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Catastrophic Coverage
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Medicare drug plans have an annual limit for drug coverage. When the patient and the drug plan have spent a designated amount of money for covered drugs, and the limit is reached, the patient must then pay all costs for prescription drugs until they hit the yearly limit. This gap in coverage, when a patient must pay all out of pocket costs is also referred to as the "donut hole". Once a plan's out-of-pocket limit has been reached, catastrophic coverage automatically goes into effect. Catastrophic coverage assures that once the plan's out-of-pocket limit for covered drugs has been met; only a small coinsurance amount or copayment is required for the rest of the year. 

Note: With the Extra Help program, there is not drug coverage gap, and either a small or copayment or none at all after reaching the catastrophic coverage.
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WomenHeart of the Piedmont-Triad/Cone Health

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WomenHeart: The National Coalition for Women with Heart Disease is a nonprofit, 501(c)(3) patient advocacy organization with thousands of members nationwide, including women heart patients and their families, health care providers, advocates and consumers committed to helping women live longer, healthier lives. WomenHeart supports, educates and advocates on behalf of the 42 million American women living with or at risk of heart disease. Our programs are made possible by donations, grants and corporate partnerships.

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