No, enrolling in Medicare upon reaching the age of 65 is not obligatory. You have the flexibility to enroll in Medicare Part A and Part B whenever you choose. However, it may be advantageous for you to enroll in Medicare when you’re initially eligible, which coincides with your 65th birthday and eligibility for Social Security benefits. At this time, registering for Medicare maximizes your options for selecting a healthcare plan. You have the liberty to retain your existing health insurance or opt for a Medicare-sponsored plan. Moreover, when registering for Medicare, you can simultaneously enroll in Part D for prescription drug coverage.
For those with Original Medicare who prefer to maintain their current plan, signing up for Part D prescription drug coverage isn’t compulsory. Similarly, if you’re already receiving disability benefits and have Medicare coverage, enrolling in Part D is optional unless it’s your preference. It’s recommended to enroll in both Medicare Part A and Part B when you’re first eligible to avoid delays. If you decide to enroll in Medicare at a later stage, you might encounter a seven-month period before your coverage takes effect.
