Medicare.gov Web Coverage Gap Overlay

WHAT IT DOES

This tool analyzes Medicare Part D prescription drug plans and shows you exactly where you'll be in the coverage gap, also known as the "donut hole." It extracts plan data including monthly premiums, annual deductibles, initial coverage limits, coverage gap thresholds, and catastrophic coverage thresholds. The panel displays each plan with its gap status (Safe / Coverage Gap / Catastrophic), projected out-of-pocket costs broken down by phase (deductible, initial coverage, gap, catastrophic), and total annual drug costs including premiums. Plans that may expose you to the coverage gap are visually highlighted, and you can filter to show only gap-prone plans.

WHERE IT RUNS

The script activates on Medicare.gov pages, including Part D plan finders, prescription drug plan listings, and Medicare Advantage plan comparisons. It automatically detects plan cards using multiple selector strategies that work across different Medicare.gov layouts. The panel appears as a draggable overlay that stays accessible as you compare plans.

HOW TO USE

Navigate to a Medicare Part D plan listing page. The panel will appear showing all detected plans with their coverage gap analysis. Enter your estimated annual drug spend in the input field — this is the total cost of your prescription drugs before insurance pays anything. The panel updates to show which plans will hit the coverage gap and at what phase. Plans that enter the gap are highlighted with a yellow border, and those that reach catastrophic coverage are marked red. The "Gap only" filter shows only plans that would expose you to the coverage gap, helping you identify plans to avoid if you're concerned about gap costs. The phase breakdown shows how much you'll pay in each phase: Deductible (100% patient), Initial Coverage (~25% patient), Coverage Gap (~30% patient), and Catastrophic (~5% patient). The "Refresh" button manually updates the data, and "Export" copies all plan data as JSON to your clipboard.

THE TECHNICAL MECHANISM

The script employs a multi-strategy DOM extraction approach for Medicare's plan data. It first attempts structured selectors targeting known class names like .plan-card and .plan-item, then falls back to heuristic detection of plan containers based on content patterns including "Premium", "Deductible", "Coverage Gap", and "Initial Coverage" indicators. Plan names are extracted from heading elements or by parsing the first meaningful text line. Premium, deductible, initial coverage limit, coverage gap threshold, and catastrophic coverage threshold are extracted using regex patterns that handle currency symbols and comma separators. The coverage gap calculation models the standard Medicare Part D cost phases: the deductible phase (100% patient pays), the initial coverage phase (patient pays ~25% coinsurance), the coverage gap (patient pays ~30% blended average for brand/generic), and the catastrophic phase (patient pays ~5%). The script determines the gap status by comparing the user's annual drug spend against the plan's cumulative phase thresholds. All settings are persisted using GM_setValue.

THE PANEL

The panel is fully draggable by its header and remembers its position on the page across sessions. It can be collapsed to a small bubble using the minimize button, then restored by clicking the bubble. The panel resizes automatically to fit its content and can be closed with the Escape key or by clicking the close button. The panel's position and state persist globally, so it returns to the same location on subsequent visits.

PLEASE NOTE

Requires the free BotGentz extension to run. Medicare.gov may update its site structure, which could affect the script's ability to detect plan data — updates will be released as needed. All plan data is read from the page and displayed locally; nothing is transmitted externally. This tool is for informational purposes only and does not provide health insurance advice. Cost projections are estimates based on the assumptions you provide and actual costs may vary. Always verify plan details with official Medicare.gov information and consult a licensed insurance broker for professional guidance.