I’ve been collecting Social Security for several years. My 65th birthday is next month, and I just got a Medicare card showing I have Parts A and B. I’m covered under my spouse’s work insurance, so can I decline it?

Since you are already getting Social Security benefits, you are automatically enrolled in Medicare A and B when you turn 65. Medicare Part A hospital insurance is free for most people and cannot be declined unless you’re willing to give up your monthly Social Security benefits. You can, however, opt out of Part B—and its monthly fee of $185 for people with a modified adjusted gross income of $106,000 or less—by signing the back of the Medicare card and checking the box indicating “I do NOT want Part B (Medical Insurance).”

I sold my house in 2023. Why are my Medicare premiums higher this year, and can I get them lowered?

If you sold your home in 2023, your income likely increased, which may mean you are paying more for Medicare this year. This extra charge is called IRMAA (income-related monthly adjustment amount), and it applies to people with higher incomes. If you think your IRMAA charge is too high, ask Social Security to review it by calling 800-772-1213.

I’m a Medicare beneficiary with only Parts A and B. I received a bill for lab work done 18 months ago. Do I have to pay it?

Medicare requires health care providers to send bills within one year. If they miss the deadline, Medicare usually won’t pay. If the testing you received is a Medicare service, you owe only 20 percent of the cost plus any unmet deductible. Check your bill and your Medicare account, or call Medicare at 800-633-4227 to make sure you’re being charged the correct (Medicare-allowed) amount.