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Here is important information you need to know about owning a prescription drug plan:

• Annual Deductible — There is a deductible you must pay for a Part D plan. Your deductible may be different, or waived entirely, but the max amount you can be charged is $615 in 2026. You will pay a discounted price for your medications until you have satisfied the deductible. After that, you begin initial coverage.

• Initial Coverage — During initial coverage, you pay a copay for your medications based on your plan’s formulary. Each prescription drug plan separates its medications into tiers. Each tier has a copay amount for which you are responsible.The tiers are broken down into groups: generic drugs, name brands and specialty medications. In 2026, the initial coverage cap is $2,100. After you and the insurance company together have paid this amount, then you enter the ccatastrophic phase.

• Catastrophic Coverage – After your out-of-pocket prescription costs total $2,100, all remaining medications are covered at no costs for the rest of the year providing your medication are listed on the formulary plan.