call the number they give you,mama is on this and they have always helped her
as far as the donut hole that is the devil in my mama's case.. there are 4 stages (i think) you have to go through to get to that donut hole, and by the time you almost get there the year starts over and pushes you back to the beginning. my mama has medicare plus another insurance coverage.. she has health issues and needs the extra coverage. but medicare has been wonderful for her.