This is my 1st year on Medicare D so I was pretty apprehensive about what the year was going to look like. I am glad that now at the end of march I am now out of the gap and into the catastrophic coverage. I just wish my Avonex was the same kind of co-pay it was when my husband was working and we had regular people type insurance. But $525 is better that the $825 the first month or $2500 in the gap. I will now have to decide whether to have my tier 3 meds paid by my insurance or AAA. I'll have to see which one gives me a better coverage.