You live in NY State. You, at 65 will sign up for Social Security which will include Medicare. It WILL NOT cover everything. You WILL need a supplemental insurance. Northeast Blue Shield Senior Blue for me is, this year, as well as next, $99/month with another $12 for the dental option. There are other similar plans in NY State. The AARP supplement for the best option for me was close to $400/month over and above Medicare. AARP uses United Health Care, rated crappy and accepted by fewer doctors then Blue Shield, MVP, CDPHP or whatever is in the Rochester area.

If it says AARP on whatever appears in the mailbox, it makes it to the recycle bin. I joined at age 55 - paid for 3 years only for hotel and rental car reservations. I'm well past 55 now, never paid another penny and still get their garbage lib magazine and supplement which are never read.