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Explanation of Benefits (EOB): Your Prescription Purchases During the Past Month

Chart 1 and Chart 1A show details of each of your prescription purchases in the previous month.

Chart 1 contains information about your prescription purchases covered by your plan, these are medications that are on your plan’s formulary. Chart 1A covers your "Bonus" drug purchases, these are prescriptions for non-Part D drugs covered under your plan’s Supplemental Drug Coverage. NOTE: When Chart 1A is included in an EOB, the following sentence is added to the first bulleted point in the introductory section of Chart 1: "(Prescriptions for drugs covered by our plan’s Supplemental Drug Coverage are shown separately in Chart 1A)."

Also note that "Straddle Claims," purchases that cross you from one stage of your coverage to another, are not stated very clearly in the EOB monthly purchases chart. Click here for Questions and Answers about Straddle Claims

Chart 1 is broken into seven (7) columns.

(1) Drug Name, Fill Date, Pharmacy, Rx# contains the drug purchased (name of drug followed by description of strength and form, e.g., "25 mg tabs"), purchase date, days supply, and pharmacy. If no drugs were purchased, the statement, "No prescriptions for covered Part D drugs this month" will be in column one.

(2) You Paid is the amount you paid out-of-pocket for each drug. It includes any payments for your drugs made by family or friends. Beginning in 2025, if you participate in the Medicare Prescription Payment Plan, we’ll send you a separate monthly billing statement, and the amounts here might differ from what you paid.

(3) Plan Paid lists what the plan paid on your behalf.

(4) Other Payments shows any payments not included in the “You Paid” and “Plan Paid” columns, such as those made by Extra Help from Medicare, employer or union health plans, TRICARE, Indian Health Service, AIDS drug assistance programs, Manufacturer Discount Program, charities, and State Pharmaceutical Assistance Programs (SPAPs). Some of these payments may not count towards your Out-of-Pocket Costs.

(5) Drug Price is the drug price and shows the cost of each drug (including payments made by you, your plan, and others).

(6) Price Change shows how the drug price changed (as a percentage) from when your prescription was first filled during the benefit year. You’ll only see a drug price change when the quantity dispensed was the same.

(7) Lower Cost Alternative Drugs shows drugs that may be an alternative to the ones you’re taking now, but with lower cost sharing or a lower drug price. You may want to ask your prescriber if the lower cost alternative is right for you.

The amounts for "you paid" are the final amounts after other payments (those made by programs, organizations, or other plans).



Chart 1 Your MONTHLY prescriptions for covered Part D drugs - standard format

This example shows the standard format for Chart 1 and is followed by some examples.

Chart 1 Your MONTHLY prescriptions for covered Part D drugs - standard format



Example 1 Deductible payment stage

This example shows what your Explanation of Benefits (EOB) may look like if you are in the deductible phase of your Medicare Part D Plan coverage. Note that the values in the "Plan Paid" column are $0.00. This is because you are 100% responsible for your medication costs during the deductible phase of your coverage.

If you are receiving "Extra Help" with your medication costs, you will not have a deductible phase to your plan coverage even if the design of your plan includes a deductible phase.

Chart 1 Your MONTHLY prescriptions for covered Part D drugs - Example Deductible stage



Example 2: Initial coverage stage

This example show what your Explanation of Benefits (EOB) might look like if you are in the initial coverage phase of your Medicare Part D coverage. This phase can include, payments from plan, from Extra Help, and from other organizations on your behalf.

Chart 1 Your MONTHLY prescriptions for covered Part D drugs - Example Initial Coverage stage



Example 3: Chart 1A for prescriptions covered by Supplemental Drug Coverage

A separate chart is shown for non-Part D prescriptions covered under the plan’s Supplemental Drug Coverage. This helps reduce potential confusion by emphasizing that payments for these prescriptions do not count toward members’ Out-of-Pocket Costs or Total Drug Costs.

NOTE: When Chart 1A is included in an EOB, the following sentence is added to the first bulleted point in the introductory section of Chart 1: "(Prescriptions for drugs covered by our plan’s Supplemental Drug Coverage are shown separately in Chart 1A)."

Your Supplemental Drug Coverage pays for some drugs not generally covered by Medicare. Any prescriptions you filled for these drugs this month are listed in the chart below. The amounts paid for these drugs do not count toward your Out-of-Pocket Costs or Total Drug Costs.

Chart 1A Your prescriptions for drugs covered by our plan’s Supplemental Drug Coverage - Example Initial Coverage stage


Drug Notes

As you can see in the example charts above, formulary changes will be noted for those drugs affected. Some examples of notes are:
  • Drug Utilization (Usage) Management changes Ex: Beginning on January 1, 20xx, step therapy will be required for this drug. See Section 4 for details.

  • Drug Removal from Formulary Ex: Effective January 1, 20xx, this drug will be removed from our drug list. See Section 4 for details.

  • Cost-Sharing Tier changes Ex: Effective January 1, 20xx, this drug will be moved from cost-sharing tier 2 to a higher cost-sharing tier (tier 3). See Section 4 for details.
These notes are described in more detail in Section 4 of the Explanation of Benefits document.

Also note that "Straddle Claims," purchases that cross you from one stage of your coverage to another, are not stated very clearly in the EOB monthly purchases chart. Click here for Questions and Answers about Straddle Claims



Tips & Disclaimers
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  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
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  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
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  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDPCompare.com and MACompare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
    Statement required by Medicare:
    "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.