If the insurance you now have is employer paid, check with your employer to see if it will remain your primary insurance after 65. If you are paying for it yourself, check with the insurance company yourself.
If your present insurance will drop to that of a supplemental, absolutely sign up as soon as you get the notice.
If your insurance will remain as primary after you turn 65, you can wait to sign up for Medicare, but it will cost you a higher monthly premium for Medicare once you do sign up.
I have employer paid insurance, it is part of my retirement package. But once I turned 65 earlier this year, it dropped to a Medicare supplemental policy. I signed up for Medicare as my primary three months before I turned 65. My monthly Medicare premium is $110.
I should have mentioned that I was referring to Medicare part B
My insurance was the same way, Roccus. My employee insurance turned into a supplemental when I “retired” (I’m still working), and Medicare became the primary. My supplemental family policy is $113 a month now, but will increase significantly in Jan. I have no idea what my Medicare premiums are. I think they deduct them from any claims that are made. I never use enough medical care to cover the deductible. So, I’ve got a bad deal all around. Doesn’t pay to be healthy.