How do Medicare Advantage plans add money back to your Social Security?

Asked by: Mr. Arjun Mann Sr.  |  Last update: February 24, 2026
Score: 4.7/5 (63 votes)

If you enroll in a Medicare Advantage plan with a Part B giveback benefit, the plan reduces the amount deducted from your Social Security check for Medicare Part B, which could add up to $144 back to your check each month.

How does Medicare Advantage add money back to Social Security?

For example, say your Social Security check is $1,400 and you qualify for a $25 giveback. Once the giveback is applied, the amount deducted from your Social Security check for your Part B premium will be $25 lower. This will increase your Social Security check to $1,425.

How do I qualify to get $144 back on my social security?

How do I qualify for $144 back? In order to qualify for your Medicare Part B premium “given back”, you must be enrolled in a Medicare Advantage plan that offers that benefit.

Who qualifies for Medicare Premium refund?

If your income has significantly decreased due to a major life event, you may be eligible to request a refund for any overpaid premiums. The Social Security Administration calculates Medicare premiums using income-tax records and deducts them from Social Security payments.

Does my zip code add money back to my social security?

Social security benefits are not impacted by geographic location but other federal benefits are.

Are Medicare Premiums Deducted From Social Security?

28 related questions found

How do you get money added back to your Social Security check from Medicare?

To get Medicare money added back to your Social Security check, you need to join a Medicare Advantage plan that offers a Part B giveback benefit. This benefit lowers your monthly Medicare premium, so less is taken out of your Social Security payment.

What zip codes give money back from Medicare?

All ZIP Codes in the United States and its territories are eligible for the Give Back Benefit because they are all eligible for Medicare Advantage plans. But this doesn't mean your ZIP Code will offer such plans.

Does medicare advantage come out of social security?

Part C Premium Payments to Private Insurance Companies: If your insurance company charges a premium for your Medicare Part C plan, you can set your payments to come from your Social Security benefits. But this is not an automatic action.

Who is eligible for the $800 Medicare reimbursement?

Each eligible active or retired member on a contract with Medicare Part A and Part B, including covered spouses, can get their own $800 reimbursement. You can distribute this flyer to your eligible employees to let them know about this amazing benefit.

What is a premium refund?

Insurance Premium Refund. ★ 3.3. Rated by 4 readers. An insurance refund refers to when the insurance company returns a part of the premium paid by the policyholder, usually due to the cancellation of the policy before its expiration date, overpayment of premiums, or adjustments made to the policy terms.

How can I get more money added back to my Social Security check?

Strategies to Boost Your Benefits
  1. Work for 35 years.
  2. Wait until at least full retirement age (FRA) to collect benefits.
  3. Collect spousal benefits.
  4. Receive dependent benefits.
  5. Monitor your earnings.
  6. Watch out for tax bracket creep.
  7. Apply for survivor benefits.
  8. Check your Social Security statement for mistakes.

Do I still pay for Medicare Part B if I have Medicare Advantage?

You'll still pay the government-set annual Part B premium and the Part A premium, if required. Sometimes you'll pay an additional premium for the MA plan although about three-quarters of Medicare Advantage enrollees in 2024 are in plans with no additional premiums.

How do I qualify for the $16728 Social Security bonus?

Have you heard about the Social Security $16,728 yearly bonus? There's really no “bonus” that retirees can collect. The Social Security Administration (SSA) uses a specific formula based on your lifetime earnings to determine your benefit amount.

What are the qualifications to get $144 back from Medicare?

To be eligible for the Medicare Part B Giveback Benefit, you must:
  • Be enrolled Original Medicare (Parts A and B)
  • Pay your own Part B premium.
  • Live in the service area of a plan that offers a Part B giveback.

Why do people say not to get a Medicare Advantage plan?

Disadvantages of Medicare Advantage plans can include difficulty switching out of the plans later, restrictions on care access, limited provider networks, and limitations on extra benefits.

Can you get $3,000 a month in social security?

Exactly how much in earnings do you need to get a $3,000 benefit? Well, you just need to have averaged about 70% of the taxable maximum. In our example case, that means that your earnings in 1983 were about $22,000 and increased every year to where they ended at about $100,000 at age 62.

How to get $900 from Medicare?

You must enroll in the specific Medicare Advantage plan which offers the benefit. Only a very small number of Medicare Advantage plans offer grocery benefits. Only certain individuals with serious health conditions qualify, generally those who are very low-income and/or very sick. Qualifications vary by plan.

Can Basic Option members get up to $800 back for paying part B premiums?

Basic Option members enrolled in Medicare Part A and Part B are eligible to be reimbursed up to $800 per calendar year for their Medicare Part B premium payments.

Does everyone have to pay $170 for Medicare?

Most people pay no premiums for Part A. For Medicare Part B in 2025, most beneficiaries will pay $185 per month.

Why are people leaving Medicare Advantage plans?

But there are trade-offs. Medicare Advantage plans often have a limited network of hospitals and physicians. And while the premiums are typically low, enrollees could end up paying more in the long run in copays and deductibles if they develop a serious illness.

What is the two midnight rule for Medicare Advantage?

The two-midnight presumption directs medical reviewers to select Original Fee-for-Service Medicare Part A claims for review under a presumption that hospital stays that span two midnights after an inpatient admission are reasonable and necessary Part A payment.

How do insurance companies make money on Medicare Advantage plans?

Medicare Advantage is funded from two main sources. The plans receive some funding through monthly plan premiums, but most of the money comes from Medicare. The private insurance companies that offer the plans receive a payment each month from Medicare.

Why do Medicare Advantage plans ask for zip code?

Medicare Advantage Plans, a popular alternative to Original Medicare, are highly sensitive to zip code changes. These plans are limited to specific service areas, and their availability can significantly vary based on your geographic location.

What Medicare plan gives you money back?

The Medicare Part B Give Back Benefit is a rebate that some Medicare Advantage plans may offer. It involves the plan carrier paying some or all of the Medicare Part B monthly premium. Medicare Part C, also known as Medicare Advantage, is a bundled Medicare plan that private insurers offer.

How can I reduce my Medicare Part B premium?

If you've had a life-changing event that reduced your household income, you can ask to lower the additional amount you'll pay for Medicare Part B and Part D. Life-changing events include marriage, divorce, the death of a spouse, loss of income, and an employer settlement payment.