Stages of Medicare Part D Prescription Drug Payments (2021)

Stages Drug Costs Member Pays Plan Pays
Stage 1
Deductible
$0 – $445 $445 $0
Stage 2
Initial Coverage
$446 – $4,130.00 $921.25 $2,763.75 on average
Stage 3
Coverage Gap
$4,130.00 – $9,313.75 Up to $6,550.00 approximately $0
Stage 4
Catastrophic Coverage
Greater than $9,313.75 5% 95%

Please Note – This does not include premium costs. The most you will have to pay out-of-pocket between $0 and $9,313.75 of the total costs of the medications you take is $445+$921.25+$6,550.00 = $7,916.25.