I have just recieved my disability and by the time they docked me a year and then another 5 months my medicare does not start till Dec. of 2006. My bill collectors are driving me nuts. Now I cannot turn the bills into medicare for another year. Has anyone out there went threw this problem and how do you handle the bills..Not pay them and wait or pay a little on them and explain to them what happened? I would appreciate any input.Thanks.