How Medicare and Social Security Work Together
Two of the most famous and popular government programs in the United States are Medicare and Social Security. Both programs create a safety net for some of the most at-risk Americans — senior citizens. They each cover different essential costs that many seniors and qualifying citizens encounter in their day-to-day lives.
Even though they’re separate programs, Medicare and Social Security regularly work together to serve their beneficiaries. This cooperation influences everything from how you pay for Medicare to enrolling in it for the first time. So, how exactly do these programs work together to benefit you?
What Each Program Covers
First, let’s recall what each program was brought in to do. Social Security was created by the Social Security Act of 1935 as part of President Franklin Roosevelt’s New Deal to combat the Great Depression. It acts as a form of economic security for Americans and as a type of national retirement and, eventually, disability pension. Several concepts had been floating around the country and internationally for some time, but Social Security made it so that, if you qualified, you’d receive a monthly payment from the government. This benefit changes in relation to inflation (the annual cost-of-living adjustment, or COLA) so that rising costs won’t cut down on the help Social Security can provide.
If you’re a regular reader of Medicareful Living, you’ll be pretty familiar with Medicare at this point. You’ll know that Medicare covers an assortment of inpatient and outpatient health services, including some of the most basic and commonly needed health care services. You’ll also know that you can become eligible by turning 65 or having a qualifying condition. You should also understand that Medicare was initially created in 1965, but that the roots of the program go much deeper. If you’d like to learn more about Medicare, you’re in the right place.
Medicare Enrollment and Maintenance
So, how do these programs work together? Social Security helps in the enrollment and maintenance of your Medicare coverage. One of the first ways most people will encounter this cooperation is through enrollment in Medicare. See, if you’re receiving Social Security benefits when you become eligible for Medicare, you’ll be automatically enrolled in Original Medicare (Parts A and B only). Since you have to pay premiums for Part B, you can still choose not to enroll, though there may be a late penalty added if you choose to enroll after when you first became eligible.
The other way the Social Security Administration (SSA) helps with Medicare is by replacing lost or damaged Original Medicare cards. You can get a new card through Medicare.gov, but you can also get it through the SSA. Simply by navigating to the my Social Security website or going to your nearest SSA office, you can start the process of replacing your Medicare card. Once the request is in, you should have your new card within 30 days.
Costs of Medicare
The other most common way Medicare and Social Security interact is with the costs of Medicare. For example, if you’re enrolled in both Social Security and Medicare, you can choose to pay for your Medicare Part B premium by having it come directly out of your Social Security check each month. Not only is this convenient for many, it also allows you to be held harmless if your Part B premium would otherwise increase more than your Social Security check.
Speaking of being held harmless, that’s just one way the Social Security COLA can influence Medicare. It also factors into the Part B premium. When deciding on the next year’s Part B premium, the Centers for Medicare & Medicaid Services (CMS) account for the Social Security COLA. Depending on the COLA, CMS may raise the Part B premium to cover costs.
● ● ●
By working together, Medicare and Social Security can make life much easier for those who need the help most. They can offer stability and support for the retired and disabled. While they don’t combine services too often, they reinforce each other in ways you may not have predicted.
- Medicareful Travel: Senior Trip to Lucerne
- Is Expensive Cookware Worth It?
- The Drug Prices Medicare Can Directly Negotiate
- Does Medicare Ever Cover Cosmetic Surgery?
- Medicareful Travel: Senior Trip to Barcelona
- How Does COBRA Work with Medicare?
- Different Ways Medicare Can Cover Drug Costs
- All About Enrolling in Social Security
- Medicareful Travel: Senior Trip to the Madrid
- Does Medicare Cover Open-Heart Surgery?
- Exercise Tips for Summer
- Medicareful Travel: Senior Trip to Lisbon
- Hosting a Safe Summer Barbecue
- Senior Summer Barbecue Tips
- Does Medicare Cover Biopsies?
- 5 Foods to Avoid if You Have High Blood Pressure
- Medicareful Travel: Senior Trip to the Finger Lakes
- Does Medicare Cover Endoscopies?
- Ways Seniors Can Recover from a Workout
- Is Chocolate Healthy for You?
- Understanding Adult ADHD
- How Does Medicare Cover Hypertension?
- The Symptoms and Treatment of Parkinson's Disease
- How to Determine What Temperature to Use When Cooking
- Eating Healthy on a Budget
- Keeping Fit on Vacation
- Is Your Tonsillectomy Covered by Medicare?
- Tips for the Perfect Hard-Boiled Eggs
- Kitchen First Aid Tips
- What Does FDA-Approved Mean?
- Medicareful Travel: Senior Guide to New York City
- How to Caramelize Onions
- Why Do We Celebrate That? April Fools’ Day
- Medicare and Powers of Attorney
- The Essential Role of Eggs in Cooking
- What are Different Types of Complementary
and Alternative Medicine?
- Tips for Remembering to Take Your Medicine
- What is Medicare Part E?
- Building Your Basic At-Home Senior Gym
- How to Make Stovetop Popcorn
- Medicareful Travel: Senior Trip to New Orleans
- How to Navigate & Read Academic Articles
- Phytonutrients: What Plant Color Says About Nutrition
- How to Prevent or Reduce Inflammation
- Osteoporosis: Risk Factors, Signs, and Treatment
- How to Make Homemade Pretzels
- Researching Your Ancestry and Family Tree
- How Medicare and Social Security Work Together
- What is Nordic Walking?
- Food Questions You've Been Embarrassed to Ask
- How Medicare Changed for 2023 and Beyond
- Tips for Using a Microwave
- How to Clean Your Ears Safely
- Skiing as a Healthy Hobby for Seniors
- 3 More Great Places to Celebrate New Year's Eve
- Why Do We Celebrate That? More New Year's Eve Traditions
- Panettone, the Italian Christmas Dessert
- A Simple Homemade Gingerbread Recipe
- How to Make Christmas Decorating Jollier
- The Science of Winter Weight Gain
- Seasonal Picks: 3 Foods You Should Try This Winter
- 5 Tips to Make Getting Your Christmas Tree Stress-Free
- Show-Stopping Potato Side Dishes for Thanksgiving
- Dishes to Impress Your Friends: Boeuf Bourguignon
- Holiday Travel Tips to Reduce Stress
- Does Medicare Cover Pain Management?
- Is Hunting a Healthy Senior Hobby?
- Ways You Can Get More Politically Involved
- What are Medicare's Lifetime Reserve Days?
- Spooky Spots for Seniors Halloween 2022
- How to Make Soul Cakes for Halloween
- Jack O' Lantern Carving Tips for Halloween
- Easy Ways to Peel a Potato
- 2023 Social Security COLA Largest in Decades
- Exercise Tips for Autumn
- How to Make Candy Apples at Home
- Why are Medicare Insurance Sales Calls Recorded?
- Here's What Medicare Costs in 2023
- CMS Updates Medicare Enrollment Rules for 2023
- Medicareful Travel: Senior Trip to London
- Does Medicare Cover Insomnia Treatment?
- Healthy and Easy Homemade Dog Treats
- The FDA Finalizes Ruling to Increase Access to Hearing Aids
- What the Inflation Reduction Act of 2022 Means for Medicare
- Tips to Make Flying and Airports Less Stressful
- CMS Projects Lower 2023 Part D Average Costs
- The 15 Golden Rules of Airplane Etiquette
- How Often Should You Shower?
- What are Medicare Pilot Programs?
- How to Care for Your Cast Iron Cookware
- Confronting a Loved One About Hurtful Behavior
- What Does Creditable Coverage Mean for Medicare?
- Using Za'atar in Your Cooking
- Dealing with Canceled Flights
- Protecting Your Vacation from Flight Disruptions
- Do Pre-Existing Conditions Affect Medicare Coverage?
- Which is Better: A Bath or Shower?
- Are Weight Loss Medications Healthy?
- Healthy Strategies for Anger Management
- The Health Benefits of Omega-3 Fatty Acids
- The Difference Between Common Cooking Papers and Foils
- What are Medicare I-SNPs?
- Identifying Toxic Relationships in Your Life
- Healthy Ways to Spice Up Your Water
- All About Medicare Dual Eligible Special Needs Plans
- Medicareful Travels: A Senior Guide to All-Inclusive Resorts
- Does Medicare Cover Occupational Therapy?
- Lower 2023 Medicare Part B Premium Could Be on the Way
- Which is Better: Natural or Artificial Sweeteners?
- Tips for Vacationing with Pets
- Is It Better to Work Out Harder or Longer?
- Tips for Traveling with Your Pet
- Are Medicare Part B Giveback Plans Worth It?
- Introducing the Medicareful Living Family Cookbook!
- Medicare Coverage for Treatment of PTSD
- The Causes and Treatments of Nasal Congestion
- Dishes to Impress Your Friends: Spring Rolls
- Medicare Freezes Late Enrollment Penalties for Qualifying Enrollees
- What is a 5-Star Medicare Plan?
- What is PTSD?
- What is Inflammation?
- What is Medicare's Secondary Payer Program?
- What You Should Know When Buying Cast Iron Cookware
- What Does MACRA Mean for You?
- What to Do If You Receive a Terminal Diagnosis
- Dishes to Impress Your Friends: Homemade Lobster Ravioli
- Reading and Understanding Your Blood Pressure
- How to Be a Snowbird in Retirement (18 Questions to Ask!)