Medicare Advantage Members
copay amounts – Gundersen health system Minnesota
The copay is the amount you pay when you get a prescription filled. A copay may be a flat dollar amount or a percentage of the total cost of a drug.
Drug Maintenance
Prescriptions are often sold in 30-day supplies. However, you can buy up to a 90-day supply on medications in tiers 1 through 4. Each 30-day supply will take one copay at a retail pharmacy. A 90-day supply equals three copays.
If you live in a long-term care facility, your copay is the same as in a retail pharmacy.
You can get prescriptions from an out-of-network pharmacy, but you may pay more.
2023 Copay Amounts
Part D vaccines are covered at no cost to you. You won’t pay more than $35 for a one-month supply of covered insulin, no matter what cost-sharing tier it’s on.
| Retail 30-day | Retail 60-Day | Retail 90-Day | Mail Order 90-Day | |
|---|---|---|---|---|
| Tier 1 (Preferred Generic) | $2 | $4 | $6 | $5 |
| Tier 2 (Generic) | $15 | $30 | $45 | $38 |
| Tier 3 (Preferred Brand) | $45 | $90 | $135 | $113 |
| Tier 4 (Non-Preferred Drug) | $100 | $200 | $300 | $300 |
| Tier 5 (Specialty) | 33% of cost | N/A | N/A | N/A |
| Tier 6 (Vaccines) | $0 | N/A | N/A | N/A |
Initial Coverage Gap begins at: $4,660 | Catastrophic Coverage begins at: $7,400
2022 Copay Amounts
| 30-Day | Retail 60-Day | 90-Day | Mail Order 90-Day | |
|---|---|---|---|---|
| Yearly Deductible | $0 | $0 | $0 | $0 |
| Tier 1 (Preferred Generic) | $3 | $6 | $9 | $7 |
| Tier 2 (Generic) | $15 | $30 | $45 | $38 |
| Tier 3 (Preferred Brand) | $45 $35 for select insulins | $90 $70 for select insulins | $135 $105 for select insulins | $113 $87 for select insulins |
| Tier 4 (Non-preferred Drug) | 40% of cost | 40% of cost | 40% of cost | 40% of cost |
| Tier 5 (Specialty) | 30% of cost | N/A | N/A | N/A |
| Tier 6 (Vaccines) | $0 | $0 | $0 | $0 |
Initial Coverage Gap begins at: $4,430 | Catastrophic Coverage begins at: $7,050
Coverage Gap
Most Medicare drug plans have a coverage gap every year.
You enter the coverage gap once the total amount spent on Part D drugs reaches $4,430. This includes your payments plus plan payments. During this stage, you pay 25% of the price for drugs, plus a portion of the dispensing fee. You stay in this stage until your year-to-date out-of-pocket (OOP) costs (your payments) reach a total of $7,050. Medicare sets this amount as well as the rules for what counts toward your OOP costs.
Catastrophic Coverage
After your yearly out-of-pocket drug costs reach $7,050, you pay the greater of 5% of the drug cost or the copay. The copay is $3.95 for generic drugs or $9.85 for brand drugs.
Senior Savings Program
Select insulins (insulins that are listed on our Drug Formulary) are available at a $35 copay per month at retail pharmacies and $87 for 3 months through our mail-order pharmacy. Members will only pay this amount whether they are in the deductible, initial, or gap coverage phases.