Prescription Drug Coverage Checker
See how Medicare drug coverage works: formulary tiers, restrictions and copays, shown for a few common medications on example plans.
Illustrative examples only. The plans, premiums, tiers and copays on this page are samples, not real plans or price quotes. Your actual 2026 costs depend on the plan, your pharmacy and your drugs; check them on Medicare.gov Plan Finder before you enroll.
Formulary Tiers
Tier 1: Lowest cost generic drugs
Tier 2: Generic drugs
Tier 3: Preferred brand drugs
Tier 4: Non-preferred brand drugs
Tier 5: Specialty drugs
Coverage Phases
Deductible: Up to $615 in 2026, depending on the plan
Initial: After the deductible, until your out-of-pocket costs reach $2,100 (2026)
Catastrophic: $0 for covered drugs after $2,100 out-of-pocket (no coverage gap since 2025)
Money-Saving Tips
• Ask for generic alternatives
• Use preferred pharmacies
• Consider 90-day supplies
• Ask drug makers about assistance programs (coupons can't be used with Part D)
Need Help Finding the Right Drug Plan?
Answer a few questions in our free questionnaire. With your consent, a licensed agent may follow up to help you compare drug plans. Nevada SHIP also offers free, unbiased Medicare counseling.