Part D

Prescription Drug Plan

Medicare prescription drug coverage is an optional benefit. Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to get Medicare drug coverage when you’re first eligible, you’ll likely pay a late enrollment penalty if you join later, unless one of these applies:

  • You have other Creditable prescription drug coverage
  • You get Extra Help

Generally, you’ll pay this penalty for as long as you have Medicare prescription drug coverage.

To get Medicare drug coverage, you must join a plan approved by Medicare that offers Medicare drug coverage. Each plan can vary in cost and drugs covered.

Part D Costs

There are 14 Prescription Drug Plans (PDPs) sponsored by Medicare in 2025. They range in cost per month from $0.00/month to $167/month.

Part D Coverage

Changes to Part D in 2025

  1. Lower Maximum Out Of Pocket (MOOP) for Prescription Drug Costs

    * Has gone from $8,400 in 2024 to $2,000 in 2025

  2. No More Coverage Gap

    * There are only three-Part D Prescription Drug Coverage Stages
    • Deductible
    • Initial
    • Catastrophic

  3. New Medicare Prescription Payment Plan

    * Medicare members with Part D coverage can spread their prescription drug out-of-pocket cost into monthly payments over the course of the plan year.

* These costs will be billed to members by their plan.