You automatically get part A when you turn 65. You sign up for part B when you no longer have work insurance and you don't have to sign up for part D. It's kinda thrown in...LOL. I started drawing SS when I turned 62 and had to furnish all my ins. since I was no longer working. At 65 I now get medicare part A&B, but it's kinda turned over to Humana and they are my suppliment ins. now. I pay only $28 a month as I need little dr. care during the year...I hope. I f my health fails I will get the $98 policy. They cover everything. Hope this helps....Glenda