I suggest you contact your Area Agency on Ageing (they will be called by a variety of names, but look for one who is your region'sA.A.A.) For example my local AAA is Senior Services of SEVA If you call your state government, Social Security Administration or look in the blue pages you will find a department who has this list of AAAs. (I can''t be more specific as I do not know what staet you live in) They provide free counseling on your best options, based on your health, medications, doctors, and finances.

I have used them for years, as have several friends, and we swear by them as they are unbiased. The government pays these organizations to counsel folks on Medicare plans (and work with anyone on/soon to get edicare, regardless of age)