The last phase of Part D Drug Coverage. After a member surpasses the Coverage Gap, they enter the Catastrophic Coverage phase in which the member pays for medication at an even more reduced cost. In 2019, the member pays the higher of 5% or $8.50 for brand medications, and the higher of 5% or $3.40 for generic medications.

Note: During the Catastrophic Coverage phase, only the members pay for coverage. Insurers and manufactures do not chip in.