Ask Larry


Can I Keep My Private Medical Provider When I Turn 62?

Hi Larry,
Thank you....
I am on Permanent Disability now (SSDI),
I will be turning 62 next April of 2022...
I read up on Social Security literatures and also was ably to access the “Calculator” for future amounts and age breakdown....
So as of right now, social security is DEDUCTED $140.00 monthly and additional 20.00 for Kaiser Permanente Hospital, which has been my Medical provider for decades even when I was still employed at Bank of America....

Saturday, April 17, 2021 - 10:01

Should I Pay My Medicare Premium In Advance Even If It Will Later Be Withheld From My Benefit Payment?

Hi Larry,
I have a similar question to one Jerry posed to you a couple of years ago regarding potential overpayment of Medicare premium when you go on Medicare long before receiving your SSA benefit. In my case, however, my quarterly Meficare payment is due April 25 (for months May-July) and I will begin receiving SSA at end of May (due to late April birthday), so I would presumably be overpaying 3 months of Medicare premiums (rather than just one in Jerry's case).

Monday, April 12, 2021 - 16:29

What Do I Do?

I am 62 on SSD, after 2 years I was able to get Medicare Part A. I did not sign up for Plan B because my husband has insurance via.his employer. He lost his job, so lost our insurance. I was able to sign him up for Plan B with plan G insurance. I am being told that I have to have Plan B to get additional insurance. Trying to apply for that I am getting kicked out cause I'm only 62... what do I do?

Friday, April 2, 2021 - 08:44

Why Was I Billed For Retroactive Medicare Coverage?

I turned 65 in October 10 2020. I understand my IEP was July 1 2020 -Jan312021. I waited till mid Dec to submit my application for Medicare assuming it would start Jan.1 2021. Now they are billing me from last Oct.I have submitted another Medicare Application for part B but have not received any response in two months other then another bill for the same amount.Can you help in what I should do next. Many Thanks.

Wednesday, March 10, 2021 - 15:30

How Can I Get A Refund Of The Excess Medicare Premiums My Deceased Father Paid?

My father paid his 2nd quarter Medicare premium for 2020 but passed away in April 2020, so he had an amount due as a refund. I filed the correct paperwork in Sept 2020 with his local SS office and found out a refund was due for $288. SS says I have to contact Medicare and Medicare says I have to call SS. After calling SS, it turns out my dad filed for Medicare under my mother's name but he paid his own premiums (she is deceased). How do I go about collecting the refund that is due his estate?

Monday, March 8, 2021 - 16:16

Which Month's Medicare Premium Will Be Withheld From My Social Security Benefit For July That's Paid In August?

1. I have set up a program at BofA to pay both my Medicare B and D by the due date of the 25-th day of the preceding month.
2. My social security begins for the month of July, and is deposited in August on the 2nd, third, or 4th Wednesday of August
3. Assuming no delay in switchover.
(a) Will the net SS payment for July in August be net of the Medicare bill for August due by July 25-th (THEN IT WILL BE LATE) or that for September due by August 25-th. What if the 4-th Wednesday is after the 25-th ?

Friday, March 5, 2021 - 08:15

Can I Pick My Medicare Part B Start Date?

I turned 65 in July 2020 and signed up for part A medicare and postponed Part B because I have health
insurance through work. I want to retire January 31st 2022, and would like Medicare Part B to start January 1st.
Is this possible, or do I have to sign up in some signup period(January to March for example)?

Basically, Can I pick my Part B start date?


Friday, March 5, 2021 - 07:22

Why Did My Wife Get A Bigger Medicare Premium Refund Than I Did?

I was collecting spousal benefits since age 66 until I turned 70 in June 2020 and began collecting my full Social Security benefit. My wife continued to work after age 66, retired at 68 and deferred her full benefit until she turned 70 in August 2019. We had been paying Medicare IRMAA surcharges due to our higher 2018 income. However, that income declined sharply in 2019 and after we filed our 2019 tax return in July 2020, we immediately sent a copy to Social Security with the appropriate form to have these IRMAA surcharges eliminated.

Wednesday, March 3, 2021 - 16:25
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