Welcome to the new 2025 Medicare Part D prescription drug coverage rules under the Inflation Reduction Act (IRA)-industry-wide changes across all insurers. The donut hole is going away. You will be responsible for the first $2,000 in the Deductible and Initial Coverage stages. Once you reach the $2,000 out-of-pocket maximum in combined drug costs, you will enter the Catastrophic coverage stage and stop paying out-of-pocket for covered prescriptions. The promotion of this new IRA is humorous: "Depending on your drugs, members with Part D coverage may experience these updates differently. While they aim to benefit many Medicare members by lowering prescription drug expenses, the changes COULD RESULT IN HIGHER DEDUCTIBLES OR PREMIUMS IN 2025." You be the judge. A link is attached below to UnitedHealthcare's promo:

Inflation Reduction Act Medicare Part D changes | UnitedHealthcare