Keep more of your Social Security check with a Medicare Part B giveback plan

Learn how a Part B giveback reimbursement benefit works, who’s eligible, and whether it’s the right fit for your Medicare Advantage coverage needs.

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By Devoted Health Team
May 27, 2025

If you’re shopping for a Medicare Advantage (MA) plan, you may come across a Part B giveback — a benefit that puts money back in your pocket by paying a portion or all of your monthly Part B premium, up to $185 per month in 2025. This can give you more flexibility in your monthly budget.

In this giveback guide, we’ll answer the most common questions about Part B givebacks, including how it works, who qualifies, and how much money you could get back each month, so you can feel confident with a giveback plan that works for your health and your wallet.

What is a Part B giveback benefit?

A Part B giveback is a reimbursement offered by some Medicare Advantage plans, where your plan helps pay a portion or even all of your monthly Part B premium. In most cases, givebacks come as a credit applied to your Social Security check or your Medicare premium bill.

You won’t receive a check in the mail, but you will see your monthly costs go down. And depending on your plan, you could see lower Medicare costs, too. While you’re thinking about part B reimbursements, see more ways to save in our article about getting the most for your healthcare dollars.

Who’s eligible for a Part B giveback?

To qualify for this Medicare Advantage benefit, you must meet the following criteria:

Be enrolled in Original Medicare (Parts A and B)
Pay your own Part B premium (not already covered by Medicaid or another assistance program)
Live in the service area of a Medicare Advantage plan that offers the giveback benefit

Note: If you receive help paying your Part B premium through a Medicare Savings Program or Medicaid, you’re not eligible for the giveback because you're not personally paying a premium.

How do you receive your giveback?

There are two main ways you can receive your giveback, depending on how you currently pay your Medicare Part B premium:

If you pay your premium through Social Security:

You’ll see a credit applied to your monthly Social Security check. In other words, the giveback adds a little extra money to your benefit check.

If you pay Medicare directly:

You’ll receive a reduced monthly bill from Medicare, reflecting the giveback amount.

Givebacks are applied automatically with no checks to cash and no extra steps to take, but it may take some time to appear on your bill or check.

Be sure to contact your plan provider with any questions. Get more details on Devoted Health’s Medicare Advantage giveback plans in our latest article.

How much money can you expect to get back?

Giveback amounts vary by plan, location, and potentially could change. Depending on your location and plan, givebacks can range from just a few cents to the full standard Part B premium.

To find out exactly how much a giveback plan offers, look at your plan’s summary of benefits and check your Annual Notice of Change (ANOC) each year to see if your giveback amount is changing.

Is a giveback plan right for you?

Part B givebacks can help lower your monthly costs, but it shouldn’t be the only reason you choose a Medicare Advantage giveback plan. Here are four important questions to think about when looking at givebacks:

Do you need preventive or routine care?

Plans can vary in what they cover beyond the giveback. Make sure the plan you want includes the services you’ll actually use, like check-ups, screenings, or specialist visits.

Are your doctors in-network?

It’s important to check that your current doctors and specialists are covered under the plan’s network. If not, be prepared to switch providers.

Do you take prescription medications?

Review the plan’s formulary to make sure your medications are covered and at a reasonable copay.

What’s the monthly premium?

Some giveback plans may have low or $0 premiums, but others could charge more to offset the giveback. Consider the full cost of care, not just the amount returned to you.

The biggest giveback doesn’t always mean the best plan. It’s about your unique health needs and overall value, not just monthly savings.

While the giveback benefit helps lower your monthly Part B premium, it’s important to know that it doesn’t impact other out-of-pocket costs like copays, coinsurance, deductibles, or medications.

Also, as a reminder, a giveback is not a cash payment. The savings show up as a credit on your Social Security check or your Medicare bill.

Lastly, only Medicare Advantage plans offer the giveback reimbursement. Medigap (Medicare Supplement) plans help cover cost-sharing like deductibles and copays, but don’t offer premium rebates.

It’s also not the same as a Medicare Savings Program. Medicare Savings Programs (MSPs) are state-run assistance programs for people with limited income and resources.

How Devoted can help

We have licensed representatives available to help you with your questions or answer more questions about Devoted Health Medicare Advantage plans. Call us at 1-800-483-8066 (TTY 711) for personalized assistance.

You can also learn more about your Medicare options in this free Medicare Comparison Guide.

How to get the most for your healthcare dollars

Your Medicare options

Medicare Advantage plans may pay all or part of your Part B premium - this is sometimes called the "Part B Giveback". The amount may vary and can take a few months to process before showing up in your Social Security check.