In the Donut Hole

This is a not prompt day for me because I want to rant.  Being in the donut hole is not a good thing, as it is not powdered, or glazed, or chocolate, or cinnamon, it means Medicare wants me to pay more money for my medications because of a coverage gap in Medicare Part D, the prescription drug insurance program.  I am new to Medicare and I just found out today that I am in a coverage gap because my drug plan has spent a certain amount for covered drugs.  I paid my deductable which is the expense that is required before I get to nibble away at the donut.  It seems that I have already consumed half of my donut now, putting me at the point where I encounter the hole, so I have to pay more for my drugs during this coverage gap.  The donut hole period goes from the point where the insurance company has covered $3,750 in medications up till it reaches $5,000 and then I would enter this thing called catastrophic coverage, which is the next part of the donut, what comes after the hole.

My out-of-pocket costs are going up and who knew that Health Care was going to be so complicated.  I have to keep paying higher costs till I get through the hole, and then I will get lower prices again.  I got mad when I saw my prescription was 4 times what I paid the last time, so that is why I am ranting.  While I am in this donut hole, they say that I will have to pay no more than 35 percent of the cost of a covered brand-name prescription drug, and 44 percent of the cost of covered generic drugs.  My doctor is working out what drugs I need to get my blood sugar down and some of these are expensive, as it will cost me $448 more for this drug, and I may never eat another donut again.

12 thoughts on “In the Donut Hole

  1. They sell donut holes at Dunkin’ Donuts. They’re delicious. You just pop them in your mouth and…. oh wait, that’s not what your post is about, is it? My bad.

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  2. Have you tried low carb/keto? It may turn out that you need less medication. Many people have found it to be so. (References – Gary Taubes’ book, “Why We Get Fat”; Tim Noakes re Banting Diet, Dr Sarah Hallberg; Dr Richard Bernstein, “Diabetes Solution”. As a Type 1 Diabetic of nearly 50 years, I had rollercoaster blood sugars until I went low carb against the advice of the medical “establishment”. Do your own research. So much for the brilliant health care system!

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