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This year we hit the gap a few months earlier than last year. For those of you who don't know what the gap is all about, it has to do with drug benefit Part D for those on Medicare. The gap is when the cost of drugs paid out by the insurance company exceeds a certain limit, usually $2,500. The gap spreads out until reaching about $4,500. The subscriber pays for meds at 100% during the gap, and the insurance company picks it up again in full at the outer limit of the gap.

Sell photos on photrade | By Jellen

Since my husband is disabled, he has been on Medicare for a few years now. He has several perscriptions, one of which costs about 10 dollars per day. The rest are all available generic drugs that are relatively inexpensive. But with a drug at over $900 for a three month's supply, it breaks the bank quickly and we feel it desperately come summer.

The cost of drugs can easily take one into the gap over the course of the year. My question isn't why there is a gap, but rather, why some shots can cost in the thousands for one injection and why a bottle of pills can cost a car payment?

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