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I joined a Medicare Advantage plan with a Part B premium "Giveback" or rebate, so when should I start receiving my Part B premium rebate?

Category: Paying Your Premiums
Updated: Jul, 09 2023

Within 3 months after your new coverage starts.  Although Medicare Advantage plan coverage changes each year, some Medicare plans are able to "give back" a portion of your Medicare Part B premium ($164.90* in 2023) back to you as part of your monthly Social Security check.

(* 01/14/2022 update - The 2022 Medicare Part B premium increase was significant in part due to the possible cost related to the new Alzheimer’s drug, "Aduhelm".  However, according to some researchers, with the possible decrease in the estimated cost to Medicare, the 2022 Part B premium may be reduced. As a note, the 2023 Part B premium was reduced to reflect the overage that had been added to the 2022 premium.)

For example, the 2023 WellCare Giveback (HMO) (available to residents of Brevard county, Florida) provided a $95 rebate or dividend toward your Medicare Part B premium (or a Part B "give back").

However, due to the application processing time needed when you first enroll into a "dividend" or "give back" Medicare Advantage plan, it may take the Social Security Administration up to 3-months before you see the Part B premium rebates or refunds in your Social Security check (see below if you do not yet receive a SS benefit check) .

If there is a delay in your monthly rebate payment, you will see that three-months (or whatever time has elapsed) of Medicare Part B premiums will be included at one time in your Social Security check.  For example, let's say you enrolled in the 2023 WellCare Giveback (HMO) (this 2023 plan has a $95 Part B giveback) - and after paying your Medicare Part B premiums in January, February, and March, you would see a total of $285 (or 3 * $95) returned in your Social Security check.

Then, after the first Medicare Part B premium rebate payment, your monthly Social Security checks should show a regular increase reflecting the monthly Medicare Part B premium give back.

Please read the Medicare plan coverage details carefully each year as some plans found in the same area (or county) may not rebate any portion of the Medicare Part B premiums year-to-year or rebate only a smaller portion of the monthly Medicare Part B premium.  (You can look in your plan's Summary of Benefits, Evidence of Coverage, or Annual Notice of Change document - or call the Medicare Advantage plan for more information.)

Practical note:  Please remember a "dividend" or "Part B giveback" Medicare Advantage plans rebating back a portion of your Part B to you is only available in certain areas of the country.

Usually you will find $0 premium "Part B giveback" plans in counties of the Unites States densely populated by seniors (or other Medicare beneficiaries).  You may also find that the same-named Medicare Advantage plan in another county will rebate a higher Medicare Part B premium amount or offer a lower Part B premium rebate.

In our past examples above, the 2023 WellCare Giveback (HMO) is available only to residents of Brevard County, Florida and provides a $95 rebate toward your 2023 Medicare Part B premium (or a Part B premium reduction of $95).  However, if you live further north in St. Johns County, Florida, you will find the same named 2023 WellCare Giveback (HMO), but the Part B "giveback" or premium reduction is $90 for St. Johns' county residents - instead of the $95 as found in Brevard County.

Question:  How will I get my Part B rebate or "give back" if I do not collect Social Security benefits?

Your Medicare Part B refund, give-back, or "Dividend" repayment depends on how your Medicare Part B premium is paid: whether premiums are withheld from your Social Security check or whether you pay Part B premiums directly.  As you may find something noted in your Medicare Advantage plan literature such as:
"For 202[x], [Your Medicare plan] will reduce your monthly Medicare Part B Premium by [$xx.00]. The reduction is set up by Medicare and administered through the Social Security Administration (SSA). Depending on how you pay your Medicare Part B premium, your reduction may be credited to your Social Security check or credited on your Medicare Part B premium statement. Reductions may take several months to be issued; however, you will receive a full credit."
So if you pay your Part B premium directly (not by automatic Social Security check deduction), you will see that your Part B premium statement has been updated with the rebate or "give back" amount credited to what you owe.

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