With an AARP membership, there’s always more to discover! Check out your member benefits.
En español | The coverage gap or doughnut hole will gradually narrow until it disappears in 2020. If you reach the doughnut hole, you’ll get a discount on brand-name and generic prescription drugs while you are in the coverage gap. This means you will not have to pay 100 percent of the cost of all your drugs while you are in the coverage gap, as you would have had before the health care law was passed. Exactly how much you pay out of pocket will vary widely depending on the Part D plan you are in and the price your plan has negotiated.
However, even after the coverage gap is gone, everyone on Part D will still have the same level of cost sharing — about 25 percent — from the time you meet your deductible until the time you reach catastrophic coverage. Catastrophic coverage remains in place even after the coverage gap goes away. Catastrophic coverage starts when your total out-of-pocket drug costs have climbed to a certain amount. After that point, you only have a 5 percent copay.
Return to Medicare Q&A Tool main page >>
Enter address, city, state, or ZIP code.
Driver Safety (0)
Tax Aide (0)
Entertainment & Dining (0)
Healthcare & Insurance (0)
Financial Services & Insurance (0)
Member Local Offers (0)
Visit the AARP state page for information about events, news and resources near you.
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at