Pay Bill2025 Medicare Advantage Part D Prescription Drug Coverage
Did you know that Medicare Part D is changing? Prescription coverage is a vital part of your plan. Through the Inflation Reduction Act (IRA), there are important changes in 2025 and we want you to understand what this will mean and how it can benefit you.
Initial Coverage Stage/Reduced Costs
Initial Coverage Stage
In this stage, you pay the cost of your deductible first. Then you pay your tier copay/coinsurance. Deductibles and tier copay/coinsurance vary by plan.
NEW! You will be in this stage until your out of pocket costs reach $2,000.
Need Help Paying for Drug Costs?
You may be able to save on your prescription drug costs through EPIC, Low Income Subsidy (LIS) or Extra Help. To find out if you are eligible, speak to a RedShirt.®
Catastrophic Coverage/
Part D Out-Of-Pocket Maximum
NEW! The “Coverage Gap” has been removed in 2025.
Additionally, the Part D out-of-pocket maximum has been lowered from $8,000 to $2,000, helping make drug costs more affordable for all Medicare members.
Medicare Prescription Payment Plan
Manage your drug costs with a monthly Part D payment plan. Find out if the Medicare Prescription Payment Plan is right for you.
*For your convenience, for most plans, you can get a 100-day fill for a three-month supply.
**Independent Health's Medicare Passport® Connect PPO plan has a deductible on all tiers and a 25% coinsurance on all tiers.
Independent Health is a Medicare Advantage organization with a Medicare contract offering HMO, HMO-SNP, HMO-POS and PPO plans. Enrollment in Independent Health depends on contract renewal.
Mail order and mail at retail are 2.5 times copay for 100-day supply on Tier 1 and 90-day supply on Tiers 2, 3, and 4. Only maintenance drugs are available by mail order. Refer to the formulary for more details. Beneficiaries must use network pharmacies to access their prescription drug benefit, unless a network pharmacy cannot be accessed. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year. Limitations, copayments and restrictions may apply. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.
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Last Updated 10/1/2024