I hope to keep my company health plan, but I don't want to get snookered. I plan to defer collecting SSN until age 70. My retirement $$ are probably woefully inadequate for full retirement before age 98 (and then probably only if I promise to die by age 99)
Part A is free, but I don’t know if you can sign up for it if you are still working and covered by a group policy. It seems to me that if you could sign up, your group carrier would like that since Medicare becomes the primary payer and they only need to pick up what Medicare doesn’t cover. They will nip your Social Security payment for Part B. If you are still working and have work coverage, you do not need to sign up for B when you turn 65 and your payment should not increase. However, if you delay signing up past when you retire, they will nip you for a higher payment to make up for what you would have paid if you would have signed up right away.