The Medicare Prescription Payment Plan is a new payment option for 2025 that works with your current Part D drug coverage to help you manage your out-of-pocket prescription costs by spreading them across the calendar year (January through December). Those who have high cost-share amounts for prescription drugs earlier in the plan year are more likely to benefit from the program. This voluntary program is free to join and there are no fees or interest charged under the payment plan.
This option doesn’t save you money or lower your maximum out-of-pocket drug cost ($2,000 in 2025). If you receive extra help paying for prescription drugs or have low drug costs, this payment option is not the best choice for you. Learn more about Extra Help here.
How is the monthly payment calculated?
The following resources provide examples of how the payment is calculated and tell you about other ways to save on prescription drug costs:
You can also calculate your monthly payment plan amounts here.
How can I opt in or out of the program?
Contact ExpressScripts to opt in or out of the program.
When does the payment plan go into effect?
If you are new to the plan, we will process your request within:
- 10 calendar days of receipt of your election form.
- If your enrollment in our plan will start sooner than 10 days from when we receive your election form, we will process your election before your enrollment in our plan starts so that you will be enrolled in the program on the same day that your plan starts.
If you are currently a member:
- We will process your request within 24 hours, but enrollment will be effective on the date we receive your completed request.
- If you paid any cost-share for an urgently needed prescription before we processed your election, we may make your election effective before we receive it. This can happen if you meet the following criteria:
- You believe that taking 24 hours to process your request may seriously jeopardize your life, health, or ability to regain maximum function.
- You request a retroactive election within 72 hours of the date and time you paid and received your urgently needed prescription.
You must pay your monthly payments to stay enrolled. If you do not pay within a grace period of two months, we will remove you from the Medicare Prescription Payment Plan.
For information on how to file a complaint and grievance, please click here.