http://en.wikipedia.org/wiki/Medicare_Part_D_coverage_gap
In other words, they actually want you to pay for some of your meds.
Didn’t know it actually had a name.
My 99 yr. old friend, who had four hip operations and 9 hospitalizations in one year, had covered expenses and threshold out of pocket expenses.
Totally makes sense and the %’s look about the same as her coverage.