Medicare Part D Phases
The Medicare Part D prescription drug program consists of three phases: deductible, initial coverage, and catastrophic coverage. Your cost for a drug depends on which phase you are in at the time you get your prescription filled at the pharmacy. In 2026, your out-of-pocket costs will not exceed $2,100.
Learn more about the 2026 Medicare Part D Benefit PhasesOpen a PDF
Please note: Some plans may have an annual Part D deductible. If you have a deductible, you will pay the full cost of your Part D medications until your plan deductible is met. Then you will enter the Initial Coverage stage.
Excellus BlueCross BlueShield is an HMO/PPO/HMO D-SNP plan with a Medicare contract and a contract with the New York State Medicaid program. Enrollment in Excellus BlueCross BlueShield depends on contract renewal. Submit a complaint about your Medicare plan at www.Medicare.gov or learn about filing a complaint by contacting the Medicare Ombudsman. Y0028_11355_C.
This page last updated 10-01-2025.
