Since you are currently working, you have options:
1. Enroll now in Medicare Part A (No premium). No need to
enroll in Part B. As long as you are working, your
employer plan is your primary. After you retire from job,
you can enroll in Part B without any penalty premium.
Your total cost is $2,800 + $360 = $3,160.
2. Consider a Medicare Advantage Plan; you will have to
enroll in Part B ($110.50 per month). Depending on
how your annual $2,800 is spent currently, you may be
able to save. Use www.medicare.gov
your annual cost. Medicare Advantage is all in one
and is OK for healthy individuals.
3, If you want gold standard health insurance, take
Parts A, B, D and then a Medigap plan.
Also, you need to make sure, your dependents are
covered for health insurance. Please note that Medicare
is individual and not family coverage.
Disclosure: I am a Volunteer Medicare Counselor from NJ