Apply for Medicaid coverage while you wait. Check with a counselor at your local area Agency on Aging or local Medicaid department. Medicaid can take several months to start. .I read that the Medicare Part D doughnut hole is closing. What does that mean? I recently started on Lantus insulin, which my drug plan covers, but with the other drugs I take, I expect to hit the doughnut hole with my April refill. .https://www.mayoclinic.org/diseases-conditions/coronavirus/in-depth/covid-19-cold-flu-and-allergies-differences/art-20503981 . Zero premiums are also likely to end very soon. If Congress should cut reimbursements to plans as has happened in the past, some plans may respond by no longer offering coverage at all. Should Paula enroll in a Medicare Advantage plan and her plan ceases to offer coverage in the future, Paula could have problems finding something comparable that she could afford. .Downsizing doctor networks is one way that Medicare Advantage insurers are dealing with the sizable cuts. Some insurers have also begun to increase premiums and out-of-pocket costs that enrollees pay. Austin Pittman, President of UnitedHealth, told the Wall Street Journal: "It's no secret that we are under substantial funding pressure from the federal government … That's what's driving our actions." .An alternate measure of inflation, the Supplemental Poverty Measure, indicates that the number of older adults who are living in poverty is larger than what the "official" poverty measure reports, according to a recent analysis from the non-partisan Kaiser Family Foundation. The way in which the government measures poverty is important because eligibility for critical low–income programs such as Medicaid, food stamps, and rental subsidies is determined by income, and tied to the "official" U.S. poverty measure. A greater number of needy people would qualify for safety-net programs like Medicaid, if the government were to use the more accurate Supplemental Poverty Measure to determine eligibility. .The four stated that their proposal – The Congressional Health Care for Seniors Act – would "provide Medicare patients with the best healthcare in America," and that it would "forever protect seniors' interests by aligning them with self-interested politicians." But the plan is risky for two key reasons. First, it would eliminate Medicare completely, and second, it would do so beginning in 2014, affecting even current beneficiaries. Other proposals, including the plan released by House Budget Chair Paul Ryan (WI-1) in his fiscal 2013 budget, would offer traditional fee-for-service Medicare as an option to seniors, and would delay implementation to protect current enrollees from any drastic or sudden changes. In addition to phasing out traditional Medicare, The Congressional Health Care for Seniors Act would gradually increase the eligibility age to seventy, and it would increase means-testing measures so that wealthier seniors would pay a greater percentage of their healthcare costs. .Up to 85 percent of Social Security benefits can be subject to taxation if an individual has a combined income of ,000 or more, and married couples filing jointly have a combined income of ,000 or more. Had income thresholds been adjusted for inflation, they would be ,176 for individuals, and ,145 for joint filers in for the 2020 tax year. "Combined income" is determined by adding one's adjusted gross income, plus any tax - free interest income, and one - half of Social Security benefits. .Apply for Extra Help. Extra Help is the Medicare program for low-income seniors that can help with most or all of the cost of your drug plan premium, deductibles and co-pays. You also get valuable coverage in the Part D coverage gap. If you qualify, you would pay between $ for each drug. Apply even if you aren't sure, because the income requirements are not as stringent as those for State Pharmacy assistance programs.