Medicare Advantage Plans

How to Pay Your Premium

If you choose a plan with a monthly premium, you may have three options for paying it. Choose the one that works best for you.

  • Automatic deduction from Social Security or Railroad Retirement Board (RRB) benefit check1 - You can choose to have your monthly premium payments automatically deducted from your Social Security or RRB benefit check. Automatic deduction from your Social Security/RRB benefit check is easy and convenient.
  • Automatic deduction from checking account - You can choose to have your monthly premium payments automatically deducted from your checking account using the Electronic Funds Transfer (EFT) process. EFT is safe, convenient and saves you money on postage.
  • Coupon payment book – You can write a check, enclose it in an envelope with the payment coupon provided to you and drop it in the mail. You can also choose to make one annual payment instead of smaller monthly payments.

Note: Whatever payment option you choose (coupon, Electronic Funds Transfer (EFT) or Social Security/RRB check withholding) will apply to your entire premium. In other words—you cannot pay part of the premium with a benefit check and part with a personal check or automatic withdrawal.

1If you are receiving help from a plan sponsor (former employer, union or trust administrator) or State Pharmaceutical Assistance Program (SPAP) you have the right to elect automatic deductions from your Social Security/RRB benefit check. However, it is important that you know that Social Security or RRB does not know if you have other coverage that pays part of your premium, even when the other coverage is paying part of your premium to your prescription drug plan. If you choose to have your payments automatically deducted from your Social Security or RRB benefit check, the deductions for the premiums will be higher than they should be. Your Prescription Drug Plan will need to give you a refund for the premium amount paid by your other coverage. You may experience delays in obtaining a refund for the excess amounts.

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