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Do I Need to Enroll in Medicare at 65
If someone is already enrolled in Social Security benefits they will automatically be enrolled in Medicare A and B at age 65 and can optionally dis-enroll from Medicare Part B but not Medicare Part A. (Individuals can enroll in Social Security as early as age 62 or earlier if disabled, although many people wait until their Full Retirement Age (FRA) which is age 66 for people born between 1943 and 1954)
If someone is not yet collecting Social Security benefits (collecting can be delayed until age 70) then they can “manually” enroll in Medicare A and optionally B at age 65.
If someone works for a company with fewer than 20 employees then they need to find out if the insurance company carrying their coverage requires both A and B (some require just A while others require both A and B.)
If someone works for a company with more than 20 employees then they do not need to enroll in Medicare at all if they don’t want to. Again, if they are enrolled in Social Security benefits and turn age 65 then enrollment will then be automatic.