I just got Medicare via SSDI. I had the option of refusing Medicare but a salesman who sells supplements told me if I refused it I could not get it until I'm 65.

Now that I've learned about Doughnut Holes in Part D Rx plans, it appears that it would be more cost effective for me if I got a plan through the Affordable Care Act aka Obamacare. When I called Medicare about opting out, I was told that since I did not decline in when first eligible, I CAN'T GET OUT of Medicare. They take $200 out of my SSDI check for Medicare and now I'm in the maze of trying to pick a Part D plan with a formulary that includes all my meds AND a Medicare Supplement. Its really confusing and makes me angry that I cannot opt out of Medicare.

Any guidance appreciated. My brain doesn't work Luke it used to. I think its the Gabepentin.