Get your application in to income support ASAP. I just got a refund of over two hundred bucks for part B premiums that I paid, since app was accepted and it's determined that I'm eligible for state subsidy. Did take a long time to process app. MA tends to have the most generous social safety net, so they probably help at least as much as my state does. Good luck with it. It saves you over a thousand dollars a year. I'ld go right ahead and put it on a credit card, if I had no other source of the money (about $104.00/ month.) Getting the subsidy might be dependent on being enrolled in Part B.