Why Do I Have To Apply For Medicare At 65? 
Medicare consists of Part A -LRB- hospitalization -RRB- and Part B -LRB- out of hospital coverage -RRB- . Assuming there are no extenuating health circumstances , you 'll recieve Part A when you turn 65 ; you will not be charged for it . Part B costs $ 95 -LRB- or more depending on your income -RRB- . However , you do NOT have to take Part B at age 65 . Example : if you have employer coverage , why would you pay for Part B - that would be duplicate coverage . So you can delay Part B until you lose your employer coverage . There are many more scenarios that may occur , but this is a very typical example . 