I was really surprised that you have that much out-of-pocket expense, so I did a bit of research on Medicare Advantage plans. It seems they can differ quite a bit, depending on who offers the plan AND on where you live.

If SSDI is your only income and you don't have much in the way of assets, then you should look into seeing if your state will pay your Medicare Part B premium for you. That will depend on what state you live in and how low your income is. Go to your local state Income Support office and apply for the state subsidy that pays Part B for you. (This is the same office where you apply for foodstamps.) This is an extremely good benefit to have. For more info, here's a link: SLIMB | The Medicare & Medicaid Center

I get SLIMB, myself. This benefit is offered by your state's Medicaid program. But you don't have to be a traditional Medicaid recipient to get it. I'm not covered by Medicaid for anything else - only for SLIMB. I get my full SSDI check with no Medicare premium deducted out of it. As you know, if you're paying it, that adds up to well over a thousand dollars a year. Plus, I think, once you get SLIMB, it can make you eligible for other things.

The next thing you should do is see who else is offering Medicare Advantage plans in your area. In any given area, I don't think they vary all that much, but check it out anyway. Make sure you tell the companies that you are interested in the plan that charges you the least in copays and premiums. In some areas, there are Medicare Advantage Plans that charge absolutely nothing in the way if a premium. My boyfriend has a Humana Medicare Advantage Plan, and he pays no premium.

The insurance company who covers you may have an alternative plan that wouldn't cost you as much out of pocket. It might require you to change some doctors, but that might be worth doing, if you end up saving a bunch of money.

Where you are living could be the cause of some of your expenses.

As you probably know, you have to wait till October to switch to a different plan.