Q. I retired from the federal government at age 55 with survivor benefits for my husband, who is eight years younger than I am. I will be eligible for Medicare on Dec. 1. If I opt for the Medicare parts A and B, can I reduce the costs of Blue Cross/Blue Shield by going from family plan, which covers both of us, to the single plan for him only?
A. Not unless he is a federal employee or retiree and, as such, eligible to enroll on his own.