Dear Toni: I have decided to retire when I turn 65 in February and need to enroll in Medicare Parts A and B. My husband, Harry, is 74, and he enrolled in Parts A and B when he turned 65, remaining on my employer benefits with health issues.

The office manager for his primary doctor expressed concerns because of my husband’s serious lung problems, which will require surgery in 2026. She suggested that Harry apply for a Medicare supplement.

Please explain how we can enroll in a Medicare supplement plan when I retire. — Carolyn, Omaha, Neb.

Dear Carolyn: A Medicare supplement, or Medigap, plan is a private insurance policy that covers costs not picked up by original Medicare.

The good news is, Medicare has special rules for employees, and their spouses, who are covered by an employer’s gr

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