2025 PDP-Planner:
Medicare Part D Out-of-Pocket Cost Calculator

Try one of our examples or your own scenario ->
Example 1 illustrates out-of-pocket costs when the beneficiary only has monthly prescription (Rx) costs.
Example 2 shows that if the same monthly costs are paid on a quarterly basis, the total retail costs do not change; however, when enters Catastrophic Coverages changes.
Example 3 shows an example of how to enter you medication costs if they are not consistent.

Examples

1. Monthly Rx Costs only
2. Quarterly Rx Costs only
3. Combination of Rx Costs
4. Your Own Rx Cost Scenario

OR Enter your average prescription drug costs:*
This is the actual retail cost of your covered prescriptions.
Do not include non-covered prescriptions or non-prescription medications (ex: aspirin or over-the-counter vitamins).

Paid Monthly:

Quarterly:

Semi-Annually:

Annually:

We will use these costs to determine your total annual retail prescription costs. You can find your retail drug costs on your regular Medicare Part D plan statements.

Percentage of Generic vs. Brand drug purchases:*

7.41% Generic / 92.59% Brand (not vaccine adjusted) 0% Generic / 100% Brand (not vaccine adjusted) 25% Generic / 75% Brand (not vaccine adjusted) 50% Generic / 50% Brand (not vaccine adjusted) 75% Generic / 25% Brand (not vaccine adjusted) 100% Generic / 0% Brand (not vaccine adjusted)

Because of the Manufacturer Discount Program, the ratio of generic vs. brand-name drugs purchased determines the percentage paid by your drug plan, drug manaufacturer and/or the government.

Enter your plan's deductible:

$

The 2025 standard deductible is $590.

Choose the your coverage start month - usually January:*

January February March April May June July August September October November December

Most plans start in January. If you are just turning 65 or a Medicaid recipient, your plan may start in a month other than January.

Enter your monthly premium:

$

You can enter your monthly premium, to have it calculated into the total.

* required