Alert
Close

Dylan Talks! AARP exclusive interview and in-depth look at the American icon. Read now

AARP's Medicare Question and Answer Tool

I want to be sure I understand the Part D “doughnut hole” or coverage gap. Could you tell me how it works?

 

En español | Part D prescription drug plans require monthly premiums, often a deductible and variable cost-sharing for each prescription drug. In 2015, if your total drug costs (what you and your plan pay) exceed $2,960, then you will fall into the coverage gap (“doughnut hole”).

During this gap in coverage, you continue to pay your premiums, and you will be responsible for a much greater cost of each prescription than before you entered the gap. The cost of prescriptions are discounted, however: in 2015, you’ll get a 55 percent discount on brand-name drugs, and a 35 percent discount on generic prescription drugs. If your out-of-pocket costs exceed $4,700 in 2015, then you would enter the “catastrophic” coverage phase, during which you are responsible for 5 percent of your prescription drug costs for the rest of the year.

Through gradually increasing discounts on brand and generic prescriptions filled during the doughnut hole, it is being phased out by 2020. Persons who qualify for an Extra Help program will not face additional cost-sharing for prescriptions filled in the doughnut hole.

 

Search Medicare

Enter a keyword below to find answers to your Medicare questions.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Prescription medication spilling out of bottle

Members get a free Rx discount card from AARP® Prescription Discounts provided by Catamaran.

Grandson (8-9) whispering to grandfather, close-up

Members can save 20% on hearing aids with the AARP® Hearing Care Program provided by HearUSA.

Membership Discount Benefit Pet Plan Dog

Members save 10% or more on Petplan pet insurance premiums.

Member Benefits

Join or renew today! AARP members receive exclusive member benefits & affect social change.