I'm assuming that you mean a monthly premium – something that I have never paid, and/or a co-pay; something that I paid at one time.

I've had United Healthcare since I first became eligible in 2002. They have no-premium plans and high premium plans. Naturally, the higher the premium the more perks and (usually) the lower the co-pays. I've found this to be the case with every Medicare health management program. However. In my state, coverage varies from county to county so I assume that it would vary state to state and even county to county in each state.

My state has several Medicaid sponsored programs to get people out of nursing homes and to keep people out of nursing homes. To that end, Medicaid pays for any co-pays or health gaps. I pay for rent, utilities, food, etc., everything to maintain a home, but I pay nothing for medications, hospital stays, doctor visits, etc.

You may want to see if there are no-premium Medicare providers in your state and, if your disability has the potential to land you in a nursing home, if there are Medicaid programs that can keep you out.

Good luck.