Find out from your Human Resources Department what the cost would be to add her to your company plan. Then factor in what deductibles and copays she could incur for her medical and drug coverage.
Next, contact Social Security to confirm what the monthly premium would be for your wife to enroll onto Medicare Part B. Also consider her options under Medicare by having Part A – hospital (no additional premium) and Part B – outpatient, and whether she will be on a Medicare supplement (**depending on the Plan selected, the premium and out-of-pocket costs will vary) and a stand-alone drug plan (**premium and cost of drugs depending on what medications she takes) … or will she go onto a Medicare Advantage/HMO Plan with drug coverage (**there may be a premium plus there will be potential out-of-pocket costs).
Once you have the information on her Medicare Part B and which type of insurance coverage she would take if she did go fully onto Medicare, you can compare that with your employer plan to determine which you feel will most cost effectively meet her medical needs. If she decides to go onto Medicare, she will receive a special election period to select her plan(s) of choice.