I am on SSD and medicare. Medicare Part D is the medicine part but has what they call the doughnut hole. After you and the insurance have paid of total of about $2500 then you have to pay the next $4000. The last time I was in the doughnut hole I had to charge my meds. I am still paying the credit card off. This year I have more expensive supplemental insurance but no doughnut hole so I have a chance of getting rid of my credit card bill. The doughnut hole is another case of the government wanting to save money which can actually cost more. If I hadn't had a credit card I would have had to go without medication and I would have ended up in the hospital which would be covered!