Coverage Guide
Part D Coverage Phases
How Part D coverage changes as you spend more
2026 Coverage Phases
| Phase | You Pay | Spending Range |
|---|---|---|
| Deductible | 100% | First $590 |
| Initial Coverage | 25% | $590 - $5,030 |
| Coverage Gap (Donut Hole) | 25% | $5,030 - $8,000 |
| Catastrophic | $0 | After $8,000 OOP |
New $2,000 OOP Cap
Before 2025
No annual cap on costs
Could pay thousands in donut hole
2025 and After
$2,000 annual OOP cap
$0 after reaching cap