This is the simplest explanation we know. Just to give you a simple understanding. This is the minimum coverage the drug plans must provide. Most plans covered above and beyond the governments minimum. Once you understand the basics, it is easy to pick which plans offer your drugs, and which ones work with your pharmacy. We can help you with that.

• There is a $275 deductible before any benefits are paid towards prescriptions
  .
• The insured person then pays 25% of their yearly drug costs from $275 to $2,510, while the plan pays the other 75% of the cost.
  
  
• The insured pays 100% of the next $1,540 in drugs, then,
  
  
• The insured pays 5% of the drug costs (or a small copayment) for the rest of the calendar year after you have spent a total of $4,050 out of pocket. (included all cost of your drugs by you and the insurance company)
  
  
• Your drug plan pays the rest for the calendar year.

1) $275 Deductible >>>>>> You pay the first $275 towards your covered prescriptions

2) 25% Co-Pay >>>>>>>>> You then pay 25% the next $2,235 of covered drug cost, Part D pays 75%

3) $1,540 >>>>>>>>>>>>>> You then pay the total cost for the next $1,540 of covered drugs

4) 5% or $2.15- $5.35 >>>> Now, for the rest of the year, you pay 5% for the rest of your drugs, or $2 or $5 each co-pays

This is a Simplified Calendar Year Breakdown for 2007