If your plan has a pharmacy deductible, you'll start the year paying the full cost of your prescription drugs until you meet it. After you meet your deductible, you enter the initial coverage stage.

During the initial coverage stage, your plan helps cover the costs of your prescription drugs. How much you pay depends on:

In 2018, you'll stay in the initial coverage stage until you and your plan spend a total of $3,750 on prescription drugs. If you don't take a lot of medications, it's possible you could stay in the initial coverage stage for the whole plan year.