Online bill payment

Paying your Medicare premiums online is a more secure and faster way to make your payment without sending your personal information in the mail.

If you get a "Medicare Premium Bill" (Form CMS-500) from Medicare, there are 2 ways to pay your premiums online:

I get my bill from the Railroad Retirement Board (RRB)

You can't pay using the options on this page. Mail your premium payments to:

RRB, Medicare Premium Payments
PO Box 979024
St. Louis, MO 63197-9000

How do I make a payment through my secure Medicare account?

Here are some things to know:

  • There's no charge or service fee — it's free to use this service.
  • You can use it at any time.
  • Your Medicare account will show the amount of your last bill and payments you've made.
  • You'll get a confirmation number when you make your online payment.
  • Your statement will show a payment made to "CMS Medicare."

How do I pay my premium using my online Medicare account?

  1. Log in to your secure Medicare account (or create a Medicare account if you don't have one yet).
  2. Select "Pay my premium."
  3. Choose your payment method, like credit/debit card or checking or savings account, and enter the amount you want to pay. You'll then be linked to the U.S. Treasury's secure Pay.gov site to complete your payment.

After you make your payment, you'll be able to view your recent payments, and check back again to see if your payment processed.

Note
For your payment to process correctly, log in to your Medicare account. You don't need and shouldn't create an account at Pay.gov to pay your premiums.
Can I set up recurring payments through my account?

Not at this time.

How long does it take for my payment to process?

If you pay from your checking or savings account, it usually takes about 5 business days for your payment to process. Credit and debit card payments process faster.

About 5 days after you submit the payment, you can check your payment history in your Medicare account online to see if your payment processed.

What if my payment from my checking or savings account is returned to my bank?

You'll get a letter from Medicare if your payment was returned. You'll need to contact your bank about why the payment didn't process.

What if I have questions about my payment?

You can 

call us at 1-800-MEDICARE (1-800-633-4227).

 

TTY: 1-877-486-2048.

How do I make an online bill payment through my bank?

Here are some things to know:

  • Ask your bank if it allows customers to pay bills online — not all banks offer this service.
  • Some banks charge a fee for this service, so ask your bank. Medicare doesn't charge a fee for processing electronic payments.
  • You'll tell the bank your Medicare information to set up this service — make sure your payment is set up correctly so your bill is paid on time.
  • Your statement will show a payment made to "CMS Medicare."
  • If your premium amount changes, you have to tell the bank so they pay the correct amount.

How do I set up online bill payment?

Contact your bank or go to their website to set up this service. Make sure your payment is set up correctly so your bill is paid on time — if any information you give the bank isn't correct, your payment will be delayed.

Give the bank this information:

  • Your 11-character Medicare Number — find it on your Medicare card [JPG] or on your bill. Enter the numbers and letters with NO DASHES, spaces or extra characters. Check carefully since letters can look similar to numbers. (The letters B, I, L, O, S, and Z aren't used in Medicare Numbers.)
  • Payee name: CMS Medicare Insurance
    (Be sure your payment is made to "CMS Medicare Insurance" for your payment to process.)
  • Payee address:

    Medicare Premium Collection Center
    PO Box 790355
    St. Louis, MO 63179-0355

You’ll need to tell the bank how much money to take out of your account for your premium.  

Can I set up recurring payments?

Generally yes, but you'll need to ask your bank. If you set up recurring payments each month, make sure the payment amount is correct. It's up to you to change the payment amount when your premium rate changes. For example, you may need to update the amount in January, when the rates sometimes increase.

How long does it take for my payment to process?

If the bank makes your payment electronically, it usually takes up to 5 days for your payment to process.

Important: Not all banks send your payment electronically

Ask your bank if payments are made electronically or by paper check. If your bank pays by check, you need to allow more time for your payment to reach Medicare.

The bank may also send a check if the information you give them for your payment is incorrect. The electronic payment won't work unless all the information is correct.

What happens once I set up my payment?

The bank will submit your payment. After your payment processes, your bank statement will show a payment made to "CMS Medicare."

Remember
You're responsible for making sure the bank pays the right premium amount at the right time.
What if my payment is returned to my bank?

Check with your bank's website to make sure it has the correct information, and resend your payment.

What if I change bank accounts?

Cancel the online bill payment from your old account, and set it up for the new bank account.

What if I have questions about online bill payment?

Contact your bank.