Prescription Drug Plans
How Do Prescription Drug Plans Work?
Annual Deductible — There is a deductible you must pay for a Part D plan. Your deductible may be different, or waived entirely, but the max amount you can be charged is $615 in 2026. You will pay a discounted price for your medications until you have satisfied the deductible. After that, you begin initial coverage.
Initial Coverage — During initial coverage, you pay a copay or coinsurance for your medications based on your plan’s formulary. Each prescription drug plan separates its medications into tiers. Each tier has an amount for which you are responsible. In 2026, the initial coverage cap is $2,100. After you and the insurance company together have paid this amount, then you enter the final phase.
Catastrophic Coverage – Once the initial coverage threshold is met, there are no additional costs for the remainder of the year in this catastrophic phase.
How would I enroll?
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options.
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