How to cancel Medicare after a death

Why this matters

Medicare coverage ends on the date of death. Notifying promptly prevents continued premium charges and stops any further benefit payments that would need to be returned.

Step by step

1. Call 1-800-MEDICARE (1-800-633-4227) to report the death. You can also report through the Social Security Administration since they share death information.
2. Provide the deceased's Medicare number, date of birth, and date of death.
3. If the deceased had a Medicare Advantage plan or Part D plan, also notify that private insurer directly.
4. If they had a Medigap (supplemental) policy, notify that insurer as well.
5. Watch for refunds of any premiums paid after the date of death. Medicare will refund prorated amounts.
6. Watch for final medical bills. Doctors and hospitals may continue submitting claims to Medicare for services delivered before death; these process normally.
7. Keep all explanations of benefits (EOBs) and bills for the estate inventory and final tax return.

Forms you will need

• No specific form. Notification is by phone.

State by state notes

Medicare is federal and uniform.

Common mistakes to avoid

• Not notifying separately. Medicare Advantage and Part D plans are private insurers and need their own notice.
• Continuing to pay premiums automatically. Cancel any autopay after notification.
• Discarding final EOBs. They may be needed for the estate and final tax return.

What to do if you get stuck

If you receive bills for services after the date of death, write "deceased" on the bill and return with a copy of the death certificate. The estate is not responsible for services not actually rendered.