I'm worried about the 'donut hole' in my Part D plan. How do I manage my medication costs once I enter it?
Answered by 5 licensed agents
Answered by Clarence "Mark" Christiansen on April 2, 2025
Agent Licensed in WI, AZ, CA & 16 other states
Answered by Amy Putrino on March 25, 2025
Agent Licensed in RI, CT, FL & 11 other states
Here’s the quick backstory: the donut hole was a gap in Part D coverage where, after hitting a certain spending threshold ($5,030 in 2025), you paid a bigger chunk of drug costs out-of-pocket until reaching the "catastrophic" phase ($8,000 in 2025). Pre-2020, you’d foot 100% of costs in that gap. By 2020, it shrank to 25% for both drug types, effectively "closing" it. Now, in 2025, you’ll never even feel a gap—once you spend $2,000 out-of-pocket (including deductibles and copays), Part D kicks in to cover 100% of your covered drugs for the year. No more weird middle zone. It’s simpler, cheaper, and a lot less stressful for anyone juggling multiple prescriptions.
Answered by Phillip Lovelady on March 25, 2025
Agent Licensed in TX
The "Donut Hole" no longer exist.
There is also a payment option to help you manage your monthly expenses.
Answered by Robert Fracchia on April 1, 2025
Broker Licensed in MI, FL & NC
Answered by Debra Weber on March 31, 2025
Broker Licensed in PA, DE, FL & 5 other states
Tags: Coverage Medicare Part D Prescription Drug
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