Retirement health benefits


Q: My husband, five years my senior, retired last year and now has Medicare. I have no insurance. I am 60 and unemployed. Will Medicare cover me for health care, and if so, what will the cost be?

A: According to the official Medicare website, “Medicare is not offered as a family or dependent benefit. This means all people who have Medicare must qualify on an individual basis. For example, a person under age 65 does not automatically receive Medicare because their spouse is 65 or older and enrolled in the Medicare program.”


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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