Rx – Online Prescriptions

Part D Benefit Stages

There are four stages associated with Medicare Part D prescription drug coverage. In brief:

1. During the deductible stage, you’re responsible for paying any deductible your plan requires you to pay before your drug plan begins making payments for your prescription drugs.

2. During the initial coverage stage, you’re normally required to pay copayments or coinsurance while your prescription drug plan pays its share for each covered drug until the combined amount (including the deductible) reaches $2,930.

3. During the donut hole or coverage gap stage, you’ll normally pay drug costs out of pocket. You’ll remain in the donut hole until your total out-of-pocket costs, including your yearly deductible, copayment, and coinsurance amounts, reach $4,700.

4. Once your wallet feels $4,700 lighter, you’ll enter the catastrophic coverage stage, where you automatically get catastrophic coverage and are required to pay only a small copayment or coinsurance amount for the rest of the year.

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