Well, somebody lied to you.  I turned 65 this last May.  Now, since we still have medical insurance because we are still working, Medicare won't allow me to opt out because of that.  Until January, I don't get to get a Social Security payment but for six months of the year.

However, they still want me to pay for Medicare for all those months since I turned 65, so even though I should have gotten a check for last month, I won't get anything until about the first of the year.  They (meaning the WELL-INTENTIONED government) darn sure want their money RIGHT NOW!!!

So, they are taking my first couple of checks (that I was entitled to) to pay for that Medicare.

I've already contacted our U.S. Representative and our two Senators with a complaint that I ought to be able to just sign a waiver and opt out of Medicare.  (Crappy government.)  Not likely that they can do much.  The bureaucracy is too entrenched in their own rules, which by the way, very few can understand.

Terry