Yep. The SS Lady told me all of that, too. They will sign me up automatically when I hit 65, and she advised taking A (which you immediately get) and also take B then, or face penalties, later if I change my mind.
Yes, I plan on signing up for everything. As a Vet, I can use my VA Hospital for the rest of my life, but it would be much nicer to stay local (we have an excellent hospital) and NOT have to drive an hour into ‘The Belly of the Beast,’ which is Madison. ;)
penalty for D also