How Can I Set up Payment Methods for My Medicare Premiums?
Most Medicare beneficiaries pay a monthly premium for Medicare Part B (medical insurance).
- If you receive Social Security, Railroad Retirement Board (RRB), or civil service benefits, the premium is typically deducted from your benefit payment.
- If you don’t receive the retirement payments listed above, you may be billed for the cost of your premium.
Some beneficiaries also pay a monthly premium for Medicare Part A (hospital insurance).
- If you did not qualify for premium-free Medicare Part A, you have to pay a monthly premium. You qualify for premium-free Part A if you worked at least 10 years (40 quarters) while paying Medicare taxes.
You may pay for Medicare premiums in the following ways:
Online, through your bank
Contact your bank, or go to your bank’s website, to set up automatic payment. Here’s the payee information you’ll need:
- Your Medicare account number — it’s on your red, white, and blue Medicare card. Don’t enter the dashes when you enter this number.
- The payee name: CMS Medicare Insurance
- The remittance address: Medicare Premium Collection Center, P.O. Box 790355, St. Louis, MO 63179-0355
- The premium amount
Note: If your Medicare premium bill comes from the Railroad Retirement Board (RRB), or if you receive Civil Service benefits, see the information at the end of this article.
By credit or debit card
- Refer to the bottom portion of your Medicare bill and complete the instructions for paying by credit or debit card.
- You’ll need your credit or debit card handy so you can fill in the account number and other information.
- Mail your payment to the address above, unless you receive your retirement benefits from the RRB or Civil Service; in these cases, see the information at the end of this article.
Through Medicare Easy Pay
- Sign up for Medicare Easy Pay, which is a free, electronic payment option that automatically deducts premium payments from your savings or checking account each month it is due. To sign up, go to Medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY users, call 1-877-486-2048). Representatives are available 24 hours a day, seven days a week.
- Mail your check or money order to Medicare at Medicare Premium Collection Center, P.O. Box 790355, St. Louis, MO 63179-0355. Follow the instructions in your Medicare premium bill and mail your payment to the address listed in the form.
Note: If your Medicare premium bill comes from the Railroad Retirement Board, or if you receive Civil Service benefits, see the information at the end of this article.
If your Medicare bill comes from the RRB
The payee’s mailing address is: Railroad Retirement Board, Medicare Premium Payments, P.O. Box 979024, St. Louis, MO 63197-9000.
If you receive Civil Service retiree benefits
If you’re a Civil Service retiree and not eligible for Social Security benefits, do either of the following:
- Contact the Center for Medicare & Medicaid Services (CMS) at the following email address:
- Call Medicare at 1-800-MEDICARE (1-800-633-4227; TTY users, call 1-877-486-2048). Representatives are available 24 hours a day, seven days a week.
If you need help paying your Medicare premium payments, see Medicare Savings Programs: Getting Help with Medicare Costs.