You can pay Medicare Part A and Part B premiums online through your Medicare.gov account, by Medicare Easy Pay, via your bank’s bill pay, or by mailing the CMS‑500 coupon, with payments generally due on the 25th of each month.
Online Payments at Medicare.gov
- Sign in at your secure Medicare account: https://www.medicare.gov/account/login/.
- On the dashboard, select “Pay my premium” (on the homepage or under My premiums).
- Choose a payment method:
- Credit/debit card: Visa, Mastercard, American Express, Discover.
- Checking/savings account (ACH).
- Health Savings Account (HSA) card (if allowed by your HSA).
- You are routed to the U.S. Treasury’s secure Pay.gov system to complete the transaction.
Medicare Easy Pay (Automatic Draft)
https://www.medicare.gov/basics/costs/pay-premiums/medicare-easy-pay
- Medicare Easy Pay is a free service that automatically deducts your premium from your checking or savings account each month.
- How to enroll:
- Sign in to your Medicare.gov account and follow the Easy Pay sign‑up instructions, or
- Fill out and mail form SF‑5510 (Authorization Agreement for Preauthorized Payments) per the instructions on Medicare.gov.
Once approved, premiums are withdrawn automatically each month; check your CMS‑500 or online account to confirm when Easy Pay is active.
Paying Through Your Bank’s Online Bill Pay
You can also use your own bank’s online bill pay service:
- Payee name:
CMS Medicare Insurance. - Account number: Your Medicare Number (exactly as it appears on your Medicare card).
- Address: Use the remit/billing address on your CMS‑500 bill if your bank requires one.
This is separate from Medicare Easy Pay; you control the amount and timing through your bank.
Paying by Mail (CMS‑500)
If you receive a paper bill (CMS‑500):
- Tear off the payment coupon at the bottom of the CMS‑500.
- Send a check or money order payable to the name shown on the bill; you may also fill in your credit/debit card details on the coupon if that option appears on your statement.
- Mail to the address listed in the “Send payment to” section of your CMS‑500; write your Medicare Number on your check or money order.
Deadlines, Late Payments, and Help
- Due date: Medicare premiums are generally due by the 25th of the month, as shown on your CMS‑500.
- Late payments: Repeatedly missing payments can result in termination of Medicare coverage, so it is important to pay by the listed due date or set up Easy Pay or bank bill pay to avoid lapses.
- Billing questions: Call 1‑800‑MEDICARE (1‑800‑633‑4227) for help with bills, payment status, or coverage questions.
FAQs
1. Where do I go to pay my Medicare premium online?
Sign in to your secure Medicare account at medicare.gov/account/login, then select “Pay my premium” and follow the prompts to pay through the U.S. Treasury’s Pay.gov system.
2. What payment methods can I use on Medicare.gov?
Online you can pay with a credit or debit card (Visa, Mastercard, American Express, Discover), a checking or savings account, or an HSA card if your HSA allows premium payments.
3. What is Medicare Easy Pay and how do I enroll?
Medicare Easy Pay is a free automatic draft that pulls your premiums from your bank account each month; you enroll by logging into your Medicare.gov account or mailing form SF‑5510 as instructed on Medicare’s payment page.
4. Can I pay my Medicare bill through my bank’s bill pay?
Yes. Set up a payee called “CMS Medicare Insurance” in your bank’s bill pay, use your Medicare Number as the account number, and use the remit address on your CMS‑500 bill if needed.
5. When are Medicare premiums due?
Medicare bills (CMS‑500) generally show a due date on or around the 25th of the month for that billing period.
6. What happens if I pay late or miss a payment?
If you repeatedly miss payments, Medicare can terminate your coverage after required notices; to avoid this, pay by the due date or use Easy Pay or timely bank bill pay.
7. How do I pay my bill by mail?
Tear off the payment coupon from your CMS‑500, send it with a check or money order (or card info if allowed) to the “Send payment to” address on your bill, and include your Medicare Number on the check.
8. Who do I call if I have questions about my Medicare bill or a payment?
Call 1‑800‑MEDICARE (1‑800‑633‑4227) for help with billing questions, premium amounts, or payment problems.