Plain-English answers about the Medicare "donut hole" — what it was, why it was closed in 2025, and what replaced it — plus Medigap, Medicare Part D plan choice, Extra Help (the Low-Income Subsidy), Medicare Advantage vs. Medigap, and planning for health costs in retirement. medicaredoughnuthole.org is an independent educational and referral website for seniors and people approaching Medicare. It is not Medicare.gov, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any government agency, and is not affiliated with or endorsed by any government.
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