Bipolar doesn't necessarily mean you can get Medicare. If you qualify for disability (which is often difficult to get approved and often takes a couple of years) then about 2 years after your "date of disability" you get Medicare, assuming you have SSDI which means that you worked long enough to pay into the system long enough and in the right pattern of fiscal quarters.

Medicare has 3 parts. Part A is hospitalization only. It has a set deductible around $1200-$1300. It covers everything in the hospital after the deductible except doctors which are covered under Part B at 80%/20% copay. Part B covers out-patient, so dr.visits, labs, testing, ER, etc. It is 80% covered/20% patient responsibility so it adds up fast (blood work is free for some reason that I'm extremely thankful for). Part D is medication and it is very complicated. Most plans have a deductible I think of a few hundred dollars. After you meet that you have a set of co-pays up to a limit I don't remember. That limit puts you in the "donut hole" which means you don't have coverage until you meet another limit. AFter that limit you have co-pays again but usually they are much lower. I only went through that once and then found a plan that is quite low cost for me. I get my expensive meds free through programs sponsored by drug companies because the Part D co-pay is too high (name-brand APs are hundreds of dollars per month beforeth donut hole where they could be a thousand or more; I can't afford that).

For Med B I have a monthly payment around $100 I think and then Part D is about $30.I buy my own dental and vision coverage which aren't related to medicare at all but are necessary since a pair of glasses would wipe out more than my savings and my teeth require hundreds of dollars of work annually thanks to meds.