Stages of Medicare Part D Prescription Drug Payments

Stages	Drug Costs	Member Pays	Plan Pays
Stage 1                                           Deductible	$0 - $325	$325	$0
Stage 2                                        Initial Coverage	$326 - $2,970	$661.25	$1,983.75 on average
Stage 3                                     Coverage Gap	$2,970 - $6,733.75	Up to $3,763.75 approximately	$0
Stage 4                             Catastrophic Coverage	Greater than $6,733.75	5%	95%

Please Note – This does not include premium costs. The most you will have to pay out-of pocket between $0 and $6,733.75 of the total costs of the medications you take is $325+$661.25+$3,763.75 = $4,750. 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.