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Most people get Medicare Part A for free if they’ve worked at least 10 years (40 quarters) and paid Medicare taxes; otherwise, you can purchase Part A and pay a monthly premium for it, which will vary depending on your work history and the number of employment quarters you have. If you do not qualify for premium-free Medicare Part A and you choose to buy Part A, then you will be charged for your premium, also known as a “Notice of Medicare Premium Payment Due.” You may get a bill, or it may be deducted from your monthly benefits as described below.
Medicare Part B comes with a monthly premium unless you qualify for financial assistance. If you get help with Medicare costs through a state Medicaid program, such as a Medicare Savings Program, then your Medicare premiums may be paid for by the state. However, if you don’t qualify for Medicaid and enroll in Medicare Part B, you may receive a bill for your Medicare premiums, or it may be automatically deducted from your monthly benefits as described below.
If you receive benefits from the Social Security Administration, the Railroad Retirement Board, or the Civil Service, then your Medicare premiums will be deducted from your monthly benefit payment. Otherwise, you have several options when it comes to paying your Medicare premiums, including automated payments from a bank account or mailing a check or credit card payment to the Medicare Premium Collection Center. For more information, see this article on how to pay your Medicare premiums.
You may have to pay an additional premium if you’re enrolled in a Medicare Prescription Drug Plan, Medicare Supplement (Medigap) plan, or Medicare Advantage plan. In this case, your Medicare plan will send you a bill for your premium, and you’ll send the payment to your plan, not the Medicare program. Some Medicare Advantage plans may offer premiums as low as $0. However, remember that regardless of whether you owe a premium for your Medicare plan, you’ll need to keep paying your Medicare Part B premium.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.