Do any Medicare Advantage plans refund or "Giveback" a portion of my Medicare Part B premium?

Yes - but only some plans in certain areas.  Medicare Advantage plans can change benefits or coverage each year, and depending on the estimated cost allocated for each Medicare Advantage plan member, some $0 premium Medicare Advantage plans are able to rebate all or a portion of your Medicare Part B premium back to you as part of your monthly Social Security check (up to $174.70 in 2025 - or more). The quickest way to see all giveback plans is to use a quick link such as MA-Finder.com/giveback/32084. You can change the ZIP code to your zip to see all plans in your area that offer a Part B premium Giveback.

The availability of Part B "Giveback" Medicare Advantage plans has been increasing over the past years and in 2025, over 3,000 counties (or ZIP code areas) include at least one Medicare Advantage plan with a Part B premium “Giveback” with the amount of the rebate ranging from $0.10 up to $174.70.

In comparison, in 2021, about 2,600 counties (or ZIP code areas) include at least one Medicare Advantage plan with a Part B “Give Back” or refund (equating to about 9,500 unique plan/county combinations of different 2021 Medicare Advantage plans) with the amount of the give-backs ranging from $0.10 up to $144.60.


Reminders about the availability of Medicare Advantage "Giveback" plans: 

• Plans can vary ZIP-to-ZIP - Even with the same-named Medicare Advantage plan, your Part B give back will depend on where you live.  This means that you may find that the same-named Medicare Advantage plan in one county (or ZIP) will rebate a higher amount of the Medicare Part B premium or offer no Part B premium rebate at all.
  
  For example, if you enroll in the 2025 WellCare Giveback (HMO) as a residents of Brevard County, Florida, you will receive a $132 rebate toward your 2025 Medicare Part B premium (or a Part B premium reduction of $132).  However, if you live further north in St. Johns County, Florida, you will find the same named 2025 WellCare Giveback (HMO), but the Part B "give back" or premium reduction is $116 instead of the $132 as found in Brevard County.
  
  
• Plans can vary year-to-year - A Medicare Advantage plan located in a specific county may keep the same Part B rebate year-to-year or change the amount of the rebate.  For example, some plans give back the full Part B premium.

Question:  How to find a Part B Giveback Medicare Advantage plan in my area?

Our Medicare Advantage Plan Finder "Giveback Filter" Our Medicare Advantage Plan Finder (MA-Finder.com/Giveback/32903) shows all Medicare Advantage plans across the country and includes the Medicare Part B premium rebate information for all participating Medicare Advantage plans.

To help you review any Medicare plans in your area with a "Part B Giveback", we have added a "filter" to our Medicare Advantage plan search fields so that you can select "Part B Giveback plans" - and you can also select: "Display Medicare Part B Giveback Amount" in the "Additional Info" or right column of the search results chart -- or you can just use the shortcut link by change the ZIP code to your ZIP code (MA-Finder.com/Giveback/32903).

Once you have chosen the Give Back filter and selected the "Display Medicare Part B Giveback Amount" from the "Additional Info" box, you can see the "Giveback Amount" in the right column (graphics below show 2021 data MA-Finder.com/giveback/2021/32903).



Then once you choose a Medicare Advantage plan, you can click on the plan name to review the plan coverage benefits and see more information on plan coverage, including the Medicare Part B Giveback amount. such as "Part B premium reduction:... $95".



Should you need more information, we include (at the top of the page) the plan's toll-free Member Services number so you can telephone the plan and speak with a representative about the plan.

To get you started, you can click here to see a Brevard County, Florida example of the 2025 WellCare Giveback (HMO) plan that has a $0 premium, $420 drug deductible, $0 copay for some generics – and “gives back” $132 of your Medicare Part B premium each month (or a $132 Part B Premium Reduction).

Question:  Where will my Medicare Advantage plan show the Part B premium giveback?

In your plan's documentation.  You can call your Medicare Advantage plan's Member Services department to have a printed copy of the Annual Notice of Change (ANOC) or Summary of Benefits or Evidence of Coverage (EOC) document mailed to you - or ask a Member Services representative how you can download an electronic copy (PDF) of the documents from the plan's website.

For example, in the "WellCare Dividend (HMO) Annual Notice of Changes [ANOC] for 2020", you can find a chart stating:

"Monthly premium (You must also continue to pay your Medicare Part B premium.)" with "$0.00 and WellCare will reduce your Medicare Part B premium by $40.00 each month".

(As reference, see: https://wellcare.com/en/florida/members/medicare-plans-2020/wellcare-dividend-hmo-223-003 and for 2021, please see: https://wellcare.com/en/florida/members/medicare-plans-2021/wellcare-dividend-prime-hmo-193)

Question:  How long will Social Security need to adjust my Medicare Part B premium with the "give back"?

1-3 months.  It may take your Medicare Advantage plan (and Social Security Administration) a few months to begin the Part B premium rebate.  But after the first Medicare Part B premium rebate payment, then your monthly Social Security checks should then show a regular increase reflecting the monthly Medicare Part B premium ($144.60 in 2020 or whatever premium or portion of premium you paid in that year).

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.