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Calculating Budget

The Donut Hole Explained

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Medicare - The Donut Hole Explained -

Whether you get your prescription drugs through a Medicare Advantage Plan with prescription drugs or through a stand-alone Medicare Part D plan, there are some gaps in coverage that you need to be aware of.  These gaps are commonly referred to as "The Donut Hole."

When you get a prescription drug plan, there are 3 different stages of coverage.  Let's take a look at them.  All numbers mentioned below are for the 2024 calendar year.

**Calendar Year**

The calendar year runs from January 1st to December 31st each year regardless of when you got your prescription drug coverage.  It is impossible to avoid the donut hole by changing plans in the middle of the year.  

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