I pay for part B ($100) and have Supplemental Insurance that runs me another $300 per month with SSDI. AARP only offers it for retired SS beneficiaries, but there are lots of other insurance companies. Some states cover these deductibles if she qualifies for "medically needy" Medicaid. Rates raise if you wait to pick up the extra coverage...

Urine tests are standard with pain docs. I've never failed one, but I'm still expected to have one WHENEVER my doc's offices asks. My insurance covers it, so I don't have your financial concerns though.

Docs have major liability issues with patients like us and many pain patients do doc shop, so I am empathetic to why they require patients to do this. I Actually like the fact that I have a long standing record that shows I've always been compliant.

I'd consider looking at primary care docs with a few severe pain patients, the pain clinic docs can be cynical and spread in IMO...