You do not have to sign up for Medicare when you turn 65 but there is a $ cost if you sign up later. Sign up is not automatic you must make that decision. If you have the money you can buy any individual policy you want. And last - Employees over 65 can be on their employer’s policy.
My wife works for Wal-Mart and she called their corporate insurance office and this is (above) the info they gave her. If she loses her insurance and I had not signed up for Medicare at 65, then I decided to sign up when we lost the insurance we have, then I have a time period(?) in which to sign up for Medicare without a $ increase in cost.
RD: I appreciate the info, Thank you so very much.