One of AARP's part D plans covers generics during the gap. That is the one I have. Most of the other part D plans do not cover anything in the gap. With the cost of the MS meds, it doesn't take you long to go in and come out of the gap and then the highest you pay is 5 percent of the cost of the meds.

I think you will be pleased if this plan is available where you are.

A word of caution: before you sign up for any health plan, call all your doctors and make sure they accept the health plan you are looking at.