 As long as her group employer plan will allow she and James to remain enrolled after her 65th birthday, she can remain on the plan. Penny will get to enroll in Part A online at ssa.gov and indicate that she'd like to defer Part B on the online application or with the person at the window at the Social Security office. And then when Penny decides to leave her company and its group coverage, she can repeat the steps that I mentioned earlier and she and James can enroll in Part B and add insurance to the mix with me.