@laura1970 I worked past 65. While one gets Part A immediately and there is no premium to pay and one is told to be sure to register for Part A....and for sure my employer insurance would have Medicare Part A pay first!......I was covered by my employer for Part B and Part D (credible insurance coverage) and when I did enroll I had no penalty. A call to Medicare will answer your question...wait time much better than calling your airlines!!!