Until you meet your yearly Part D deductible, you will pay full price for your covered prescriptions. Once the annual deductible is met the plan will begin to cover the cost of your drugs based on the plans prescription drug benefits. While deductibles can vary from plan to plan, no plans deductible can be higher than $445 in 2021, and some plans have no deductible.
Often called the 'Initial Coverage Phase', you will pay the plan's copays or coinsurance until a total drug cost of $4,130 is reached for the 2021 plan year.
Often called the 'Donut Hole Phase', you will pay the full cost of the covered drug until your total out of pocket cost reaches $6,550 for the 2021 plan year. UCare Classic plan has coverage throughout the Gap for Tier 1 and Tier 2 generic drugs, where you will pay the plans copay.
Often called the 'Catastrophic Phase’, you will likely have lower cost sharing through the end of the calendar year once you have reached $6,550 in 2021 in out of pocket drug costs. During this phase, you will pay $3.70 for Generic drugs and $9.20 for Brand drugs, or 5% coinsurance – whichever is greater.