Q. I turn 65 on Oct. 28. I had 35 years at the Postal Service, and my plans are to keep my National Association of Letter Carriers insurance and turn down Medicare Part B and of course use my Part A. I understand I will have to pay a penalty of 10 percent for each year I don’t enroll in Part B. Whom do I contact to do this?
A. Go to www.medicare.gov.
