As far as the 'gap' is concerned, if you are on Medicare D and also on one of the drugs for MS such as Avonex, Rebif, etc, don't worry about the gap. I am in the gap for about 3 weeks. I usually am in the catastrophic period by the end of march. I pay $2.60 for most of my meds. That does not include my Avonex. i think I pay $179/month for it once I was past the gap. The gap is full price. But that is usually just for the one month.