anjelmarie, I was told the same thing by medicare. that I would have to pay $110.00 per month premium and then pay for drug coverage in addition to that, if I wanted coverage for drug. however, there are special state subsidies for low income people who receive medicare. My state has picked up all premiums and also deductables and copayments because I am low income. I believe that each state is different. So perhaps you will not have to pay the premium (s). Since this is not starting until nov 1 you do have time. But you may want to check it out now. I am not sure how you would check it out except to call social security at 1-800-772-1213 7am to 7pm M-F. of you could try to call medicare 24/7 phone line at 1-800-633-4227. And ask them to give you phone number in your state where you can find out what subsidies there will be for you.

I hear ya re feeling much more isolated. this whole process has left me extremely isolated. I no longer even call people on the phone which is hard considering I am agoraphobic. Perhaps real friends will not judge others for having to be on disability?? I need to get over the humilation. But thats my lack of compassion toward myself. Safe hugs for you