While researching Medicare Prescription Drug Plans with your Unified representative, you may have questions about the “donut hole”. The “donut hole” is simply a gap in coverage that occurs once you and your plan have met a pre-set spending limit for medications. When that limit is reached, the prescription drug plan stops paying, and you are responsible for 100% of your medication costs, for a time. If you reach the next spending plateau, the prescription plan kicks back in and pays an even higher portion of your drug costs. Keep in mind that every prescription drug plan currently comes with a donut hole and the good news is that many people never reach the donut hole! This coverage gap should be phased out by 2020.