Part "D" update. Tools for "donut hole" planning.

With the dreaded "donut hole" about to kick in for many part "D" recipients take some time to see where your coverage stands.

Here is the latest benefit calculator from medicare-partd.com. Find out when, and for how much you'll be expected to pay. And when you'll move back into coverage. To find out at a glance what your cash expenses are going to be for the year try the out of pocket calculator here.

Don't forget, if you are having trouble paying for your prescriptions inside hole try the Partnership for Prescription Assistance here. You may qualify for free drugs but under current rules they will not count toward drug purchases to bring you back into coverage.

For those looking to plan for next year: Be sure to see this New York Times article. Nearly a quarter of  all part "D" recipients could avoid the hole entirely by switching to generic drugs. Although it can be tough to talk about finances with your doctor it's the first step to a plan to contain your costs! Ask your doctor if generics are a viable alternative for you or a spouse and let them help.