I fell into the dreaded Donut Hole on February 3rd, when my pharmacy's computer printed out a receipt with a $61 co-payment instead of $28. The next day, my insurance provider said something was wrong and I should call back in four days. When I did, they still didn't know why I'd been charged $61. I asked,
"Could I be in the donut hole?"
"Oh no, it's too early," was the response. After checking another computer she said,
"Oh yes, you are. Have a nice day."
You don't know you're in the Donut Hole because it is based on the plan's payments. By mid March when the insurance company sent EOB's (Explanation of Benefits), I was rapidly exiting the Donut Hole for catastrophic coverage. I was out of the Donut Hole on March 27th.