Stages of Medicare Part D Prescription Drug Payments (2020)

Stages Drug Costs Member Pays Plan Pays
Stage 1
Deductible		 $0 – $435 $435 $0
Stage 2
Initial Coverage		 $436 – $4,020.00 $896.25 $2,688.75 on average
Stage 3
Coverage Gap		 $4,020.00 – $9,038.75 Up to $6,350.00 approximately $0
Stage 4
Catastrophic Coverage		 Greater than $9,038.75 5% 95%

Please Note – This does not include premium costs. The most you will have to pay out-of pocket between $0 and $9,038.75 of the total costs of the medications you take is $435+$896.25+$6,350.00 = $7,681.25.