Prescription Drug Plans
How Do Prescription Drug Plans Work?
Annual Deductible — If your Medicare plan has a deductible, you pay all out-of-pocket costs until you reach the full deductible. No Medicare drug plan may have a deductible more than $590 in 2025. Some Medicare drug plans don’t have a deductible.
Initial Coverage — After you reach your full deductible (if your plan has a deductible), you’ll pay 25% of the cost as coinsurance for your generic and brand-name drugs until your out-of-pocket spending on covered Part D drugs reaches $2,000 in 2025 (including certain payments made on your behalf, like through the Extra Help program). Then, you’ll automatically get “catastrophic coverage.”
The Coverage Gap – As of 2025, there is no coverage gap or donut hole.
Catastrophic Coverage – You won’t have to pay out-of-pocket for covered Part D drugs for the rest of the calendar year.
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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