I need to apply for medicare and I’m not sure what to do. Do I just apply for Original Medicare parts A,B, and D or should I get the Medicare advantage? I was on my husbands plan through his work and I had just met my out-of pocket cost. He’s losing his coverage and he is going on COBRA until he can find something else. I can’t go on COBRA it’s way too expensive and again I had already met my out-of pocket for this year. It’s so frustrating. Here I am with RA, have already met an out-of-pocket this year and now I am forced to start over. Money is a real issue at this point. Any suggestions? I’m due for my biologic in a few weeks. It’s so scary.