Depending on your total drug costs, your Medicare Part D coverage changes. At each point, however, you will need to pay for part of your medications. If you cannot afford to pay, an independent co-pay foundation may help you cover your costs.
Click on the Medicare Part D coverage phases in the buttons below the chart to learn more about how Medicare Part D covers your medication. Then click on the "Show Co-pay Foundation Assistance" button to see how an independent co-pay foundation can help you.

You pay: $0
You pay: $320
You pay: $0
You pay: up to $973 to reach the coverage gap (donut hole)
You pay: $0
You have paid: $973
Now you pay: Up to $1,864 more to get through the coverage gap (donut hole)
You pay: $0
You have paid $2,837 and now are in Catastrophic coverage
Now you pay: 5% co-insurance
Click here to see independent co-pay foundations that may be able to help.
You need to pay the first $320 of your drug costs yourself, even if you have Medicare Part D coverage.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
You need to pay the first $320 of your drug costs yourself, even if you have Medicare Part D coverage.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
When your total drug costs reach between $320 and $2,930, Medicare coverage begins. Medicare will cover most of your drug costs, but not all of them. You will need to pay up to $973 yourself.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
When your total drug costs reach between $320 and $2,930, Medicare coverage begins. Medicare will cover most of your drug costs, but not all of them. You will need to pay up to $973 yourself.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
When your total drug costs are between $2,930 and $6,658, you reach the Medicare Part D coverage gap, or "donut hole." This means Medicare stops covering your drug costs. When you reach the donut hole, you need to pay for half of your drug costs. The drug company automatically covers the other half. At this point, you will need to pay up to $2,837 yourself.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
When your total drug costs are between $2,930 and $6,658, you reach the Medicare Part D coverage gap, or "donut hole." This means Medicare stops covering your drug costs. When you reach the donut hole, you need to pay for half of your drug costs. The drug company automatically covers the other half. At this point, you will need to pay up to $2,837 yourself.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
When your total drug costs are over $6,658, Medicare covers most of your drug costs again. You now pay $6.50 per prescription or 5% co-insurance, whichever is greater. Medicare will cover the rest.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.
When your total drug costs are over $6,658, Medicare covers most of your drug costs again. You now pay $6.50 per prescription or 5% co-insurance, whichever is greater. Medicare will cover the rest.
If you cannot afford to pay, an independent co-pay foundation might be able to help. Click here to see independent
co-pay foundations that may be able to help.