Your Medicare Part D drug plan coverage is broken into four parts and you cross between these parts or phases of coverage based on the retail cost of your drugs or your total out-of-pocket spending.&n . . .
Yes, you are responsible for the co-payment of the purchase plus the amount of the purchase that exceeds your Medicare Part D plan's Initial Coverage Limit ($4,430 in 2022).
However, in such a sit . . .
In most cases, you must pay your Medicare Part D plan's Initial Deductible before you receive Medicare Part D coverage - just as you would with other types of insurance, such as automobile insurance.
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