How To Avoid The Donut Hole In Medicare. Even with a medicare part d prescription drug plan, medicare beneficiaries throughout the country find themselves struggling with the cost of their prescriptions. If you are taking expensive prescriptions, or are on a higher number of medications, sometimes there is just no avoiding the coverage gap.
Once you hit that amount, you enter the medicare coverage gap. The medicare part d donut hole, or coverage gap, is one of four stages you may encounter during the year while a member of a part d prescription drug plan. If they don’t make a generic for the brand name drug that you take, talk to your doctor to see if there is a similar drug you can take that does have a generic.