There are exceptions such as receiving Social Security Disability for more than 24 months. In addition there are many complex rules if you are staying on an employers health plan after age 65. Every year many people miss out on their enrollment and are subject to permanent financial penalties as well as time penalties because they are waiting for Medicare to contact them. Medicare will only contact you if you are receiving Social Security Benefits even then it’s better for you to take the initiative and contact Medicare directly to enroll
medicare.gov or 1-800-Medicare.