What should Mrs. Cook do to help with her Medicare costs?

The best course of action for Mrs. Cook to help with her Medicare costs is to inquire with her state Medicaid agency. Medicaid provides additional assistance for people with limited income and resources, which can significantly reduce or eliminate Medicare costs for those who qualify. Each state has specific programs that can offer help, including payment of premiums, co-pays, and out-of-pocket costs associated with Medicare. By contacting her state's Medicaid agency, she can gain insight into eligibility requirements and the types of assistance available in her state, which may alleviate some of her financial burden related to Medicare.

The other options, while potentially helpful, do not directly address the specific need for financial assistance with Medicare costs. Contacting a Medicare broker may provide general guidance on Medicare plans, but it won't offer financial aid. Requesting assistance from her primary care provider might yield some support in managing her care, but it does not address the cost concerns directly. Applying for federal financial aid might seem appropriate, but it is not directly aligned with Medicare's support mechanisms, which are typically managed at the state level through Medicaid.