Coverage Gap
If you have high drug costs, you may consider which plans offer additional coverage until you spend $4,350 (in 2009) out-of-pocket. In some plans, if your costs reach an initial coverage limit, then you pay 100% of your prescription costs. This is called the coverage gap. This “gap” in coverage is generally above $2,700 (in 2009) in total drug costs until you spend $4,350 out-of-pocket. Some plans might offer some coverage during the gap. Even in plans where you pay 100% of covered drug costs after a certain limit, you would still pay less for your prescriptions than you would without this drug coverage.
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