This is a copy and paste of what I just posted on another thread. Sorry for the redundancy.

As a low income person, I'm eligible for partial Medicaid. It's called Special Low income Medicare Beneficiary (SLMB- not sure where the "I" went ). They pay for my Medicare premiums. There's also Qualified Medical Beneficiaries (QMB). Not sure what that is.

I am by no means an expert on this, and I believe it may vary from state to state, but it is worth looking into. They don't count things like a car or house ownership against you. It's been a godsend for me.

I also have "special help with Medicare pt D" (Rx insurance) that pays most of that premium, as well as a fair chunk of copays and deductibles.

You should be able to find information on these programs, including income limits, online.

Those managed care, hmo-type plans are something to look into, as ciderguy mentioned.

This will give you a lot of places to help you with your questions:

https://www.medicare.gov/contacts/