Can You Sign Up For Medicare For 2014 Now? 
You should sign up for Medicare three months before reaching age 65 , even if you plan to delay receiving retirement benefits because you are working . Otherwise , your Medicare medical insurance , as well as prescription drug coverage , could be delayed , and you could be charged higher premiums . You can sign up for Medicare even if you are not ready to start receiving retirement benefits . You can opt out of receiving cash retirement benefits now once you are in the online application . Then you can apply online for retirement benefits later . Source for above : medicare.gov This also means you can sign up for a Medicare Advantage Plan or a Medicare Supplement and/or a Prescription drug plan . If you have any questions contact me or go to the site 