Hi I do not have medicare but I do have regular insurance. Mine is 90/10. My out of pocket was 2,000 for the year. My doc did my trial and it was a copayment of 30 dollars cause it was done in office. My permanent was done in the hospital and the bill was 130,000 dollars. My insurance would only allow them to charge me 80,000. They did mine without payment upfront and I was able to make payments to the doc, the ansesia, and the hospital. No one made me pay of front so that was good. I make them like 20 dollars amonth if I can. Maybe they will let you make payments. Hope this helped some even though I dont have medicare maybe you can wrap your head around some numbers. Good Luck!!