Thanks ST, you are right, I do not understand how it works then. I was thinking you reached your deductible, and then all you had was a small or no co-pay.
I take it you yourself are not on Medicare with a part D plan, or at least you never experience the donut hole personally. My circumstances are such that I nearly always pass through it to the other side. Since Bush2 there have been subsidies to help seniors pay their drug costs when they’re in the donut hole, so while my donut hole co-pay for a particular drug might be $400, I might receive a subsidy of $250 toward that cost making my effective co-pay $150. Frequently my copay inside the donut hole is lower than before I enter it.