Medicare Part D Prescription Drug Coverage
Original Medicare doesn’t cover most prescription drugs. Your Medicare Part D plan helps make your medications more affordable and accessible.
We’ve partnered with trusted providers to offer government-approved Part D plans that supplement your Original Medicare coverage:
- Missouri residents: Your Part D coverage comes through Anthem with BlueMedicareRx Plus or BlueMedicareRx Value
- Kansas residents: Your coverage comes through Blue Cross and Blue Shield of Kansas
You’ll pay this amount monthly to your insurance provider. Premiums vary by plan and can change yearly.
Most plans have an annual deductible, the amount you pay before your coverage kicks in. This varies from plan to plan.
When filling prescriptions, you’ll typically pay either:
- A copay: A fixed dollar amount for each prescription
- Coinsurance: A percentage of the medication’s cost
As of January 1, 2025, the Medicare Part D coverage gap, also known as the “donut hole,” has been eliminated. Instead, once your out-of-pocket prescription drug costs reach $2,000, you will enter the catastrophic coverage phase—where you pay nothing for covered medications for the rest of the year.
This change simplifies Medicare Part D by reducing overall drug costs and removing the previous cost-sharing structure. With the donut hole eliminated, Medicare Part D will now follow a three-phase design: deductible phase, initial coverage phase, and catastrophic coverage phase.
What medications are covered?
Each Medicare Part D plan uses a list of approved medications the plan covers, known as a drug formulary. Formularies organize drugs into tiers, with lower tiers generally costing you less:
Ready to dive into your specific plan details?
Select your plan below to view your benefits and coverage information.
Blue KC customers can refer to their coverage details within their Blue KC certificate, which outlines the benefits, exclusions, responsibilities, rights and other important information related to Blue KC plans. To view your current Blue KC contract/certificate, or to print a copy of your Summary of Benefits and Coverage, log in to MyBlueKC.com and click on Plan Benefits. For costs and further details of the coverage, please contact Blue KC.