How You Can Avoid Medicare Part D “Donut Hole”

Blister packs of pills

If you take prescription medication, you’re probably aware of the importance of drug coverage through Medicare Part D. It doesn’t matter if you have a Medicare Advantage prescription plan or a stand-alone Medicare Part D, you can easily pay for your drugs round the year.

However, when you’ve spent a certain amount from the Medicare drug plan, you reach a coverage gap that’s known as a donut hole. A donut hole is a temporary limit on the payment that will be made through your Medicare Part D plan.

The best way to avoid the donut hole is to keep the drug costs low and to not go beyond your drug coverage limit. Even if you go beyond your limit, different medication assistance programs can help you pay for your prescription drugs.

Here’s how you can avoid the donut hole.

Purchase Generic Prescriptions

Most branded medicines have generic alternatives that are less expensive than their branded counterparts. Generic drugs are regulated by the US Food and Drug Administration. They contain the same ingredients as the branded version, the same dosage, and they’re also administered in the same way. That’s why they’re proven to deliver the same effects.

Therefore, when you know that your medication cost will exceed the Medicare Part D drug plan, it’s best to ask your doctor to prescribe you generics.

A pill organizer

Get Your Medications Delivered in Advance

Most of the Medicare Part D plans offer discounts if you get a three-month supply delivered instead of choosing a monthly supply. Sometimes, pharmacies can also deliver you a 90-day supply of medication at a lower cost. Therefore, it’s worth comparing per-pill costs and exploring different delivery options to save money. Some drugs can’t be ordered in bulk. But for those that you can, it may result in significant savings.

Get Extra Help from Prescription Assistance Programs

The Low-Income Subsidy program, also known as the Extra Help Program, offers financial assistance for Medicare Part D drug plan costs. To qualify, you should have a certain level of limited assets and income. The specific assistance thresholds change every year.

Some states, like Florida, also have patient assistance programs for medications.

Enroll in Low-Cost Medication Programs for Elderly

The Rx Helper provides prescription assistance for medications. We run several prescription assistance programs for uninsured and under-insured individuals who can’t afford routine prescription medication. Get in touch with us for affordable medication programs that cost as low as $39.95 per month.


See If You Qualify For Prescription Assistance

Leave a Reply

Get In Touch

Call Us Now for a Free Consultation


Collect Free Consultation Service From Our Experts

By submitting your phone number on this website, you agree to the following terms and conditions:

  • You consent to receive SMS messages from The Rx Helper.
  • You understand that SMS messages may be sent to you regarding important updates about prescription assistance programs, medication reminders, and other relevant information related to healthcare services.
  • You may opt out of receiving SMS messages at any time by replying to any message with the word “STOP” or by visiting our website at https://www.therxhelper.com and clicking on the “Unsubscribe” link.
  • The Rx Helper will not share your phone number with any third parties without your consent.
  • You can review our privacy policy at [here] to learn more about how we collect, use, and protect your information.

Please note:

  • Message and data rates may apply.
  • We may use a variety of methods to deliver SMS messages, including short code and long code messaging.
  • We reserve the right to modify these terms and conditions at any time, so please check back periodically for updates.