What if a client does not want to use government-sponsored health coverage? Are they required to apply for Medicare coverage?

Medicare enrollment is not mandatory. Individuals who qualify for Medicare can choose not to enroll in coverage. However, keep in mind that if an individual chooses to enroll after initial eligibility, they may have incurred late enrollment penalties. The amount of these penalties increases the longer enrollment is delayed. For this reason, it is strongly recommended that individuals enroll in Medicare when they first become eligible.