I will retire Jul 1 2019.from a NYC agency. I become 65 5/22/19. My spouse has been retired and covered under my medical. We both will sign up for Medicare Part B. Will he be penalized for waiting until now that he is 69? His DOB 9/13/49. He collects SSA check since 2011 when he retired at 62. Do we apply online or in SSA office? When do I apply, since I retire 7/1/19?