What Is the Medicare Drug Card?
The Medicare Drug Card is your key to prescription coverage through Medicare Part D.
Use this card at any participating pharmacy to receive discounts and coverage for your medications. Your card includes your plan details, pharmacy network, and important benefit information.
Click to get Part D Quotes:
2025 Coverage Updates
- Annual Out-of-Pocket Cap: Starting in 2025, your annual costs for covered prescription drugs through Part D cannot exceed $2,000. After reaching this cap, you will pay nothing more for the remainder of the year.
- Deductible for 2025: Most Part D plans have a maximum deductible of $590 before coverage begins.
- No More Coverage Gap (“Donut Hole”): The coverage gap has ended. You now have continuous coverage until the out-of-pocket cap is reached.
- Low or No Cost Insulin & Vaccines: Insulin has a maximum copay capped at $35 per month, and recommended vaccines are covered at no cost.
- Prescription Payment Plan: If you reach the $2,000 cap or have high drug costs at once, the new Medicare Prescription Payment Plan lets you pay monthly instead of all at once. Ask your plan or pharmacist to enroll.
How to Use Your Medicare Drug Card
- Show your card at any participating pharmacy when picking up prescriptions.
- Pay only your plan’s copay, coinsurance, or remaining deductible (up to the $2,000 annual max).
- Keep your card safe: If lost, contact your plan provider for a replacement.
Enrolling or Changing Your Plan
- The Annual Enrollment Period is October 15 to December 7.
- Review and compare plans each year, as plan costs and covered drugs can change.
- If you qualify for Extra Help, you may pay less for your drugs and may get help enrolling.
Need Help?
- Contact your plan provider, visit medicare.gov, or call 1-800-MEDICARE for questions.
- TTY users can call 1-877-486-2048.
Tip: Always check if your pharmacy is in your plan’s network to get the lowest prices.
