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FAQ’s About the Donut Hole

While researching Medicare Prescription Drug Plans with your HRBC 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.

Review Your Medicare Part D Options now. For more information about your Medicare Advantage Plan and Medicare Supplement options, or to speak with one of our Medicare trained agents, fill out the contact form to the right.

Calling the numbers above will direct you to a licensed insurance agent/broker Monday – Friday: 8am – 5pm. For more information, call toll free 1-877-651-7526 TTY 711 (national relay). HRBC Insurance represents various Medicare Advantage (MA) and Prescription Drug Plans (PDPs) as well as other types of health plans. Each of these Medicare Advantage plans has a separate contract with Medicare to offer Medicare Advantage plans. Enrollment in one of these Medicare Advantage plans depends on contract renewal. Other Physicians/Providers are available in our network. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. Limitations, copayments, and restrictions may apply. This plan is available to anyone who has both MediCal Assistance from the State, and Medicare. Premiums, co-pays, co-insurance and deductibles may vary based on your Medicaid eligibility category and/or the level of “Extra Help” you receive. Please contact the plan for further details.

By providing my e-mail address or telephone number, I agree to allow an HRBC agent to contact me regarding:

1) Information related to plans and products indicated above.

2) Scheduling an in-home visit to discuss these plans or products indicated above



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