過了65歲，一定要至少先加入Part A。如果你公司保險比Part B合算那可以暫緩，等以後再加入。。。

但有一點要注意的是Part B's post acute care is often much better your comapny's plan. So even though you might pay a little bit more in Part B premium compared to your company's plan, it might still be worthwhile. If you are a federal employee, the joining a MA-sponsored Medicare plan can even save on Part B premium.