Q. I received notice that as of this month, Medicare will be deducting about $104 a month from my Social Security. My wife is 55 and employed. I am on her coverage. Must I have Medicare now if I am covered by my wife’s plan for another 10 years?

A. As long as you are covered under her employee health plan, you don’t have to decide whether to be covered by Medicare Part B. When she retires, you’ll have to make that decision.


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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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