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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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 ($4,130 in 2021).
However, in such a sit . . .
Straddle Claims are single formulary drug purchases that cross different phases or parts of your Medicare Part D prescription drug plan (PDP) benefit (or your Medicare Advantage plan that offers presc . . .