Who can actually read and understand those tomes without getting a headache?

I get the national average of Social Security and use Blue Cross Medicare Advantage HMO.
I'm on about 12 meds,
including Xarelto, insulin, etc and do not get into the 'donut hole'.

Not sure if that is certain.

begins once you reach your Medicare Part D plan's initial coverage limit ($3,820 in 2019) and ends when you spend a total of $5,100 out of pocket in 2019. 2019 Donut Hole Discount: Part D enrollees will receive a 75% Donut Hole discount on the total cost of their brand-name drugs purchased while in the Donut Hole.

https://q1medicare.com/PartD-The-2019-Medicare-Part-D-Outlook.php

Spouse reached the donut hole around May but it did not apply in 2017 and last year and I think because all the meds are now generic.