Online bill payment

If you get a "Medicare Premium Bill" (Form CMS-500) from Medicare, you can pay your premium online.

2 ways to pay Medicare premiums online:

  1. Log into your secure Medicare account
    You can make a one-time payment, or set up automatic payments using Medicare Easy Pay. There's no charge or service fee to use your online Medicare account to pay—it's free to use this service.
  2. Use your bank's online bill payment service
Can I pay online if I get a bill from the Railroad Retirement Board (RRB)?

No. You'll need to mail your premium payments to:

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

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

  1. Log into your secure Medicare account (or create a Medicare account if you don't have one yet).
  2. Select "My Premiums" and then "Pay Now."
  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 get a confirmation number. It takes about 5 business days for your checking or savings account payment to process—credit card payments process faster. Your statement will show a payment made to "CMS Medicare Insurance" for credit or debit cards, or "CMS Medicare Premiums" for checking or savings accounts.

You can also sign up for Medicare Easy Pay, and have your monthly premium automatically deducted from your checking or savings account each month. You can't set up recurring credit card payments at this time.

Note
For your payment to process correctly, log into your Medicare account. You don't need and shouldn't create an account at Pay.gov to pay your premiums.

If you have questions about your payment, you can call us at 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.

What if my payment is returned?

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.

How do I pay my Medicare premium online through my bank?

  1. Contact your bank or go to their website to set up this service. (Not all banks offer this service and some charge a fee.)
    Make sure your payment is set up correctly, so your bill is paid on time—if any information your give the bank isn't correct, your payment will be delayed.
  2. 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
  3. Tell the bank how much money to take out of your account for your premium.

What else do I need to know about paying my Medicare premium online through my bank?

  • You 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.
  • Remember: You're responsible for making sure the bank pays the right premium amount at the right time.
  • Your statement will show a payment made to "CMS Medicare."
  • If your premium amount changes, you have to tell the bank so they can pay the correct amount.
  • If the bank makes your payment electronically, it usually takes up to 5 days for your payment to process.
  • If you have questions about online bill payment, contact your bank.
Important: Not all banks send your payment electronically

Ask your bank if it makes payments 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.

Can I set up a recurring payment through my bank?

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.

What if my payment is returned?

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