First I would say yes to the wait until medicare....however if you need the treatment now, I would suggest that you look into a patient assistance program at your place of medical treatment, like the hospital where you used the ER, I am on medicare and would not be able to get the treatment I need without it. I did have some large copays also and I thought I would never get any assistance from the patient program but I am really glad that I gave it a shot, and they did help with all the leftover co pays.....ask if they have an patient assistance program and pursue it..I think you will be surprised. I also applied for assistance from the drug manufacture for my blood thinners and wow.....they have supplied me with all the blood thinners now for 3 years....for a total of about 4k per year....good luck and I hope this helps you get the care you need.