I am a retired U.S. Postal Service employee who is receiving Social Security payments (since age 62) and am turning 65 next year. My husband and I are currently covered by the Federal Plan 087 (he 6 years younger than I am.) I was told by my insurance carrier that I would take Medicare as my primary and the employer's insurance as my secondary, and that the employer's insurance would remain as my husband's primary. Is this correct? If I go to a doctor who does NOT take Medicare, will I have to pay for the whole thing or will my secondary (employer's) insurance cover it? I thank you in advance for your help.