There are 2 people in this household who are signed up for Medicare but not drawing SS benefits yet. I will draw when I turn 66 (several months from now) and the hubs will draw at 70 (few years yet). I don't know much of anything about the various supplemental plans.........we're on Tricare from his military service.....but I do know you can sign up for Medicare at the appropriate time (3 months prior to actually turning 65) and not be required to draw on your benefits.