i'm not 65 but i'm on ssdi.
i researched for months on my medicare decisions. and stressed too.
i went on the medicare.gov site and spoke to the representatives for several hrs.

i chose an expensive option. i couldn't bring myself to do an HMO so went with original medicare. being in an HMO may bring down your costs but limit your healthcare delivery options. you have to stay in their system.

then i decided to pick a medigap plan.
then i picked my part D, or drug, plan.

between the premiums and all the meds i'm on it's going to run me about $1100/mo. i'm on copaxone and don't yet know what that will cost me. i'm hoping that shared solutions will offer some help. it all kicks in 4/1 and i'll shell out $4050 in the donut hole.

it's all rather complicated and will take a lot of investigating so get started early.

good luck.