Oklahoma • Medicare Part D
How to Avoid the Medicare “Donut Hole” in 2025
One of the most confusing parts of Medicare is the Part D coverage gap, also known as the “donut hole.” Oklahomans often find themselves paying more for prescriptions once they hit this gap. Here’s how the donut hole works in 2025—and how to avoid it.
What Is the Donut Hole?
The donut hole is a temporary coverage gap in Medicare Part D. After you and your plan spend a certain amount on prescriptions, you enter this stage and pay a higher percentage of drug costs until catastrophic coverage kicks in.
2025 Thresholds
- Initial coverage limit: $5,030
- Catastrophic coverage starts: $8,000 out-of-pocket
- During the gap, beneficiaries pay 25% of drug costs
How to Reduce Costs
- Choose generic or lower-tier drugs when possible
- Use preferred pharmacies within your plan
- Compare Part D formularies during open enrollment
- Ask about manufacturer assistance programs
Anchor’s Medicare Guidance
Anchor Financial Group helps Oklahoma retirees review medications annually to ensure they choose the Part D plan with the lowest overall costs.
The donut hole doesn’t have to drain your wallet. Anchor helps Oklahomans manage costs with smart Medicare choices.