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Medicare Premiums Paperless Billing


Medicare has been improving its paperless billing options, and you can now choose to receive your Medicare Summary Notices and the “Medicare & You” handbook electronically. If you pay your own Part B premiums because you aren’t yet on Social Security, you can arrange automatic payments. Paperless options for Medicare Advantage, Part D plans, and Medigap plans vary depending on which insurance company issues the policy.

How Do I Go Paperless With Medicare?

Medicare traditionally sends its handbooks and notices through the mail. If you’re happy with that, you can continue to receive those materials the same way you always have. But if you prefer a paperless option, Medicare offers a variety of online resources to help you understand Medicare and keep track of your claims. To access Medicare online, sign up for a free account at MyMedicare.

Once you’ve set up your account, there are three major resources you can take advantage of:

  1. eMSN
  2. Medicare & You
  3. Automatic premium payments

Electronic Medicare Summary Notices (eMSN’s)

Instead of receiving notices in the mail every three months, you can opt for a monthly email with a secure link to your eMSN. The monthly eMSN makes it easier to track claims, deductibles, and costs. Because it comes out more frequently than the paper statement, the eMSN helps you catch billing mistakes quickly and prevent fraud.

Online Medicare & You Handbook

The Medicare & You handbook is a thick volume that arrives in your mailbox once a year. But with MyMedicare you can now choose to receive the electronic version of the handbook instead.

The electronic version has a few advantages over the paper one:

  • It’s less bulky to store.
  • Information is more current because it is updated throughout the year. The paper version is only updated once a year.
  • You can access the electronic version on a mobile device wherever you are.

Medicare publications are also available as eBooks that you can read on your Kindle, phone, or other e-readers. Even out-of-print publications are sometimes available as ebooks. Medicare eBooks make paperless billing possible.

Automatic Premiums Payments for Medicare

Medicare charges a monthly premium for Part B. In addition, if your income is more than a certain amount and you have a prescription drug plan, you may pay a Part D income-related monthly adjustment amount (Part D-IRMAA). People who don’t sign up for Medicare when they are first eligible may pay late enrollment penalties.

If you receive Social Security or Railroad Retirement Board benefits, these premiums, adjustments, and penalties are automatically deducted from your Social Security check every month – there is no other option.

Those receiving Social Security or Railroad Retirement benefits get a billing statement in the mail every month. You can’t currently opt-out of these paper statements.

There are two ways to automate your premium payments:

  1. Medicare Easy Pay. This free service will automatically deduct your premium from your checking or savings account each month. To set it up, you must mail an authorization form to Medicare. Processing your form can take six to eight weeks.
  2. Through your bank. Use your bank’s online bill payment service to have your premium paid automatically on the date you choose.

Automatic payments are optional — you can still pay your Medicare premiums by mailing in a check, money order, or credit card information.

Paperless Billing for Medigap, Part D, and Medicare Advantage

Medicare Supplements, Part D prescription plans, and Advantage plans are offered through private insurance companies rather than the federal government. Each insurance company has its own system for automatic payments and electronic access to benefit statements and information about plan rules and benefits.
In many cases, you can have your other Medicare premiums deducted automatically from your Social Security payment.

Other paperless options may include:

  • Paperless billing and automatic deductions through your insurance carrier
  • Electronic premium payments through your bank
  • Online access to benefit statements and information about claims and deductibles
  • Online access to information about your plan and wellness information

There are more paperless options for managing your Medicare benefits than ever before. When setting up paperless billing and automatic payments; be aware that it maybe a couple of months before the automatic deductions start.

MedicareFAQ helps you understand your Medicare coverage and get the best rates on Medicare policies. Fill out an online rate form or call us to get started with a free side by side comparison of all your Medicare options.

Lindsay Engle

Lindsay Engle is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.

12 thoughts on “Medicare Premiums Paperless Billing

  1. Hello:
    I too am trying to get my Medicare Premium Bill paperless.
    You are directing us to request this through Mymedicare.gov, however, the account settings on that site only allows you to go paperless for the yearly handbook and eMSNs (Electronic Medicare Summary Notices)
    There is no functionality to select paperless for Medicare Premium Bills.
    Any idea for how to go paperless on Medicare Premium Bills?

      1. Lindsay….

        Although the payments are made via Medicare Easy Pay – there is *still* a monthly statement (This Is Not a Bill) delivered via USPS to the mailing address. This wastes $$$ (postage, paper, printing, etc.)

        The question is – with everything else that can be received “paperless” from Medicare – how can the monthly (This Is Not a Bill) statements be delivered electronically and not physically via USPS mail?

      2. Hi, Skip! You should be able to select electronic delivery via email for the monthly statements through your MyMedicare account. This option would be in a separate area outside where you set up easy pay.

  2. I have set up all my Medicare premiums(including supplements) to be auto pay. However I continue to receive a statement from Medicare that states “ This is not a bill”. How do I eliminate that statement?

  3. I want to pay my Medicare part B on line and get the Bill on line as well. I notice it fluctuates by a few dollars each time so I can’t set up automatic payments through my checking account. Why is it that we can’t receive our bills on line?

    1. Hi Jill! So, your Part B premium should not fluctuate from month to month. I would call Medicare directly to get this issue resolved. I would probably set up the automatic payment through your MyMedicare account vs through your online banking. That way, Medicare debits your account directly.

  4. Why do I have to get a paper bill in the mail for my Medicare premium? This is the 21st century. I don’t want autopay just a paperless bill. Will I always have to get a paper bill?

    1. Hi Jay! Automatic payments are optional — you can sign up for a monthly eMSNs and still pay your Medicare premiums by mailing in a check, money order or credit card information.

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