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🎉 2025 Medicare Changes Explained

The Medicare Part D "donut hole" is officially gone! Learn about the new $2,000 annual cap and simplified coverage system.

✅ Donut Hole Eliminated • ✅ $2,000 Annual Cap • ✅ Simplified 3-Phase System

🔄 What Changed in 2025?

Thanks to the Inflation Reduction Act, Medicare Part D underwent major changes in 2025 that benefit all 65+ million Medicare beneficiaries. Here's what's different:

❌ Before 2025 (Old System)
  • Phase 1: Deductible (up to $505)
  • Phase 2: 25% coinsurance
  • Phase 3: Coverage Gap ("Donut Hole") - 25% of costs
  • Phase 4: Catastrophic Coverage - 5% of costs
  • Problem: No annual cap on spending!
✅ 2025 & Beyond (New System)
  • Phase 1: Deductible (up to $590)
  • Phase 2: 25% coinsurance
  • Phase 3: $2,000 Annual Cap - $0 after reaching cap!
  • Donut Hole: ELIMINATED! 🎉
  • Benefit: Maximum $2,000 per year!

💰 Calculate Your 2025 Medicare Drug Costs

Enter your information to see how the new system affects your prescription costs

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📊 Real Examples: How Much You'll Save

💊 Diabetes Medications
Example: Insulin + Metformin
Monthly Cost: $400
Old System: Up to $4,800/year
2025 System: Maximum $2,000/year
Savings: Up to $2,800/year!
❤️ Heart Medications
Example: Entresto + Eliquis
Monthly Cost: $600
Old System: Up to $7,200/year
2025 System: Maximum $2,000/year
Savings: Up to $5,200/year!
🧠 Specialty Medications
Example: Cancer or Autoimmune drugs
Monthly Cost: $1,000+
Old System: $12,000+/year
2025 System: Maximum $2,000/year
Savings: $10,000+/year!

🎯 Key Benefits of the 2025 Changes

💰
Predictable Costs
Never pay more than $2,000/year for covered drugs
🎉
No More Donut Hole
Simplified coverage with just 3 phases
🛡️
Financial Protection
Protection from catastrophic drug costs

Still Need Help with Prescription Costs?

Even with the 2025 Medicare changes, you might still benefit from additional savings programs and generic alternatives.

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