Ugh. I wish they would just make Medicare optional. (I almost said, "make Medicare go away," but I guess it MIGHT benefit someone.)

In my state, poor non-disabled people get free or very low cost health insurance. If you are disabled on SSDI, then you have to pay a whopping $104 a month for insurance. If you are like me and cannot afford $104, you don't get health insurance at all (other than for hospitalizations).

Thanks for the warning!!!!!

Check out if you're eligible for your state to pay that $104 for you. Lots of states do. It's a special form of Medicaid. I'ld be very surprised if Massachusetts didn't do this also. You have to apply through your Health and Human Services, Income Support Division (at least in some states.) No one really lets you know about stuff like this, if you don't ask. I was refused general Medicaid, but got approved for this.

Until I got this to kick in, I was paying that $104 out of my SSDI, which was a great hardship on me. Now the feds are refunding me what I paid over the past few months. I know cost of living is high up where you are, but I'ld think twice about going without that Part B coverage. You might regret that.