I recently found out that I made a mistake not getting my wife on Medicare part B when I retired. She had a brain aneurism several years ago, that disability allowed her to get a SSD check. I was able to sign off on taking out the part B at that time. Unknown to me I was to sign her up for this I now find out three years after I retired there is a penalty coming, 10% per year, along with now I find out she has no primary insurance until July 1, when Medicare kicks in. I cannot believe I was not informed about this somehow by UPS when I retired. Has anyone been able to work anything out in a case like this?