Medicare Part D
Prescription Drug Coverage That Puts You First
You're not alone if Medicare drug costs have ever left you confused, frustrated, or anxious.
At Mere, we help you confidently navigate the world of prescription drug plans—because no one should have to choose between their health and their wallet
The Problem
Prescription costs can add up fast, especially if you take multiple medications or rely on high-cost brand names. In the past, many people feared the dreaded “donut hole,” where coverage dropped off and out-of-pocket expenses soared.
But There’s Good News for 2025
Thanks to recent Medicare updates, your Part D costs are finally easier to understand and more predictable:
No more donut hole – Coverage is now continuous throughout the year.
Out-of-pocket costs are capped at $2,000 – You’ll never pay more than $2,000 per year for covered prescription drugs, no matter what tier your medications are on.
How It Works
Here’s what you can expect in 2025 when you enroll in a Part D plan:
Step 1: Meet Your Annual Deductible
Some plans waive the deductible, but the maximum you’ll pay before coverage begins is $590 in 2025.
You pay the discounted cost of your medications until the deductible is met.
Step 2: Enjoy Tiered Copay Coverage
Once your deductible is met, you’ll move into initial coverage, where your plan covers most of your medication costs.
Medications are organized into tiers (generics, preferred brands, specialty drugs), and each tier has a set copay or coinsurance.
Step 3: Reach the $2,000 Cap
In 2025, once you’ve spent a total of $2,000 out-of-pocket on covered formulary drugs, you’ll pay $0 for the rest of the year on those medications.
No more confusing donut hole or catastrophic phases. Just peace of mind.
Struggling With Prescription Costs?
You may qualify for Extra Help.
Book An Appointment NOW!
Ready to secure your peace of mind through the best medicare insurance plan for you and your family? Look no further! Mere is here to guide you every step of the way.
You Deserve a Plan That Works for You
We’ll help you compare options and find the drug plan that fits your needs, your medications, and your budget. With decades of experience and no-cost support, our team is here to simplify the process.
We're Going Beyond Medicare to Help You Save
At Mere, we know the cost of medication doesn’t just impact those on Medicare. That’s why we’ve partnered with a licensed pharmacist and use a specialized database to help people of all ages find ways to lower their prescription costs. Whether you’re on Medicare, ACA, employer insurance, or no insurance at all—we help you explore options like:
💊 Patient Assistance Programs
💊 Retail Savings Cards
💊 Charity Grants & Foundations
💊 Manufacturer Coupons
We even take this knowledge out into the community—educating churches, nonprofits, and local groups on practical drug savings strategies.
💬 Want us to present at your organization, community center, or church?
We’d love to help your group understand their options. Reach out to us here to schedule a free educational session.
Have questions?
Our MereCare Team is here to help you every step of the way—from scheduling your appointment to making sure your enrollment is smooth and stress-free.
Frequently Asked Question
Is the donut hole really gone?
Yes! Starting in 2025, there is no more coverage gap phase. Your drug costs follow a clear path from deductible to full coverage once you hit the $2,000 cap.
What does the $2,000 cap include?
The cap includes your total out-of-pocket spending for drugs that are on your plan’s formulary. Once you hit that amount, you pay nothing more for covered prescriptions for the rest of the year.
What if I get help through Extra Help (LIS)?
Great news—starting in 2024, the Extra Help program was expanded to cover more people with limited income. In 2025, if you qualify, you’ll receive full Extra Help, which means:
No monthly premium (for benchmark plans)
No annual deductible
Low copays of no more than $4.50 for generics and $11.20 for brand-name drugs
This program helps significantly reduce your out-of-pocket costs for prescriptions. We can help you determine if you qualify.
How do I know if my prescriptions are covered?
Each drug plan has its own list of covered drugs called a formulary. When you work with us, we check your medications against each plan's list to help you choose the best option.
When can I enroll or make changes to my plan?
You can enroll in or change your Medicare Part D plan during the Annual Enrollment Period (AEP), from October 15 to December 7, each year. Certain Special Enrollment Periods may also apply in some cases.
Do I need a Part D plan if I’m healthy and not taking medications?
Yes. Even if you're not currently taking prescriptions, it's smart to enroll in a basic plan to avoid late penalties later. We can help you find the most affordable option.
What if I have drug coverage through a Medicare Advantage plan?
Many Medicare Advantage (MAPD) plans already include drug coverage. We’ll help you compare your options and make sure you’re not overpaying or missing coverage.
We do not offer every plan available in your area. Currently, we represent 10 organizations which offer 90 products in your area. Please contact
Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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