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For the first year after her husband Mort died of cancer, Mary Childs, now 68, looked mainly to her two sisters and her quilting friends for comfort and a social connection.”I couldn’t do much more than that," says the Lakewood, CO, retired nurse.

”On the one occasion that I attended a couples’ function with friends from our past, I was totally uncomfortable.” Indeed, many people who lose a spouse often feel like when it comes to socializing, it's a couples' world.

You can buy these if you wish — but, under Medicare rules, only drugs purchased at pharmacies within your plan’s network count toward the limit that gets you out of the gap.

In the gap, you may find drugs elsewhere that are less expensive than your plan charges.

“Mort had been a hunter and had promised to teach me how to shoot,“ she says, “but we never got around to it.” When a shooting range opened near her home, Mary decided to learn what she had missed with husband.

In all cases, only payments for drugs your plan covers on its formulary (including any “exceptions” you receive) and are purchased from a pharmacy in your plan’s network count toward the limit. Will it take me longer to reach catastrophic coverage than before? The discounts you get in the gap will not slow you down in reaching low-cost catastrophic coverage. Using lower-cost drugs will make your initial coverage last longer.

What counts toward my out-of-pocket spending limit?

According to Doreen Horan, LCPC, at the Counseling Center at Stella Maris, a provider of longterm care in Maryland, on average a man starts socializing within one to two years of a wife’s death. What all grief counselors agree on is that at some point, every widow and widower needs to get out there if life is to be meaningful once again.

Planning your re-entry to a new social life is not done overnight, says Erlene Rokowsky, Psy.But then in most cases there’s a gap in benefits before coverage kicks in again. However, the health care reform law of 2010 is gradually narrowing the coverage gap. Choosing these drugs could also reduce your copays.

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