Most Medicare drug plans have a Coverage Gap (or “donut hole”). This is a gap in drug coverage between the Initial Coverage Period and Catastrophic Coverage Period.[1]

During this Coverage Gap Period there is a temporary limit on what the drug plan will cover.

With that in mind, some Medicare drug plans offer Gap Coverage. If your plan offers Gap Coverage it will offer more robust coverage during the gap. Meanwhile, some plans won’t have a coverage gap at all or will have a coverage gap period of a reduced length.


  1. Costs in the coverage gap. Medicare.Gov.