The Medicare Prescription Payment Plan (MPPP) is a new payment option starting in 2025. This payment option helps you spread out the cost of your medicine across the calendar year. There is no cost to participate in the Medicare Prescription Payment Plan. All plans offer this payment option and participation is voluntary.

To learn more about this payment plan, please visit the CMS Fact Sheet link.

It depends on your situation. If you have high out-of-pocket drug costs earlier in the calendar year, this payment option spreads out what you’ll pay each month across the calendar year (Jan – Dec), so you don’t have to pay out-of-pocket costs to the pharmacy.

This payment option might help you manage your monthly expenses, but it doesn’t save you money or lower your drug costs. Visit Medicare.gov/basics/costs/help/drug-costs to learn about programs that can help lower your drug costs.

The prescription drug law caps your out-of-pocket drug costs at $2,000 in 2025. This is true for everyone with Medicare drug coverage, even if you don’t participate in the Medicare Prescription Payment Plan.

When you fill a prescription for a drug covered by Part D, you won’t pay your pharmacy (including mail order and specialty pharmacies). Instead, you’ll get a bill each month from us. Even though you won’t pay for your drugs at the pharmacy, you’re still responsible for the costs. If you want to know what your drug will cost before you take it home, call us or ask the pharmacist.

Use this Payment Calculator to decide if Medicare Prescription Payment Plan is right for you based on your monthly drug costs.

Yes, visit your Medicare Prescription Payment Plan Member Portal. After creating an account, you can:

• Opt into the payment plan
• Use the payment calculator based on your monthly cost
• Add preferred payment method
• View and pay bills
• Opt out of the payment plan
• Learn more about the payment plan