Medicare Part D Phases

The Medicare Part D prescription drug program consists of three stages: deductible, initial coverage, and catastrophic coverage. Your cost for a drug depends on which stage you are in at the time you get your prescription filled or refilled. In 2025, your out-of-pocket costs will not exceed $2000.

View 2025 Medicare Part D Benefit PhasesOpen a PDF to see how your medication cost may be impacted.

Please note: Some plans may have an annual Part D deductible. If you have a deductible, you will pay the full cost of your Part D medications until your plan deductible is met. Then you will enter the Initial Coverage stage.

Want more information?

Refer to your Evidence of Coverage (EOC) for your specific deductible, copayment or coinsurance amounts.