Question 13 (Mandatory) (5 points)A donut hole or gap in payment causes an out-of-pocket costs that…

➤ How can beneficiaries reduce expenses while in the coverage gap?
Choose generics or lower-cost therapeutic alternatives, use preferred pharmacies, and consider mail-order or 90-day supplies. Talk with your prescriber about cheaper options and look for manufacturer savings programs. Also compare Part D plans during open enrollment to find one with better gap protection or lower overall costs.