Zeke, I don't believe that is correct. Unless I am misunderstanding what you are saying.
https://www.aarp.org/retirement/social-security/questions-answers/enroll-medicare-not-ss.html#:~:text=You%20will%20have%20to%20pay%20Med icare%20directly%20for%20all%20coverage,get%20Part %20A%20for%20free).
Part A is free if you qualify for Social Security, even if you have not claimed benefits yet, but Part B carries a premium. In 2023, the standard Part B premium is $164.90 a month; it goes up for beneficiaries with incomes above $97,000 for someone who files an individual tax return and $194,000 for a married couple filing jointly.
If you are not yet receiving Social Security benefits, you will have to pay Medicare directly for Part B coverage. Once you are collecting Social Security, the premiums will be deducted from your monthly benefit payment.