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Medicare Prescription Drug (Part D) Plans
You must live in the service area of the Part D plan to enroll, and some plans will have a network of pharmacies they work with. With prescription drug coverage, in addition to costs varying by plan and provider, your costs may be different based on if a pharmacy is considered in-network or out-of-network, as well as if your drugs are separated into different cost levels, or tiers.
Note for Veterans: What do Medicare Part D plans cover?
|
| Tier | Cost |
|---|---|
Tier 1 | $ |
Tier 2 | $$ |
Tier 3 | $$$ |
Tier 4 | $$$$ |
Tier 5 | $$$$$ |
What does it mean if my prescription drug has a requirement or limit?
Plans have rules that limit how and when they cover certain drugs. These rules are called requirements or limits. You need to follow the rules to avoid paying the full cost of the drug out-of-pocket. If you do not get approval from the plan for a drug with a requirement or limit before using it, you may be responsible for paying the full cost of the drug. If needed, you and your doctor can also ask the plan for an exception.
Here are the requirements and limits you may see on a drug list:
PA – Prior Authorization
If a plan requires you or your doctor to get prior approval for a drug, it means the plan needs more information from your doctor to make sure the drug is being used and covered correctly by Medicare for your medical condition. Certain drugs may be covered by either Medicare Part B (doctor and outpatient health care) or Medicare Part D (prescription drugs) depending on how they are used. If you don't get prior approval, the plan may not cover the drug.
QL – Quantity Limits
The plan will cover only a certain amount of a drug for one copay or over a certain number of days.
ST – Step Therapy
The plan wants you to try one or more lower-cost alternative drugs before it will cover the drug that costs more.
B/D – Medicare Part B or Medicare Part D Coverage Determination
Depending on how they're used, some drugs may be covered by either Medicare Part B (doctor and outpatient health care) or Medicare Part D (prescription drugs). The plan needs more information about how a drug will be used to make sure it's correctly covered by Medicare.
LA – Limited Access
If a drug is considered "limited access," the FDA has said the drug can be given out only by certain facilities or doctors, not at a network pharmacy.
MME – Morphine Milligram Equivalent
Additional quantity limits (see above) may apply across all drugs in the opioid class used for the treatment of pain. The MME is designed to monitor safe dosing levels of opioids, especially for individuals who may be taking more than one opioid drug for pain management.
7D – 7-Day Limit
An opioid drug used for the treatment of acute pain may be limited to a 7-day supply to minimize long-term opioid use.
DL – Dispensing Limit
Drugs with dispensing limits are limited to a one-month supply per prescription.
ISSP - Part D Senior Savings Model
2022 - You will pay a maximum of $35 for a 1-month supply of Part D select insulin drugs during the deductible, Initial Coverage and Coverage Gap or “Donut Hole” stages of your benefit. You will pay 5% of the cost of your insulin in the Catastrophic Coverage stage. This cost sharing only applies to members who do not qualify for a program that helps pay for your drugs (“Extra Help”).
2023 - For Chronic Special Needs Plans - You will pay a maximum of $25 for each 1-month supply of Part D select insulin drug through all coverage stages. For All Other Plans - You will pay a maximum of $35 for each 1-month supply of Part D covered insulin drug through all coverage stages.
What does Medicare Part D cost?
Like Medicare Advantage plans, Part D stand-alone plans will also vary in costs based on the plan you choose. Each plan negotiates prices with drug manufactures and pharmacies. Your copays and coinsurance rates are based on these prices and on guidelines set by Medicare. You can find explanations of specific drug costs in each Part D plan's Summary of Benefits or Evidence of Coverage materials.
Your total prescription drug costs will also be impacted by the number of prescriptions you take, how often you take them, if you get them from an in-network or out-of-network pharmacy, and what Part D coverage stage you are in. Your costs may also be less if you qualify for the Extra Help program.
First, let's look at what kinds of costs you could pay for Part D, then dive into the different coverage stages and how they work.
Costs you could pay with Medicare Part D
With stand-alone Part D plans, you will pay a monthly premium and may also pay an annual deductible, copays and coinsurance.
Some plans charge deductibles, some do not, but Medicare sets a maximum deductible amount each year. In 2022, the annual deductible limit for Part D is $480. In 2023, the annual deductible limit for Part D is $505.
Copays are generally required each time you fill a prescription for a covered drug. Amounts can vary based on the plan’s formulary tiers as well as what pharmacy you use if the plan has network pharmacies.
Some plans may also set coinsurance rates for certain drugs or tiers. In this case the plan charges a percentage of the cost each time you fill a prescription.
Understanding the Part D Coverage Stages
During the year, you may go through different drug coverage stages. There are four stages, and it's important to understand how each impact your prescription drug costs. You may not go through all the stages. People who take few prescription drugs may remain in the deductible stage or move only to the initial coverage stage. People with many medications (or expensive ones) may move into the coverage gap (the Part D "Donut Hole") and/or catastrophic stage.
The coverage stage cycle starts over at the beginning of each plan year, usually January 1st.
Annual Deductible
You pay the full cost for drugs until you reach the deductible amount. Then you move to the Initial Coverage stage.
Initial Coverage
In this stage, the plan pays its share of the cost and you pay your copay or coinsurance. You generally stay in this stage until your year-to-date total drug cost reaches $4,660. Then you move to the Coverage Gap stage.
Coverage Gap (Donut Hole)
You pay no more than 25% coinsurance for any generic or brand name drugs until your total out-of-pocket costs reach $7,400. Then you move to the Catastrophic Coverage stage.
Catastrophic Coverage
In this stage, you pay 5% of the cost for each of your drugs, or $4.15 for generic (including brand drugs treated as generic) and $10.35 for all other drugs (whichever is greater). You stay in this stage for the rest of the plan year.
- Total drug costs: the amount you (or others on your behalf) and your plan pay for your covered prescription drugs. Your plan premium payments are not included in this amount.
- Out-of-pocket costs: The amount you (or others on your behalf) pay for your covered prescription drugs plus the amount of the discount that drug manufacturers provide on brand-name drugs when you’re in the third coverage stage -- the coverage gap (donut hole). Your plan premiums are not included in this amount.
A note about the Part D coverage gap (donut hole)
The Part D coverage gap—also known as the "donut hole"—opens when you and your plan have paid up to a certain limit for your drugs in the one year. When you're in this stage, you pay a bigger share of the costs for your prescriptions than before. You will exit the coverage gap only when the total amount you and others on your behalf have paid for your drugs reaches another set limit. The limits to enter and exit the coverage gap are set by Medicare, as well as what counts towards reaching the limits, and both can change each year.
*If you get Extra Help from Medicare, the coverage gap doesn't apply to you.
See how Medicare costs may work with these Medicare coverage examples
Tips for saving on prescription drugs
- Know the plan's drug list (formulary). Make sure your medication is on a plan's drug list. If it's not, check with your provider to see if there's one on the drug list you can switch to.
- Ask if your plan provides a 1-month supply of covered insulin prescriptions for $35 or less.1
- Consider generics. Ask your provider about generic or low‑cost options to replace higher-tier or more expensive drugs.
- Show your member ID card. Be sure to show your member ID card when filling prescriptions to get any member cost savings.
- Use the mail order pharmacy. Convenient home delivery of your regular, maintenance medications can save time and money.
- Order 90-day supplies. You may be able to save on prescription drug costs by ordering 90-day supplies. Some plans may offer 100-day supplies.
- Use a preferred network pharmacy. Many plans offer cost savings if you fill your prescriptions at a pharmacy that's part of the plan's preferred network.
- Use a specialty pharmacy to help manage more chronic or complex conditions. Specialty pharmacies, like BriovaRx2, provide extra support through expert care and personalized connections.
1You will pay a maximum of $35 for each 1-month supply of Part D covered insulin drug through all coverage stages.
2BriovaRx is an affiliate of UnitedHealthcare Insurance Company. Other pharmacies are available in our network. You are not required to use BriovaRx as your specialty pharmacy.
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