Does anyone know how this works.....you get approved for SSDI & in 2 years they start taking out for medicare. My Huz's insurance covers me 100% as long as he's working. He just started to draw SS retirement & has medicare now too. His work place told him work insurance is primary & medicare is secondary. He was able to opt out of medicare so he didn't have to pay each month. Will that work the same for me on disability....can I opt out & not have to pay the $96.00 or what ever each month?