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JustABozoOnThisBus

(23,949 posts)
15. Good plan. When husband retires, his H.R. department should create a letter for you ...
Thu Sep 24, 2020, 01:17 PM
Sep 2020

... stating that you were covered under his plan until (ending date). Then, you can get on Medicare Part B and D without paying a penalty for the delay from your 65th birthday. The penalty is permanent, but routinely waived with that standard form letter.

Selecting the Part D company and plan is pretty easy, using the tool available on medicare.gov.

I had agents offer lectures and free dinners to discuss options. The dinners were mostly pretty good. I went with one of the agents who only "sold" plans that were nation-wide, so no problem with relocation or travel within the U.S.

All in all, it was no more of a headache than the annual choice between company-provided health insurance plans when I worked.

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