I got my medicare package in the mail today. They automatically enrolled me in Part A and Part B. I am covered under my husbands insurance and I have my Indian card as back up. Fortunately, i have never had to use my indian card but I certainly apprecaite the peace of mind from having it just in case. My Medicare package said there is no cost for Part A so I figure I might as well keep it as a back up in case I'm am not covered by insurance for some reason. I don't want to pay the part B part since I am very pleased with my current insurance coverage.

My question is.....If I decline part B, will I have a difficult time enrolling in it at a later date if I need it down the road?