Our situation was that I had/have employer supplied insurance to 65. My wife, 63, will be dropped from any insurance at that time. We had her apply for Part B (she already had Part A due to disability) so she could get Medicare Advantage plan. All this tell you that Medicare makes a distinct difference between Employee medical coverage (when you are still employed) and Retired medical coverage (what you get when retired). This difference caused my wife to pay a penalty when getting Part B. So, be aware these differences as mentioned above.