Hi, I am 67 and I am covered under my husband's health plan at work - he is 55 now, I did not take Medicare Part B at age 65, only Part A because I didn't see what I would gain. The premium would make my little Social Security check of $418 would be less $96.40 for the premium. Can you tell me what I would gain if I got Part B? I still have Optima Choice which costs $85 a week and pays 90% of my overnight hospital stays, all of my doctor visits with a $15 copay. Once when I was talking to an Optima Choice agent on the phone I asked her about Part B and she said that I should get it because they could charge me what Part B would have paid - is this true? I am very confused.