January 18, 2022

Why is a Medicare premium deducted from my Social Security?

Dear Rusty: My wife and I have a Medicare Advantage Plan and we do not use Medicare for our claims. However, we still have the Medicare premium that is deducted from our Social Security checks. Is this correct? Signed: Curious

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Dear Question: If you choose to take outpatient Medicare coverage after age 65, you will have to pay that Part B premium even if you decide to purchase a Medicare Advantage plan instead of “original Medicare” to manage your healthcare claims.

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Medicare Advantage plans (often referred to as Medicare “Part C”) are health care plans offered by private insurers that will manage your health care claims rather than by the federal government. But you can’t get a Medicare Advantage plan without first being enrolled in Medicare Part A (inpatient hospitalization coverage) and Part B (outpatient services coverage) and paying the associated Part B (and perhaps Part A) premium.

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