Stages of Medicare Part D Prescription Drug Payments

Stages	Drug Costs	Member Pays	Plan Pays
Stage 1                                           Deductible	$0 - $310	$310	$0
Stage 2                                        Initial Coverage	$311 - $2,840	$632.50	$1,897.50 on average
Stage 3                                     Coverage Gap	$2,840 - $6,447.50	Up to $3,607.50 approximately	$0
Stage 4                             Catastrophic Coverage	Greater than $6,447.50	5%	95%

Please Note – This does not include premium costs. The most you will have to pay out-of pocket between $0 and $6,447.50 of the total costs of the medications you take is $310+$632.50+$3,607.50 = $4,550. A member is eligible to receive the MD SPDAP coverage gap subsidy, if they are enrolled in one of the 14 plans that have agreed to provide it.