Also, if you do not sign up for some form of medicare prescription coverage at 65 you will also be penalized, with higher premiums, when you do purchase prescription coverage.
It's truly a government forced racket.
Medicare A comes without charge, so you might as well sign up for it. Medicare B is optional. You are not required to sign up for it, but you should have an alternative available if you don't. The decision depends on your own particular situation. But for every year past 65 that you don't sign up for B, the premium does go up 10% if you eventually jump in.