I am 62 this year and can anyone tell if I do not retire then, will the basic benefit be more at 63,or 64 or is there only a benefit for just 62 & 65. Ie; is there anything to gain by going to 63 before retire?

If you were born in l938, your age for full retirement is 65 years and 2 months.
from http://www.ssa.gov/pubs/10035.html#Part 1 :
"If you take early retirement, your benefits will be permanently reduced based on the number of months you will receive checks before you reach full retirement age. If your full retirement age is 65, the reduction
for starting your Social Security at age 62 is about 20 percent; at age 63, it is about 13 and 1/3 percent; and at age 64, it is about 6 and 2/3 percent."

How & when does Medicare or Medical begin or become available?

Age 65. You can apply as early as 3 months before your 65th birthday.

WTR