Drug Cost Estimator

Medicare Prescription Drug Cost Estimator (Part D)

Estimate your out-of-pocket prescription drug costs under Medicare Part D. Select your drug's formulary tier and how often you fill it — we'll estimate your annual and monthly costs using CMS typical copay ranges.

Helpful for those taking regular prescription medications who want to estimate their Medicare drug costs.

What Is a Drug Tier? Medicare Part D plans group drugs into cost tiers on their formulary (drug list). Tier 1 (preferred generics) has the lowest copays; Tier 5 (specialty drugs) has the highest. Check your plan's Evidence of Coverage or ask your pharmacist to confirm which tier your drug falls under.

Enter Your Details

Drug Formulary Tier *

Tier 1 — Preferred Generic Most generic drugs. Lowest cost. Typical copay: $0–$5

Tier 2 — Generic Non-preferred generics. Low cost. Typical copay: $5–$15

Tier 3 — Preferred Brand Preferred brand-name drugs. Moderate cost. Typical copay: $30–$50

Tier 4 — Non-Preferred Drug Non-preferred brand drugs. Higher cost. Typical copay: $60–$100

Tier 5 — Specialty Specialty/high-cost drugs. Highest cost. Typical copay: $100–$150

Prescription Fills Per Year *

A 30-day supply filled monthly = 12 fills/year. A 90-day supply = 4 fills/year.

This calculator is provided for educational purposes only and does not constitute official Medicare advice. Actual costs may vary. Consult a licensed Medicare advisor for personalized guidance.

Based on official CMS guidelines Updated for 2026 Medicare rates No personal information required

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