Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable
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1 MEDICARE PRESCRIPTION DRUG COVERAGE Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable The Affordable Care Act includes benefits to make your Medicare prescription drug coverage (Part D) more affordable. When you re in the coverage gap (also called the donut hole ) in your Medicare prescription drug coverage, you ll get these: A discount on covered brand-name drugs when you buy them at a pharmacy or order them through the mail. Some coverage for generic and brand-name drugs. Additional savings on your generic and brand-name drugs during the coverage gap over the next several years until it s closed in The coverage gap closes by maintaining the 50% discount the manufacturers offer and increasing what Medicare drug plans cover. What s the coverage gap, and how will I know if I ve reached it? Some Medicare drug plans have a coverage gap. This means that after you and your drug plan have spent a certain amount of money for covered drugs, you may have to pay more for your prescription drugs up to a certain limit. Each month that you fill a prescription, your drug plan mails you an Explanation of Benefits (EOB) notice, which tells you how much you ve spent on covered drugs and if you ve reached the coverage gap.
2 2 Who can get the savings while in the coverage gap? You can get the savings if all of these are true: You re currently enrolled in a Medicare Prescription Drug Plan (including employer group health and waiver plans) or a Medicare Advantage Plan (like an HMO or PPO) that includes prescription drug coverage. You don t get Extra Help (a Medicare program that helps people with limited income and resources pay Medicare prescription drug costs). You ve reached the coverage gap. How does the coverage gap discount work for brand-name drugs? Companies that make brand-name prescription drugs must sign agreements with Medicare to participate in the Medicare Coverage Gap Discount Program. This program requires the companies to offer discounts on brand-name drugs to people who ve reached the coverage gap. These discounts, along with increased coverage in the coverage gap, mean that once you reach the coverage gap in 2015, you ll pay 45% of the plan s cost for covered brand-name prescription drugs. You get these savings if you buy your prescriptions at a pharmacy or order them through the mail. The discount will come off of the price that your plan has set with the pharmacy for that specific drug. Although, you ll only pay a certain percentage of the price for the brand-name drug, the entire price (including the discount the drug company pays) will count toward the amount you need to qualify for catastrophic coverage. Once you reach catastrophic coverage, you only pay a small coinsurance or copayment for the rest of the year. Your Explanation of Benefits (EOB) notice will show any discounts the drug companies paid. Example: Mrs. Anderson reaches the coverage gap in her Medicare drug plan. She goes to her pharmacy to fill a prescription for a covered brand-name drug. The price for the drug is $60, and there s a $2 dispensing fee that gets added to the cost. Mrs. Anderson will pay 45% of the plan s cost for the drug ($60 x.45 = $27) plus 45% of the cost of the dispensing fee ($2 x.45 = $0.90), or a total of $27.90, for her prescription. $57.90 will be counted as out-of-pocket spending and will help Mrs. Anderson get out of the coverage gap because both the amount that Mrs. Anderson pays ($27.90) plus the manufacturer discount payment ($30.00) count as out-of-pocket spending. The remaining $4.10, which is 5% of the drug cost and 55% of the dispensing fee paid by the drug plan, isn t counted toward Mrs. Anderson s out-of-pocket spending.
3 3 Once I ve entered the coverage gap, will all Medicare-covered brand-name prescription drugs be discounted? If a drug company has signed an agreement to participate in the Discount Program, all of the covered Part D brand-name drugs they make are covered during the coverage gap for that calendar year. This includes prescription drugs on the plan s formulary (list of covered drugs) and those covered through an appeal. Manufacturers that make more than 99% of the brand-name drugs used by people with Medicare participate in this program. How is coverage for generic drugs changing in the coverage gap? In 2015, Medicare will pay 35% of the price for generic drugs during the coverage gap. You ll pay the remaining 65% of that price. What you pay for generic drugs during the coverage gap will decrease each year until it reaches 25% in The coverage for generic drugs works differently from the discount for brand-name drugs. For generic drugs, only the amount you pay will count toward getting you out of the coverage gap. Example: Mr. Evans reaches the coverage gap in his Medicare drug plan. He goes to his pharmacy to fill a prescription for a covered generic drug. The price for the drug is $20, and there s a $2 dispensing fee that gets added to the cost. Mr. Evans will pay 65% of the plan s cost for the drug and dispensing fee ($22 x.65 = $14.30). The $14.30 amount he pays will be counted as out-of-pocket spending to help him get out of the coverage gap. What if I don t get a discount, but I think I should? If you think that you ve reached the coverage gap and you don t get a discount when you pay for your brand-name prescription, you should review your next Explanation of Benefits (EOB) notice. If the discount doesn t appear on the EOB, you should work with your drug plan to make sure that your prescription records are correct and up-to-date. If your drug plan doesn t agree that you re owed a discount, you can appeal. You can get help filing an appeal from your State Health Insurance Assistance Program (SHIP) or by calling MEDICARE ( ). TTY users should call Visit Medicare.gov/contacts, call MEDICARE, or look at the back cover of your Medicare & You handbook to get the phone number for your local SHIP.
4 4 What if I have other health coverage? If your other coverage pays second, it will pay after you get the discount. What if I have coverage from a State Pharmacy Assistance Program (SPAP)? If you re enrolled in a State Pharmacy Assistance Program (SPAP), or any other program that gives coverage for Part D drugs (other than Extra Help), you still get the discount on covered brand-name drugs. The discount is applied to the price of the drug before any SPAP or other coverage. I already get discounts from the company that makes my drugs. How will this new program affect these discounts? Some drug companies offer patient assistant programs, which are different from the Medicare Coverage Gap Discount Program. You can check with the drug company to find out if its assistance program will change. Will I get more savings once I reach the coverage gap if I have a Medicare drug plan that already includes coverage in the gap? Yes. You may get a discount after your plan s coverage has been applied to the price of the drug. The discount for brand-name drugs will apply to the remaining amount that you owe. For example, if you re in a drug plan that offers 60% coverage on brand-name drugs in the coverage gap and you fill a $100 brand-name prescription, the cost of your prescription after your plan s savings is $40. The 50% manufacturer discount would get applied to the $40 amount so that you only pay $20. The entire $40 paid by you and the manufacturer will count as out-of-pocket spending and help you get out of the coverage gap.
5 5 I already get Extra Help from Medicare to help pay my prescription drug costs. Can I get the discounts too? No. If you get Extra Help, you already get coverage for your prescription drug costs during the coverage gap. What happens if I fill a prescription and only part of the amount is in the coverage gap? The discount will apply only to the portion of your claim that s in the coverage gap. For example, if you fill a brand-name prescription prescription that costs $100, and only $50 of that cost is in the coverage gap, the discount and increased coverage will only apply to that $50. In this case, you would pay your normal copayment on the $50 portion of the prescription that s not in the coverage gap, plus $22.50 (45% of the $50 portion that s in the coverage gap). How will I know if my prescription will be covered at a discount, and what should I do if it isn t? Contact your drug plan or ask your pharmacist if the prescription drugs you take are covered at a discount during the coverage gap. Your brand-name drug will be covered under Part D, and it ll be discounted if it s made by a drug company that s participating in the Medicare Coverage Gap Discount Program and you reach the coverage gap. If your brand-name drug is made by a drug company that has chosen not to participate in the Discount Program, the drug won t be covered under Part D at all. If your drug isn t covered, talk to your doctor or other health care provider to find out if there s another drug that you can take.
6 6 What additional discounts and savings will I have over time in the coverage gap? Over the next several years, you pay less in the coverage gap until it s closed by By 2020, you ll pay only 25% for covered brand-name and generic drugs during the gap the same percentage you pay from the time you meet the deductible (if your plan has one) until you reach the out-of-pocket spending limit (up to $4,700 in 2015). You ll pay this percentage for brand-name drugs in the coverage gap You ll pay this percentage for generic drugs in the coverage gap % 65% % 58% % 51% % 44% % 37% % 25%
7 7 Get your questions answered Visit Medicare.gov, or call MEDICARE ( ) for more information about the closing of the coverage gap. TTY users should call You can also contact your plan. For general information about Medicare prescription drug coverage, visit Medicare.gov. If you have limited income and resources, you may qualify for Extra Help from Medicare to help pay your prescription drug costs. Visit socialsecurity.gov, or call to apply. TTY users should call Visit stopmedicarefraud.gov to learn how to prevent, detect, and report Medicare fraud and abuse.
8 8 CMS Product No Revised January 2015
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