Just discovered a wrinkle in Medicare D that one can take advantage of.

A new prescription (no generic available) is a tier 3 drug, the cost of which has now put me in the prescription donut hole.

My health insurance maven told me - starting January 1 2022 - to remove the next costliest drug (annual cost ~$550) from my health care prescription package and obtain it thru one of the discount prescription providers.

She said you’ll pay the same or less, and the separate discount cumulative cost won’t count against your donut threshold for the coming year.