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 12 licensed agents
Answered by Michael Pyers on April 11, 2025
Broker Licensed in OH & MI
Answered by Clarence "Mark" Christiansen on April 2, 2025
Agent Licensed in WI, AZ, CA & 16 other states
Answered by Tony Capraro III on April 16, 2025
Agent Licensed in NH
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 Deb Haley on April 11, 2025
Broker Licensed in MA, CT, FL & 10 other states
Answered by Diana Pedersen on April 20, 2025
Agent Licensed in WA & ID
Answered by Debra Weber on March 31, 2025
Broker Licensed in PA, DE, FL & 5 other states
The challenge however is that many prescription plans changed thier formularies in 2025 and sent notices advising thier clients but many customers did not fully understand the cost changes or of prescriptions that thier plan would no longer cover.
Answered by Mike Sosso on May 13, 2025
Broker Licensed in TX, AZ, NC & SD
Answered by Jennifer Dixon on May 5, 2025
Agent Licensed in GA & TN
Answered by Brandon Brown on April 26, 2025
Agent Licensed in KY
Tags: Coverage Medicare Part D Prescription Drug
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