allow people who receiving disability to keep private insurance primary under age 65 even if their spouse is retired

Prohibit health insurance companies from denying claims to person on disability social security under 65 the right to keep private insurance primary, even if they are eligible for medicare part A or B and refused it before receiving benefits prior to the act for free medicare part A in 2001. People 65 retired and receivng social security with spouses under age 65 should not be required under federal law to accept Medicare, even if they are a dependent on private insurance and not working but continues to pay insurance premiums through employer. Spouse should not incurred out of pocket cost or backed into a position to accept medicare to avoid receiving medical bills denied by private insurance for refusing to accept second insurance Medicare which is more premiums and out of pocket.cost.