A lot of programs require that you do accept part B Medicare insurance when you are eligible. A program that helped me when I had no coverage of any kind made that real clear. Now I do have part B and the program that I was in now picks up the co-pays. Sounds like you were not made aware that's how it works. That's a tough spot you're now in.

One option might be to just go to anyone who'll treat you, and then just ignore the bill for as long as you can't pay it. Another is to go to an emergency room and then, again, ignore the bill.

I guess, by now, you understand that you're supposed to pay that $104, even if it takes a big chunk of your SSDI check. The reduction that makes in your disposable income can then make you eligible for other forms of help. Be sure and apply for all other subsidies that you might get - like fuel, telephone, Internet and food stamps. What you'll get from all of those might free up the $104 that you need.