A gap in prescription drug coverage under medicare part D, where beneficiaries enrolled in Part D plans pay 100% of their prescription drug costs after their total drug spending exceeds an initial coverage limit until they qualify for catastrophic coverage. Under the standard Part D benefit, Medicare covers 75% of total drug spending below the initial coverage limit (2,830 in 2010) and 95% of spending above the catastrophic level ($6,440 in 2010). These thresholds are indexed to increase over time. The doughnut hole or coverage gap specifically refers to the range between these two levels ($3,610 in 2010) in which beneficiaries are responsible for all costs incurred for prescription drugs. The coverage gap will gradually be phased out under health reform, so that by 2020, beneficiaries will only be responsible for 25% of all prescription drug costs up to the catastrophic level.