What are the four stages of Medicare Part D drug coverage?
Stage 1: Deductible – You must pay this amount first. Most Windsor Extra Plans do not have a deductible, so you will go directly to Stage 2. Stage 2: Initial Coverage Stage – You will pay standard costs (called copays) for your prescription drugs and Windsor Medicare Extra pays the rest of the costs for your drugs. Please reference your Evidence of Coverage to determine what these costs are. You will pay these costs until your total drug costs reach $2,840. Once your drug costs reach this amount, you will move on to the Coverage Gap Stage. Stage 3: Coverage Gap Stage – You will receive discounts on brand and generic drugs in the coverage gap through the Medicare Coverage Gap Discount Program. These discounts are for plan members who are in the coverage gap and who are not receiving “Extra Help” from Medicare to pay for their prescription drug costs. You will receive a 50 percent discount on your costs for brand name drugs from drug manufacturers that have agreed to pay the discount at
