Under Medicare Part D coverage, Medicare beneficiaries with significant drug expenses may reach the “coverage gap” or “donut hole”— the point where the total prescription drug costs reach a certain limit. The limit for 2022 is $4,4301, meaning once you and your plan have spent $4,430 on covered drugs, you’re in the coverage gap. Once you enter the coverage gap, you are responsible for 25% of the cost of your prescription drugs. You exit the coverage gap once your total out-of-pocket costs have reached $7,0502 for 2022.