If you are low(ish) income, then perhaps you can find out through the state of NJ if there is affordable insurance that they subsidise. I paid a fortune in premiums before I was told I could get very low cost excellent health care insurance through the state of VT. I am not saying all states are as good with this as mine. But perhaps something could be available that you do not know about.

When I got on to medicare I lost this very generous state subsidised insurance. Perhaps you could check with your state to find out if anything is avaialble, if you are low income. Good luck.

For what its worth, for me medicare is not so great. My naturopaths office ( I pay out of pocket for her) is trying to find a therapist for me to see who is covered by medicare,(and also medicaid that picks up my copayment and deductable because I am low income) The answer so far is there are no therapists in my area who are covered by both. So, now that I have gotten on to psychiatric disability I am not able to be in therapy. I even have to pay 50% copayment to go to the psychiatrist. Because medicare only covers 50% of psychiatric fees. It feels like a cruel system. I am sorry if someone who is reading this works for "the system". This is just my expereince.