What I learned about Medicare and "supplement" Medicare

[OKNancy]

13. Isn't there a penalty if you don't sign up for B

during the initial enrollment period? By penalty, I mean it will cost more.

I will turn 65 in Jan. I don't know what to do. I'm retired already, and don't have any coverage.
I haven't been to the doctor in over 20 years except for mammograms. I'm very lucky.

I could afford around $250.00 per month. My husband will be getting his on the Obamacare program. He is only 60.

Edit to add... I just read this:

There are NO annual enrollment periods for Medicare Supplements, contrary to popular belief. You have a 6-month initial enrollment period when you first turn 65 or enroll in Part B. During this time, there is no medical underwriting or health questions. After that time, you can sign up for a supplement or change your supplement at any time; however, you do have to answer health questions.

--- this would make a difference for me I bet. I'm healthy, but would be considered overweight by the insurance industry.