Coco - check into Medicare Advantage plans in your community. They are HMOs. An HMO is going to somewhat restrict your choice, but for most people, the savings is well worth it. Plus you can switch to a different HMO every year, so they try to keep you happy.

Here's a link: https://www.medicare.gov/find-a-plan...ions/home.aspx

Here's another link: https://www.bcbsok.com/employer/bluelincs_hmo.htm

Also, if there is a state run hospital in your area (like one affiliated with a state university,) that hospital might have a special set up for area residents.

Depending on your income, you might be able to get your state Medicaid to pay your Medicare Part B premium for you. You would go to your local Income Support Services office (where one applies for food stamps,) and apply there.

If your only income is Social Security (and you don't own any real estate,) then no one can really sue you for anything. If that were your situation, then you could simply default on medical debt.

Yeah, if you don't pay, the hospital might report it to the credit bureau. Ask yourself what that will really do to you.

Here's another option: tell the hospital you're going to start paying them $75/mon., instead of $125. They may just have to settle for what you give them.

We in this country have to start getting as ruthless with the healthcare industry, as it is with us.