Ask The Experts: Retirement

By Reg Jones

Paying twice for Medicare

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Q: I just turned 65 and started paying my Medicare premium on a quarterly basis. I am still working federal civil service and not drawing Social Security so I have to pay my Medicare premiums separately from my pay deduction. However, Medicare deductions are still taken from my civil service pay. It seems I am having to pay twice for the same coverage. If I was not working civil service I would not have the deduction and I would still receive the same coverage since I am 65 and paying the premiums for parts A and B.  Shouldn’t the pay deduction cease when a worker turns 65 since I am paying premiums directly now?

A: As long as you have earnings from wages or self-employment, Medicare Part A will continue to be deducted from your pay. Therefore, you shouldn’t be making quarterly payments for that coverage. If you are, write to MyMedicare.gov or call 1-800-Medicare to straighten things out. On the other hand, Medicare Part B deductions are not automatically deducted from an employee’s pay. If they are, you shouldn’t be making separate payments; if they aren’t, your should.

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Comments

  1. Jim Milner Says:
    September 29th, 2011 at 8:44 am

    I believe this answer is incorrect. As long as this person is working, they will continue to pay any Medicare and/or Social Security taxes even if they are receiving those benefits. The monthly premium for Medicare coverage is a totally different animal and is collected if you have coverage, even when working and paying the Medicare tax.