Stages of Medicare Part D Prescription Drug Payments (2018)

Stages Drug Costs Member Pays Plan Pays
Stage 1
Deductible
$0 – $415 $415 $0
Stage 2
Initial Coverage
$416 – $3,820.00 $865.00 $2,553.75 on average
Stage 3
Coverage Gap
$3,820.00 – $7,653.75 Up to $5,100.00 approximately $0
Stage 4
Catastrophic Coverage
Greater than $7,653.75 5% 95%

Please Note – This does not include premium costs. The most you will have to pay out-of pocket between $0 and $7,653.75 of the total costs of the medications you take is $415+$865.00+$5,100.00 = $6,380.00.