Oh wow Mr. Macabre, I am so sorry for what you are going through.
Having your knees drained multiple times seems to indicate a chronic problem. It also sounds like you've got it in both knees. I had one knee drained before replacement.
I'd talk with your orthopedist about getting a recommendation to replace your knees, total replacements.
As for insurance, I don't know your situation other than what you describe. Your on Social Security. You would need to subscribe to part B and then have either a Medicare Advantage plan or Medicare Supplemental plan. Advantage is much less expensive and operates like an HMO. That's what I have and my surgery bills have been very low and I'm able to work with one of the top hospital systems in my state.
You could also see if you qualify for Medicaid.
Again, I'm sorry for what you're going through. I hope my suggestions help, and I hope you can find a better place.
All the best to you and your family.
Joe
We have our medical insurance through my wife's employer of almost 30 years. She'll be 62 next month, so she still has a few years before she can retire. I was forced to walk away from my job in '15 and go on permanent disability. It's been a huge decrease in our income for going on 10 years, and it seems like we are falling further behind every year. Hence my thoughts on throwing in the towel and staying away from those "specialists".