookmarking this entire thread as a reference guide - even though I won't need this information for several years, the real-world experiences shared here are far more valuable than anything I could find on official government websites. Thank you to everyone who took the time to share both your successes and cautionary tales. This is exactly the kind of community support that makes navigating complex bureaucratic transitions so much more manageable!