If you aren’t careful about the timing of your Medicare enrollment, you could make a very costly mistake — one that will cost you for the rest of your life. The first decision date for Medicare is at age 65 — even if you are still working, covered by your employer’s health plan (or your spouse’s employer’s health plan), and not receiving Social Security benefits yet. This is especially important if your health plan is sponsored by a small employer (less than 20 employees). Read on for the details.
http://www.huffingtonpost.com/entry/how-to-avoid-medicare-enrollment-mistakes