You’re probably wondering how to pay your premiums. Most people do not have to pay a premium for Part A. If you’re not collecting Social Security, then you’ll have to pay your Part B premium yourself.
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For those who get Social Security, automatic deduction occurs. If you receive Railroad Retirement Benefits or Civil Service benefits, your premium is an automatic deduction. They may require you to pay a bill.
If you’re entitled to Civil Service benefits but not Social Security benefits, you can choose to have your premium deducted from your Civil Service Annuity. You can also sign up for Medicare Easy Pay, which we’ll explain below.
Listen to this Podcast Episode Now!How to Sign Up for Medicare Easy Pay
Sign up for Medicare Easy Pay. The setup is easy.
Mail a completed Authorization Agreement for Pre-authorized Payments form [PDF, 117 KB] (SF-5510) to:
Medicare Premium Collection Center
P.O. Box 790355
St. Louis, MO 63179-0355
This free service will automatically deduct your premium payments from your checking or savings account each month.
Anyone who received a bill from Medicare for their premiums is eligible for Medicare Easy Pay.
They usually deduct the premium from the bank on the 20th of the month.
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How to Pay Medicare Directly From Your Bank Account
Pay the bill directly from your bank account through your bank’s online bill payment service. To set this up, call your bank or go to their website.
How to Pay Medicare By Check
You can also pay by check or money order by mailing your Medicare payment coupon and payment to Medicare.
How to Pay Medicare By Debit or Credit Card
Pay by debit or credit card by completing the bottom portion of the payment coupon on your Medicare bill, and sign it. You’ll need to provide the account information as it appears on your debit or credit card and the expiration date.
If your credit card has only the month and year for the expiration date, leave the day field blank. Mail your payments to the address above.
Can You Pay Medicare Online with a Credit Card?
Yes, you can pay online through your Medicare account. You even have the option to pay with a debit or credit card. Also, you have the option to pay from a checking or savings account.
What Type of Bills Will Medicare Send?
On the “Bill” statement, if the box in the upper right corner says, “This is not a bill,” then your premium amount will be automatically deducted from your bank account each month. You don’t need to do anything.
If the box says, “First Bill,” then this is your very first bill, or you have paid your last bill in full. You need to send in a payment for the total amount shown by the 25th. (Medicare premiums are due by the 25th of the month)
If the billing date on the first bill is February 27th, send in payment by March 25th. If the box says, “Second Bill,” Medicare didn’t get dues by the date shown on the first bill. You need to send in money for the total amount shown.
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If the box says “Delinquent Bill,” Medicare didn’t get the payment by the due date shown on the second bill. You need to send in a check, so you don’t lose your Medicare coverage.
If you have questions about your bill or the status of your coverage, you can call Social Security.
Your Bill from the Railroad Retirement Board
If you are getting billed from the RRB, the payment options explained on this page do not apply to you. Your or your bank must mail your premium payments to:
RRB, Medicare Premium Payments
P.O. Box 979024
St. Louis, MO 63197-9000
What is the Medicare Premium Collection Center?
If you pay Part A, B, or D premiums; then, you have a “Medicare Premium Bill.” The bill covers next month’s coverage and additional months if you elect quarterly payments.
Those who pay a late enrollment penalty have a Medicare Premium Bill. Medicare sends this bill around the 10th of the month.
When you don’t pay a month, you receive a bill with two monthly billing statements. You must pay your premium to avoid a policy lapse. A policy lapse due to non-payment you may not be able to enroll in new coverage until the following the Annual Enrollment Period.
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How to Sign Up for Automatic Medicare Payments
Now that you're signed up for Medicare, with easy pay set up, consider looking into supplemental plans that can help lower your costs. Most supplemental Medicare plans have an automatic payment option and even offer a discount when selecting this payment option. If you need help navigating your supplemental Medicare options, give us a call. Our services are 100% free, with no obligation, and you'll receive unlimited support from our Client Care Team. You can also see what options are in your area using our quoting tool.
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I have been paying my medicare bill by medicare easy pay, but will start receiving social security benefits on Dec. 14th, 2022. Do I have to cancel medicare easy pay? or will they just automatically switch over and come out of my social security benefits? Thanks!
It should automatically come out of your SOcial Security check once you begin receiving benefits. However, it could take up to two billing cycles before the switch is made.
Hi Lindsay, I signed up for EasyPay for my medicare Part A and Part B that started on July 1st. Then, I applied for my SS retirement and I will start receiving monthly benefit in October and my medicare premium will be deducted from my monthly SS benefit. My question: do I have to cancel my EasyPay or will it be automatically cancelled as Social Security will start deducting my premium from my monthly benefit. Thank you much.
Hi Miriam! I would cancel your Easy Pay once you see the premium is deducted from your Social Security check. I would not wait to see if it’s automatically canceled.
How do you cancel easy pay? My bank says it would be a stop payment fee? On Medicare.gov there is no place to do this once they say they’ll take it out of you ss check… any help would greatly be appreciated.
Kathy, if you cancel easy pay, you have the option to have your premium taken out of your social security check or sent as a monthly bill through the mail. Any stop payment fees would be assessed by your bank directly, not Medicare.
Hi Lindsay,
I was about to sign up for Medicare Easy Pay by having my Part D premium deducted from my checking account. However, I stopped the process because I do have to pay Part B premium, but this is already deducted from my State Teachers’ Retirement System(STRS). I only want to use Medicare Easy pay to deduct my Premium Part D that is $12.30. The form doesn’t ask the question about what premium is to be deducted. So I am confused. If I complete the form and start the easy pay, does this mean I will also be paying a second time for Part B premium? Thank-you for your time and attention, Joseph Ennes
Hi Joseph! Easy pay is only for Part A & Part B of Medicare. Part D is offered by private insurance companies. You will pay them the premium directly, not Medicare. I hope this helps!
I have been paying my Medicare premiums out of pocket via Medicare Easy Pay, and it has worked well. However, I am changing my financial institution. How do I change Medicare Easy Pay? Do I just fill out a new Easy Pay application, or do you need a new voided check and cover letter?
Hi Anna! You might be able to update your financial institution in your Medicare account online. If not, then yes I would send in another Easy Pay application so they can update your information.
When you report someone’s death to Social Security, is Medicare Easy Pay by the decedent automatically discontinued, or do you have to separately contact Medicare to request cancellation of their Easy Pay.
Hi Joachim! Easy Pay should be discontinued once you report a death to Social Security. If the withdrawal date is close, you could play it safe and call Medicare to make sure the money doesn’t get withdrawn.
My easypay transaction was not sent to my bank on the 20th August. Why! I paid the initial 3 months by check. Amount $144.60 per month. Thank you! I am in a panic over this. I need them to take this payment from my checking.
Hi April! If you completed the authorization agreement I would call Medicare directly to get this issue resolved. You may be able to see your billing status in your MyMedicare dashboard.
What is the “agency account identification number? And the “type of payment”? Very unclear, with no explanation. Agency, type–what are they?
Hi Frederick! Your agency account identification number is your 11-character Medicare number from your Medicare card. Your type of payment is Medicare premiums. I hope this helps!
Do I need to fill out the.”Financial Institution Name”, “Street Address”, and “City/State” on the Financial Institution Information part of the Authorization Agreement form, or leave those blank? The instructions were clear except for those items.
Hi Bill! Yes, it’s just your bank name and you can put the address to your local bank or the address of their headquarters. I hope this helps!
Why am I being billed for three months in advance? You talk about monthly payments being deducted but yet I receive a bill on 7/11/19 due on 7/25/19 for $406.50. Date of the bill was 6/27/19. Why was I not given an option to sign up for Easy Pay earlier?
Hi Jacquelyn! If you’re not collecting social security or railroad retirement benefits, then Medicare may bill you monthly or quarterly for your premiums. Make sure to send in the payment for the total amount due by the 25th of the month. Medicare must get your payment by the 25th of the month or it’s considered late. Since the bill date is 6/27/19, these premiums are due on 7/25/19. The premiums should be for August, September, and October. Medicare does not automatically enroll you in Easy Pay.