Not everyone will enter the coverage gap. If you are on a handful of tier one or generic drugs, you may not need to worry about the Donut Hole. The coverage gap begins after you and your Drug Plan have spent a certain amount for covered drugs. Once you and your plan have spent $4,020 on covered drugs in 2020, you’re in the coverage gap. This amount may change each year. Once you reach the coverage gap, you will pay no more than 25% of the cost for your plan’s covered brand-name prescription drugs. If you receive “Extra Help” with Medicare, which pays for your Part D costs, you won’t enter the coverage gap.