My mother in law is on medicare. She is widowed and has a small daycare at her home to try to pay the house payment and utilities. She pays someone to come in part time to help her with the daycare. She struggles, but seems to make it every month. At about this time every year she falls into the donut hole where her medical needs are not covered. I have looked into the programs that help with prescriptions and so far they all say that the patient cannot have any type of health insurance...she does, just not for the last 2 or three months of the year. Has anyone else had experience with this situation? Any suggestions would be greatly appreciated.