By: Micah Pratt

Disenrolling from Medicare can differ based on if you have been receiving benefits and if you have not yet started to. If you’ve already been receiving benefits, you’ll need to fill out this form (CMS-1763) and speak to a Social Security representative to disenroll. You’ll actually have to complete the form while speaking with a representative from Social Security, either in person at your local Social Security office or over the phone (1-800-772-1213 or TTY 1-800-325-0778). You can find the closest office near you here.

You’re required to speak with a Social Security rep while you’re disenrolling so that you understand the consequences of doing so, like potentially facing a penalty if you try to re-enroll in Part B down the line.

Thankfully, if you are leaving it for primary health insurance offered by your employer or your spouse’s employer, you won’t be penalized in the future if you enroll in Part B again, as long as you so within eight months of your job or your coverage ending (whichever comes first).

How to Disenroll from Medicare Part B Before You Start Receiving Benefits

Once you turn 65, you may start being charged the Part B premium without you even signing up for Original Medicare. You may be automatically enrolled in Part A and Part B if you are currently receiving Social Security benefits. If so, you’ll get mailed a red, white and blue Medicare card three months before you turn 65, or the 25th month of receiving Social Security Disability Income (SSDI).

There are two ways you can opt out before you start receiving benefits:

  • If you were automatically enrolled and you receive your Medicare card, read the directions on the back of it and send the card back. Keeping your card means that you will keep Part B and have to pay its premiums.
  • If you signed up for Part A and Part B, you can contact Social Security to opt out of Part B before your benefits begin.

Are you sure that leaving is the right choice for you? You may get hit with a late enrollment penalty if you decide to join again in the future, along with other potential consequences. Learn more about opting out of coverage in our guide to Part B coverage.

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